M&T Bank Corporation MTB NYSE

M&T Bank Corporation (MTB) generated $3B in operating cash flow for fiscal year 2025. After capital expenditures of $143M, free cash flow was $2.86B.

Free cash flow margin was 23.2% of revenue. Cash conversion ratio was 1.05x, indicating earnings are backed by cash.

The company returned $899M in dividends and $2.63B in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (33/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (69/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (85/100) — Cash conversion ratio was 1.05x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 68/100 with 4/7 criteria passed.