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Mechanics Bancorp vs Coastal Financial: MCHB and CCB compared
Mechanics Bancorp is the larger company: $161M of revenue in its latest quarter (Q3 2026) against $149M for Coastal Financial (Q3 2026). Coastal Financial is growing faster (+3% against -36% a year earlier). Mechanics Bancorp is more profitable, with an operating margin of 38.7% against 12.4%.
Where the money goes: MCHB and CCB
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.
Coastal Financial (CCB) · Q3 2026
Coastal Financial, Q3 2026: revenue $149M (+3% year over year), operating margin 12.4%, net earnings $13.8M, operating cash flow $41.9M. The chart follows the revenue to costs, profit and cash.
| Mechanics Bancorp (MCHB) | Coastal Financial (CCB) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $161M | $149M |
| Revenue growth, Y/Y | -36% | +3% |
| Operating margin | 38.7% | 12.4% |
| Net earnings | $46.0M | $13.8M |
| Net margin | 28.5% | 9.2% |
| Operating cash flow | $29.2M | $41.9M |
| Free cash flow | $26.4M | $39.6M |
| Market value | — | $718M |
| Analysts’ mean target | — | $53.25 |
Where the revenue comes from
Coastal Financial
- Net interest income: $88.3M (59%)
- Noninterest income: $61.0M (41%)
Questions
Which is bigger, Mechanics Bancorp or Coastal Financial?
Mechanics Bancorp is the larger company: $161M of revenue in its latest quarter (Q3 2026) against $149M for Coastal Financial (Q3 2026).
Is Mechanics Bancorp or Coastal Financial growing faster?
Coastal Financial is growing faster (+3% against -36% a year earlier).
Which is more profitable, Mechanics Bancorp or Coastal Financial?
Mechanics Bancorp is more profitable, with an operating margin of 38.7% against 12.4%.
More: Mechanics Bancorp earnings · how Mechanics Bancorp makes money · Coastal Financial earnings · how Coastal Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.