M&T Bank Corporation (MTB)
NYSE: MTB · Real-Time Price · USD
253.06
+3.58 (1.43%)
At close: Aug 4, 2026, 4:00 PM EDT
254.29
+1.23 (0.49%)
After-hours: Aug 4, 2026, 6:00 PM EDT
M&T Bank Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 2,931 | 2,851 | 2,588 | 2,741 | 1,992 | 1,859 |
Depreciation & Amortization | 465 | 498 | 508 | 497 | 435 | 324 |
Provision for Credit Losses | 515 | 505 | 610 | 645 | 517 | -75 |
Net Change in Loans Held-for-Sale | -311 | -372 | -128 | -192 | 771 | -164 |
Other Adjustments | -71 | -87 | -17 | -342 | -175 | 85 |
Changes in Trading Assets | -315.84 | -358 | -57 | -266 | 1,227 | 567 |
Changes in Accrued Interest and Accounts Receivable | -47 | -48 | -176 | 261 | -123 | 66 |
Changes in Accrued Expenses | 57 | 14 | 282 | 561 | -70 | 53 |
Operating Cash Flow | 3,380 | 3,003 | 3,610 | 3,905 | 4,574 | 2,715 |
Operating Cash Flow Growth | -7.07% | -16.81% | -7.55% | -14.63% | 68.47% | 244.02% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Loans Held-for-Investment | - | -3,688 | -2,631 | -2,962 | -3,639 | 5,677 |
Net Change in Securities and Investments | -5,431 | -1,954 | -6,335 | -1,380 | -7,015 | -243 |
Cash Acquisitions | - | - | - | - | 394 | - |
Capital Expenditures | -214 | -143 | -216 | -256 | -214 | -149 |
Other Investing Activities | 1,200 | -1,031 | -564 | -166 | 27,066 | -18,916 |
Investing Cash Flow | -9,008 | -6,816 | -9,746 | -4,764 | 16,592 | -13,631 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Deposits | -1,668 | 5,814 | -2,182 | -248 | -20,994 | 11,738 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | 6,278 | 1,089 | -4,256 | 1,761 | 2,613 | -13 |
Long-Term Debt Issued | 3,298 | 3,533 | 5,497 | 5,035 | 999 | 10 |
Long-Term Debt Repaid | -5,589 | -5,380 | -1,009 | -824 | -907 | -853 |
Net Long-Term Debt Issued (Repaid) | -2,291 | -1,847 | 4,488 | 4,211 | 92 | -843 |
Repurchase of Common Stock | -3,213 | -2,631 | -396 | -594 | -1,800 | - |
Net Common Stock Issued (Repurchased) | -3,213 | -2,631 | -396 | -594 | -1,800 | - |
Issuance of Preferred Stock | - | 440 | 733 | - | - | 495 |
Repurchase of Preferred Stock | -400 | - | -350 | - | - | - |
Net Preferred Stock Issued (Repurchased) | -400 | 440 | 383 | - | - | 495 |
Common Dividends Paid | -901 | -899 | -895 | -868 | -784 | -580 |
Preferred Share Dividends Paid | -153 | -146 | -138 | -100 | -97 | -68 |
Other Financing Activities | -45 | -20 | 114 | 18 | -14 | -28 |
Financing Cash Flow | 994 | 1,800 | -2,882 | 4,180 | -20,984 | 10,701 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -4,634 | -2,013 | -9,018 | 3,321 | 182 | -215 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 3,166 | 2,860 | 3,394 | 3,649 | 4,360 | 2,566 |
Free Cash Flow Growth | -7.72% | -15.73% | -6.99% | -16.31% | 69.91% | 315.95% |
FCF Margin | 34.01% | 31.14% | 39.15% | 40.55% | 56.90% | 42.29% |
Free Cash Flow Per Share | 19.94 | 18.01 | 20.28 | 21.85 | 26.58 | 19.92 |