Mechanics Bancorp (MCHB)

Mechanics Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	585.72	120.09	166.75	233.31	227.06
Net Interest Income Growth	387.75%	-27.98%	-28.53%	2.75%	8.82%
Non-Interest Income	222.91	-44.39	41.92	51.57	119.98
Non-Interest Income Growth	-	-	-18.71%	-57.02%	-19.68%
Revenues Before Loan Losses	808.62	75.7	208.67	284.88	347.03
Provision for Credit Losses	19.52	-	-0.44	-5.2	-15
Revenue	789.11	75.7	209.12	290.08	362.03
Revenue Growth (YoY)	942.39%	-63.80%	-27.91%	-19.88%	7.25%
Compensation Expenses	219.32	107.42	111.06	115.53	132.02
Selling, General & Admin	144.36	88.79	90.95	89.89	83.33
Other Non-Interest Expenses	105.88	-	39.86	-	-
Total Non-Interest Expense	469.56	196.21	241.87	205.42	215.34
Pretax Income	319.55	-120.51	-32.76	84.66	146.69
Provision for Income Taxes	53.81	23.83	-5.25	18.12	31.27
Net Income	265.74	-144.34	-27.51	66.54	115.42
Net Income to Common	265.74	-144.34	-27.51	66.54	115.42
Net Income Growth	-	-	-	-42.35%	44.30%
Shares Outstanding (Basic)	209	202	64	64	21
Shares Outstanding (Diluted)	209	202	64	64	21
Shares Change (YoY)	3.31%	214.34%	0.02%	203.96%	-8.38%
EPS (Basic)	1.22	0.14	3143.95	3372.60	5.53
EPS (Diluted)	1.22	0.14	3141.26	3369.98	5.46
EPS Growth	771.43%	-100.00%	-6.79%	61621.24%	57.35%
Free Cash Flow	187.08	285.89	4.21	211.54	170.09
Free Cash Flow Growth	-34.56%	6685.95%	-98.01%	24.37%	-
Free Cash Flow Per Share	0.90	1.41	0.07	3.29	8.04
Dividends Per Share	0.210	0.448	0.499	1.109	0.245
Dividend Growth	-53.13%	-10.26%	-54.97%	351.79%	-
Profit Margin	34.53%	-186.95%	-13.15%	22.94%	31.88%
FCF Margin	24.31%	370.28%	2.01%	72.93%	46.98%
EBITDA	31.52	29.61	16.66	22.07	25.73
EBITDA Margin	4.10%	38.35%	7.97%	7.61%	7.11%
Effective Tax Rate	17.93%	-19.78%	16.02%	21.40%	21.32%

Updated Jan 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.