Filing Flows › Mechanics Bancorp (MCHB) › Q2 2025
Mechanics Bancorp (MCHB) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 6, 2025
Mechanics Bancorp (MCHB) reported revenue of $49.0M for the second quarter 2025 (Q2 2025), +14% from a year earlier and +8% from the quarter before. Operating margin was -9.8%, net loss $4.4M (9.0% of revenue).
Mechanics Bancorp, Q2 2025: revenue $49.0M (+14% year over year), operating margin -9.8%, net loss $4.4M, operating cash flow −$9.8M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $49.0M | +8% | +14% |
| Operating profit | −$4.8M | — | — |
| Net earnings | −$4.4M | — | — |
| Operating cash flow | −$9.8M | — | — |
What changed
Revenue was $49.0M in Q2 2025, up 14% year over year and up 8% from the previous quarter.
Operating costs exceeded revenue by $4.8M, an operating margin of -9.8%. Total costs grew 6% against revenue growth of 14%. The quarter ended with a net loss of $4.4M, narrower than the previous quarter's $4.5M loss.
Operating cash flow was −$9.8M. Non-cash charges added back $1.5M of depreciation and amortization and $608K of share-based compensation. Working capital and other items used $7.5M. Capital expenditures of $96K exceeded it, leaving free cash flow of −$9.9M.
Questions
What was Mechanics Bancorp's revenue in the second quarter 2025?
Mechanics Bancorp (MCHB) reported revenue of $49.0M for the second quarter 2025 (Q2 2025), +14% from a year earlier and +8% from the quarter before.
Was Mechanics Bancorp profitable in the second quarter 2025?
Operating loss was $4.8M (-9.8% of revenue) and net loss $4.4M.
Source: Mechanics Bancorp 10-Q on SEC EDGAR.