Filing Flows › Mechanics Bancorp (MCHB) › Q4 2025
Mechanics Bancorp (MCHB) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 17, 2026
Mechanics Bancorp (MCHB) reported revenue of $260M for the fourth quarter 2025 (Q4 2025), +77% from a year earlier and +2% from the quarter before. Operating margin was 59.2%, net earnings $124M (47.8% of revenue).
Mechanics Bancorp, Q4 2025: revenue $260M (+77% year over year), operating margin 59.2%, net earnings $124M, operating cash flow $114M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $260M | +2% | +77% |
| Operating profit | $154M | +241% | +129% |
| Net earnings | $124M | +125% | +141% |
| Operating cash flow | $114M | +2% | +52% |
| Free cash flow | $110M | +1% | +52% |
What changed
Revenue was $260.0M in Q4 2025, up 77% year over year and up 2% from the previous quarter.
Operating profit was $154.0M, a 59.2% margin (up 13.5 points year over year). Of the extra revenue versus a year earlier, 77% reached operating profit, above the 46% margin then. Total costs grew 33% against revenue growth of 77%. Net earnings were $124.3M, up 141% year over year. The effective tax rate was 19.3%.
Operating cash flow was $113.9M (up 52% year over year), 92% of net earnings. Non-cash charges added back $18.0M of depreciation and amortization and $4.8M of share-based compensation. Working capital and other items used $33.1M. Capital expenditures of $3.5M left free cash flow of $110.4M.
Questions
What was Mechanics Bancorp's revenue in the fourth quarter 2025?
Mechanics Bancorp (MCHB) reported revenue of $260M for the fourth quarter 2025 (Q4 2025), +77% from a year earlier and +2% from the quarter before.
Was Mechanics Bancorp profitable in the fourth quarter 2025?
Operating profit was $154M (59.2% of revenue) and net earnings $124M.
Source: Mechanics Bancorp 10-K on SEC EDGAR.