M&T Bank Corporation (MTB)

M&T Bank Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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	-159	-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%
Net Change in Loans Held-for-Investment	-3,879	-3,688	-2,631	-2,962	-3,639	5,677
Net Change in Securities and Investments	-2,891	-1,954	-6,335	-1,380	-7,015	-243
Payments for Business Acquisitions	-	-	-	-	394	-
Capital Expenditures	-214	-143	-216	-256	-214	-149
Other Investing Activities	988	-1,031	-564	-166	27,066	-18,916
Investing Cash Flow	-9,008	-6,816	-9,746	-4,764	16,592	-13,631
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	-2,642	-5,380	-1,009	-824	-907	-853
Net Long-Term Debt Issued (Repaid)	656	-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	-4,634	-2,013	-9,018	3,321	182	-215
Free Cash Flow	3,166	2,860	3,394	3,649	4,360	2,566
Free Cash Flow Growth	10.70%	-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
Levered Free Cash Flow	3,689	967	7,417	7,749	3,339	1,877
Unlevered Free Cash Flow	102	-37	341	797	1,255	861

Updated May 5, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q