M&T Bank Corporation — Earnings Quality Grade A
MTB · Financial Services
Strong financial health
Screening Summary
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 4.3%, CFFO -16.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -33.8% vs revenue 4.3%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.05. Profits backed by cash
FCF $2.9B, FCF/NI = 1.00
Accruals ratio = -0.1%. Low accruals
Cash $18.8B covers debt $13.0B
Balance Sheet Health
Goodwill+Intangibles $8.5B = 29% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
M&T Bank Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09