Mechanics Bancorp annual free cash flow
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Mechanics Bancorp Free Cash Flow (FCF) History (MCHB)
Mechanics Bancorp reported $187.1M in free cash flow for fiscal 2025, a decrease of 34.56% from the previous fiscal year, with a free cash flow margin of 23.14%.
View full Mechanics Bancorp company overviewMechanics Bancorp free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $187.1M | −$98.8M | −34.56% | +23.14% |
| 2024 | 2024-12-31 | $285.9M | $281.7M | +6685.95% | +75.23% |
| 2023 | 2023-12-31 | $4.2M | −$207.3M | −98.01% | +2.02% |
| 2022 | 2022-12-31 | $211.5M | $41.4M | +24.37% | +74.26% |
| 2021 | 2021-12-31 | $170.1M | $198.9M | — | +49.01% |
| 2020 | 2020-12-31 | −$28.8M | −$285.4M | — | −8.06% |
| 2019 | 2019-12-31 | $256.6M | −$19.7M | −7.14% | +97.25% |
| 2018 | 2018-12-31 | $276.3M | $159.2M | +136.06% | +121.98% |
| 2017 | 2017-12-31 | $117.0M | $186.3M | — | +53.90% |
| 2016 | 2016-12-31 | −$69.3M | −$57.0M | — | −12.85% |
| 2015 | 2015-12-31 | −$12.2M | $356.3M | — | −2.85% |
| 2014 | 2014-12-31 | −$368.5M | −$649.7M | — | −129.62% |
| 2013 | 2013-12-31 | $281.2M | $684.5M | — | +106.04% |
| 2012 | 2012-12-31 | −$403.3M | −$491.2M | — | −134.98% |
| 2011 | 2011-12-31 | $88.0M | $131.3M | — | +60.37% |
| 2010 | 2010-12-31 | −$43.3M | — | — | −33.37% |
Mechanics Bancorp quarterly free cash flow
Q1.11
Q2.11
Q3.11
Q4.11
Q1.12
Q2.12
Q3.12
Q4.12
Q1.13
Q2.13
Q3.13
Q4.13
Q1.14
Q2.14
Q3.14
Q4.14
Q1.15
Q2.15
Q3.15
Q4.15
Q1.16
Q2.16
Q3.16
Q4.16
Q1.17
Q2.17
Q3.17
Q4.17
Q1.18
Q2.18
Q3.18
Q4.18
Q1.19
Q2.19
Q3.19
Q4.19
Q1.20
Q2.20
Q3.20
Q4.20
Q1.21
Q2.21
Q3.21
Q4.21
Q1.22
Q2.22
Q3.22
Q4.22
Q1.23
Q2.23
Q3.23
Q4.23
Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $49.6M | −$14.0M | −22.04% | +24.70% |
| Q1 2026 | 2026-03-31 | $8.8M | $10.7M | — | +4.38% |
| Q4 2025 | 2025-12-31 | $110.4M | $38.0M | +52.45% | +42.48% |
| Q3 2025 | 2025-09-30 | $14.9M | −$229.6M | −93.91% | +5.83% |
| Q2 2025 | 2025-06-30 | $63.7M | $85.7M | — | +42.52% |
| Q1 2025 | 2025-03-31 | −$1.9M | $12.0M | — | −1.35% |
| Q4 2024 | 2024-12-31 | $72.4M | $64.1M | +765.28% | +49.07% |
| Q3 2024 | 2024-09-30 | $244.5M | $215.7M | +747.71% | +165.35% |
| Q2 2024 | 2024-06-30 | −$22.0M | −$41.5M | — | −51.34% |
| Q1 2024 | 2024-03-31 | −$13.9M | $38.5M | — | −33.42% |
| Q4 2023 | 2023-12-31 | $8.4M | $1.3M | +19.16% | +18.22% |
| Q3 2023 | 2023-09-30 | $28.8M | −$32.6M | −53.02% | +58.42% |
| Q2 2023 | 2023-06-30 | $19.4M | −$1.2M | −5.95% | +36.15% |
| Q1 2023 | 2023-03-31 | −$52.4M | −$174.9M | — | −88.05% |
| Q4 2022 | 2022-12-31 | $7.0M | $18.6M | — | +10.75% |
| Q3 2022 | 2022-09-30 | $61.4M | −$65.9M | −51.76% | +80.43% |
| Q2 2022 | 2022-06-30 | $20.7M | −$36.4M | −63.77% | +28.29% |
| Q1 2022 | 2022-03-31 | $122.4M | $125.2M | — | +174.66% |
| Q4 2021 | 2021-12-31 | −$11.5M | −$26.0M | — | −13.45% |
| Q3 2021 | 2021-09-30 | $127.3M | $24.1M | +23.38% | +155.63% |
| Q2 2021 | 2021-06-30 | $57.1M | $188.5M | — | +66.20% |
| Q1 2021 | 2021-03-31 | −$2.7M | $12.3M | — | −2.91% |
| Q4 2020 | 2020-12-31 | $14.5M | −$61.0M | −80.85% | +14.46% |
| Q3 2020 | 2020-09-30 | $103.2M | −$187.3M | −64.49% | +112.32% |
| Q2 2020 | 2020-06-30 | −$131.4M | −$34.9M | — | −149.17% |
| Q1 2020 | 2020-03-31 | −$15.0M | −$2.2M | — | −19.27% |
| Q4 2019 | 2019-12-31 | $75.5M | $20.9M | +38.41% | +111.94% |
| Q3 2019 | 2019-09-30 | $290.5M | $98.6M | +51.36% | +405.04% |
| Q2 2019 | 2019-06-30 | −$96.5M | −$22.7M | — | −139.88% |
| Q1 2019 | 2019-03-31 | −$12.9M | −$116.5M | — | −23.10% |
| Q4 2018 | 2018-12-31 | $54.5M | −$129.6M | −70.38% | +91.99% |
| Q3 2018 | 2018-09-30 | $191.9M | $220.8M | — | +327.98% |
| Q2 2018 | 2018-06-30 | −$73.8M | $90.0M | — | −131.50% |
| Q1 2018 | 2018-03-31 | $103.7M | −$21.9M | −17.46% | +197.31% |
| Q4 2017 | 2017-12-31 | $184.2M | $54.2M | +41.74% | +148.67% |
| Q3 2017 | 2017-09-30 | −$28.9M | $49.2M | — | −21.48% |
| Q2 2017 | 2017-06-30 | −$163.8M | −$95.6M | — | −128.09% |
| Q1 2017 | 2017-03-31 | $125.6M | $178.4M | — | +104.57% |
| Q4 2016 | 2016-12-31 | $129.9M | −$108.1M | −45.42% | +107.12% |
| Q3 2016 | 2016-09-30 | −$78.2M | −$196.9M | — | −49.31% |
| Q2 2016 | 2016-06-30 | −$68.2M | $80.7M | — | −46.43% |
| Q1 2016 | 2016-03-31 | −$52.8M | $167.4M | — | −46.97% |
| Q4 2015 | 2015-12-31 | $238.1M | $240.1M | — | +226.42% |
| Q3 2015 | 2015-09-30 | $118.8M | $237.7M | — | +110.88% |
| Q2 2015 | 2015-06-30 | −$148.9M | $38.8M | — | −133.90% |
| Q1 2015 | 2015-03-31 | −$220.2M | −$160.3M | — | −207.49% |
| Q4 2014 | 2014-12-31 | −$2.0M | −$34.5M | — | −2.54% |
| Q3 2014 | 2014-09-30 | −$118.9M | −$257.7M | — | −167.24% |
| Q2 2014 | 2014-06-30 | −$187.7M | −$132.5M | — | −244.39% |
| Q1 2014 | 2014-03-31 | −$59.9M | −$225.0M | — | −104.33% |
| Q4 2013 | 2013-12-31 | $32.5M | $91.3M | — | +56.56% |
| Q3 2013 | 2013-09-30 | $138.7M | $231.5M | — | +236.80% |
| Q2 2013 | 2013-06-30 | −$55.2M | $52.7M | — | −73.57% |
| Q1 2013 | 2013-03-31 | $165.1M | $308.9M | — | +222.61% |
| Q4 2012 | 2012-12-31 | −$58.8M | −$151.2M | — | −66.40% |
| Q3 2012 | 2012-09-30 | −$92.8M | −$26.6M | — | −108.42% |
| Q2 2012 | 2012-06-30 | −$107.9M | −$63.9M | — | −150.55% |
| Q1 2012 | 2012-03-31 | −$143.8M | −$249.6M | — | −271.42% |
| Q4 2011 | 2011-12-31 | $92.4M | — | — | +229.08% |
| Q3 2011 | 2011-09-30 | −$66.2M | — | — | −135.30% |
| Q2 2011 | 2011-06-30 | −$44.0M | — | — | −144.09% |
| Q1 2011 | 2011-03-31 | $105.8M | — | — | +408.53% |
Mechanics Bancorp free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from −$28.8M to $187.1M, a net increase of $215.9M. Mechanics Bancorp's latest reported quarter, Q2 2026, generated $49.6M in free cash flow, a decrease of 22.04% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Mechanics Bancorp source filings ↗Community posts
Mechanics Bank sells most remaining indirect auto loans to Bank of America
Mechanics Bank ($MCHB) completed the sale of approximately $417 million of performing indirect auto loans to Bank of America ($BAC). The transaction removes the substantial majority of Mechanics’ runoff auto portfolio, leaving roughly $13 m ...
