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First Financial Bankshares vs Mechanics Bancorp: FFIN and MCHB compared
First Financial Bankshares is the larger company: $174M of revenue in its latest quarter (Q3 2026) against $161M for Mechanics Bancorp (Q3 2026). First Financial Bankshares is growing faster (+8% against -36% a year earlier). First Financial Bankshares is more profitable, with an operating margin of 52.3% against 38.7%.
Where the money goes: FFIN and MCHB
First Financial Bankshares (FFIN) · Q3 2026
First Financial Bankshares, Q3 2026: revenue $174M (+8% year over year), operating margin 52.3%, net earnings $74.3M, operating cash flow $92.9M. The chart follows the revenue to costs, profit and cash.
Mechanics Bancorp (MCHB) · Q3 2026
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 follows the revenue to costs, profit and cash.
| First Financial Bankshares (FFIN) | Mechanics Bancorp (MCHB) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $174M | $161M |
| Revenue growth, Y/Y | +8% | -36% |
| Operating margin | 52.3% | 38.7% |
| Net earnings | $74.3M | $46.0M |
| Net margin | 42.7% | 28.5% |
| Operating cash flow | $92.9M | $29.2M |
| Free cash flow | $86.3M | $26.4M |
| Market value | $4.4B | — |
| P/E | 15.2× | — |
| Analysts’ mean target | $34.71 | — |
Where the revenue comes from
First Financial Bankshares
- Net interest income: $139M (80%)
- Noninterest income: $35.6M (20%)
Questions
Which is bigger, First Financial Bankshares or Mechanics Bancorp?
First Financial Bankshares is the larger company: $174M of revenue in its latest quarter (Q3 2026) against $161M for Mechanics Bancorp (Q3 2026).
Is First Financial Bankshares or Mechanics Bancorp growing faster?
First Financial Bankshares is growing faster (+8% against -36% a year earlier).
Which is more profitable, First Financial Bankshares or Mechanics Bancorp?
First Financial Bankshares is more profitable, with an operating margin of 52.3% against 38.7%.
More: First Financial Bankshares earnings · how First Financial Bankshares makes money · Mechanics Bancorp earnings · how Mechanics Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.