Filing Flows › Mechanics Bancorp (MCHB) › Q3 2026 › vs Q3 2025
Mechanics Bancorp (MCHB) Q3 2026 vs Q3 2025 (year over year)
Mechanics Bancorp's revenue fell $92.5M (-36%) from $254M in Q3 2025 to $161M in Q3 2026. Operating margin 38.7% against 25.1% (+13.5 pts).
Mechanics Bancorp, Q3 2026: revenue $161M (-36% year over year), operating margin 38.7%, net earnings $46.0M, operating cash flow $29.2M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 38.7% | 25.1% | +13.5 pts |
| Net margin | 28.5% | 26.9% | +1.6 pts |
| Free cash flow margin | 16.4% | 5.9% | +10.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $161M | $254M | −$92.5M | -36% |
| Operating profit | $62.5M | $63.8M | −$1.4M | -2% |
| Costs & expenses | $99.0M | $190M | −$91.1M | -48% |
| Pre-tax earnings | $62.5M | $63.8M | −$1.4M | -2% |
| Net earnings | $46.0M | $68.3M | −$22.3M | -33% |
| Income tax | $16.5M | −$4.4M | $20.9M | — |
| Depreciation & amortization | $10.3M | $6.8M | $3.5M | +52% |
| Share-based compensation | $1.5M | $810K | $707K | +87% |
| Working capital & other | $28.6M | $59.9M | −$31.3M | -52% |
| Operating cash flow | $29.2M | $16.0M | $13.3M | +83% |
| Free cash flow (OCF − capex) | $26.4M | $14.9M | $11.5M | +77% |
| Capital expenditures | $2.8M | $1.1M | $1.7M | +161% |
Questions
How much did Mechanics Bancorp's revenue grow year over year in Q3 2026?
Mechanics Bancorp's revenue fell $92.5M (-36%) from $254M in Q3 2025 to $161M in Q3 2026. Operating margin 38.7% against 25.1% (+13.5 pts).