Mechanics Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	265.74	29	-27.51	66.54	115.42
Depreciation & Amortization	31.52	29.61	16.66	22.07	25.73
Provision for Credit Losses	19.52	-1.51	-0.44	-5.2	-15
Stock-Based Compensation	5.59	4.59	3.61	4.11	3.4
Net Change in Loans Held-for-Sale	34.15	-0.1	0.2	166.64	85.67
Other Adjustments	-146.5	229.44	22.19	-60.17	-41.41
Changes in Accrued Interest and Accounts Receivable	77.34	-9.15	-	-	-
Changes in Accounts Payable	-93.76	10.39	37.7	6.55	5.03
Changes in Other Operating Activities	-	-	-44.39	17.8	-5.8
Operating Cash Flow	193.59	292.26	8.02	218.33	173.04
Operating Cash Flow Growth	-33.76%	3542.37%	-96.33%	26.18%	-
Net Change in Loans Held-for-Investment	1,068	1,058	18.96	-1,936	-179.24
Net Change in Securities and Investments	244.06	-597.45	144.02	-534.74	46.04
Payments for Business Acquisitions	156.89	-	327.9	-	-
Proceeds from Business Divestments	-	-	-	-138.76	-
Capital Expenditures	-6.51	-6.37	-3.81	-6.79	-2.94
Sale of Property, Plant & Equipment	0.89	2.62	-	-	-
Other Investing Activities	82.49	19.79	-3.02	-37.99	10.5
Investing Cash Flow	1,546	476.21	484.05	-2,654	-125.64
Net Change in Deposits	-660.36	-356.34	-1,065	1,473	347.87
Short-Term Debt Issued	-	-	84	-25	-281.8
Short-Term Debt Repaid	-	-750	-	-	-
Net Short-Term Debt Issued (Repaid)	-	-750	84	-25	-281.8
Long-Term Debt Issued	-	-	1,180	1,098	50
Long-Term Debt Repaid	-1,000	-25	-535.46	-0.59	-51.07
Net Long-Term Debt Issued (Repaid)	-1,000	-25	644.54	1,097	-1.07
Issuance of Common Stock	-	-	-	-	0.26
Repurchase of Common Stock	-	-	-	-75	-84.15
Net Common Stock Issued (Repurchased)	-	-	-	-75	-83.89
Common Dividends Paid	-48.56	-94.99	-12.32	-26.85	-21.34
Financing Cash Flow	-1,709	-1,226	-349.24	2,443	-40.23
Net Cash Flow	30.27	-457.86	142.84	7.61	7.17
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%	-
FCF Margin	24.31%	370.28%	2.01%	72.93%	46.98%
Free Cash Flow Per Share	0.90	1.41	0.07	3.29	8.04
Levered Free Cash Flow	-725.67	-894.87	707.19	1,179	-145.43
Unlevered Free Cash Flow	8.59	24.47	6.16	39.63	22.02

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