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Mechanics Bancorp

MCHB Financial Banks Regional

Mechanics Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 73.4% from fiscal 2024.

Revenue
+32.3%
EPS
+18.9%
Free cash flow
−31.4%
Total debt
−89.8%

Quarter to June 2026, against a year earlier

14.63 0.40 −2.66%
Market cap
$3.4B
P/E
11.9×
Fwd P/E
16.4×
Dividend yield
—
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.00
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — 1 — — — — —
Insider Ownership 87.34%

Capital & Financial Ratios $m

Size
Market Cap 3,390.00
Revenue ttm 1,173.02
Net income ttm 281.25
Free cash flow ttm 187.80
Net debt Q (404.16)
Valuation
P/E 11.89
Forward P/E 16.40
Price / sales 2.77
Forward P/S Powerpack
Price / FCF 19.42
Price / book 1.16
Financial health
Current ratio Q 0.78
Debt / equity Q 0.05
Interest coverage Q —
Growth
Revenue growth Q +32.34% (above 0%: growing)
Operating income growth Q +31.70% (above 0%: growing)
EPS, this year +22.42% (at or above 15%: strong)
EPS, next year A +8.17%
Revenue, next year A −24.14% (below 0%: weak)
EPS, past 5 yrs −18.87% (below 0%: weak)
EPS, next 5 yrs A +12.99%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 50.16%
10-year low 10-year high
P/S against its own 10 years 73.56%
10-year low 10-year high
P/B against its own 10 years 72.79%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2020–25
−100.0%/yr
  1. 0.75 ’20
  2. 811.00 ’21 +108033
  3. 313.40 ’22 −61
  4. 0.65 ’23 −100
  5. 0.00 ’24 −100
  6. 0.00 ’25
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 216 1,000 1,080 533
Receivables — — — —
Inventory — — — —
Other — — — —
7,618 10,815 15,461 14,233
2023 2024 2025 Q'26
Payables 6,884 13,942 19,025 18,243
ST’ Debt — — — —
Other — — — —
6,884 13,942 19,025 18,243

Compound Annual Growth %

10y 5y 3y
Sales 8.77% 20.85% 42.73%
Cash Flow 37.00% 0.00% (3.93%)
Earnings 20.46% 27.14% 58.66%
Book Value 19.92% 31.87% 72.04%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.27 Actual 0.35

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY26 0.26 0.21 Miss by 0.05
Q2 FY26 0.25 0.27 Beat by 0.02
Q3 FY26 0.27 0.35 Beat by 0.08
Q4 FY26 0.29 — Reports 29 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.19 0.25 — — —
’25 0.22 0.21 0.25 0.54 1.22
’24 (0.40) (0.33) (0.39) (6.54) (7.65)
’23 0.27 (1.67) 0.12 (0.18) (1.46)
’22 1.01 0.94 1.08 0.45 3.49
’21 1.35 1.37 1.31 1.43 5.46
’20 0.30 0.81 1.15 1.25 3.47
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 263 262 — — —
’25 189 198 315 334 1,035
’24 112 114 209 161 597
’23 107 111 111 112 442
’22 75 81 97 104 356
’21 99 90 86 90 364
’20 96 98 100 107 401
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 11 53 — — —
’25 (1) 65 16 114 194
’24 (8) (22) 247 75 292
’23 (52) 21 29 10 8
’22 124 21 64 9 218
’21 (2) 57 127 (9) 173
’20 (14) (131) 105 15 (26)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 9 53 — — —
’25 (2) 77 16 110 201
’24 (14) (22) 252 75 291
’23 (52) 19 29 8 4
’22 122 21 61 7 212
’21 (3) 57 127 (12) 170
’20 (15) (131) 105 (6) (48)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 569 255 288 352 401 364 356 442 597 1,035 1,173 +6.9% 785 826 855 (6.1%)
Gross margin, % 94.81 85.18 78.65 74.94 89.20 95.27 80.05 47.25 63.70 78.15 78.13 (16.7) pt
EBT 91 26 28 49 102 147 85 (33) 36 320 340 +15.0%
EBT margin, % 15.96 10.11 9.81 13.84 25.39 40.27 23.79 (7.42) 5.98 30.88 29.00 +14.9 pt
Net income 58 69 40 18 80 115 67 (28) (144) 266 281 +18.4%
Per share, $
Per share, $ Revenue 23.10 9.49 10.68 13.77 17.55 17.44 18.80 23.51 31.64 4.96 5.28 (15.7%)
Earnings 2.36 2.57 1.48 0.66 3.50 5.53 3.51 (1.46) (7.65) 1.22 1.23 (7.1%)
Cash flow (1.82) 5.93 10.60 10.12 (1.12) 8.28 11.53 0.43 15.50 0.93 0.87 n/m
Capex (0.98) (1.60) (0.33) (0.09) (0.96) (0.14) (0.36) (0.20) (0.08) 0.04 (0.03) n/m
Free cash flow (2.80) 4.33 10.27 10.03 (2.08) 8.14 11.17 0.22 15.42 0.96 0.85 n/m
Book value 25.56 26.22 27.42 26.58 31.39 34.25 29.69 28.66 122.07 13.72 12.56 (6.7%)
Shares, m 25 27 27 26 23 21 19 19 19 209 215 +26.8%
Valuation, ×
Valuation, × P/E 13.41 11.27 14.34 47.22 9.56 9.42 7.94 0.00 0.00 12.02 11.89 12.5
P/S 1.37 3.04 1.99 2.47 1.92 2.98 1.48 0.43 0.36 2.95 2.77 1.9
P/B 1.24 1.10 0.77 1.28 1.08 1.52 0.94 0.36 0.09 1.07 1.16 0.9
EV/Sales 3.02 7.09 5.46 4.00 2.90 3.26 4.76 4.41 4.24 2.09 — 4.1
EV/FCF (24.96) 15.52 5.69 5.50 (24.36) 7.93 8.86 (120.70) 9.36 11.96 — (10.5)
Cash, $m
Cash, $m Operating cash flow (45) 159 286 259 (26) 173 218 8 292 194 194 n/m
Capex (24) (43) (9) (2) (22) (3) (7) (4) (1) 8 (6) n/m
Free cash flow (69) 116 277 257 (48) 170 212 4 291 201 188 n/m
Balance, $m
Balance, $m Working capital (33) 257 133 (194) (471) (585) (87) 733 (3,127) (3,564) (4,010) +68.0%
Net debt 940 1,032 1,000 539 391 102 1,168 1,754 225 (887) (404) n/m
Shareholders’ equity 629 704 740 680 718 715 562 538 2,302 2,862 2,791 +18.3%
Returns, %
Returns, % ROA 1.04 1.06 0.58 0.25 1.14 1.60 0.80 (0.29) (1.12) 1.37 1.94 +0.3 pt
ROIC 3.62 0.93 1.02 2.50 5.75 11.22 3.06 (0.89) 0.88 12.43 10.95 +8.8 pt
ROE 10.63 10.34 5.54 2.47 11.45 16.11 10.42 (5.00) (10.16) 10.29 17.61 (0.3) pt
People
People Employees 2,552 2,419 2,036 1,071 1,030 984 937 883 787 1,971 — (2.8%)
Revenue/emp, $m 0.22 0.11 0.14 0.33 0.39 0.37 0.38 0.50 0.76 0.52 — +10.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Mechanics Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FIBK First Interstate BancSystem, Inc. $3.5B 11.8× 13.4× −5.93% (below 0%: shrinking) −4.35% (below 0%: shrinking) +22.30% (above 0%: growing) 79.01% 0.00% Compare
FFBC First Financial Bancorp. $3.4B 11.3× 10.5× +13.34% (above 0%: growing) +2.75% (above 0%: growing) −101.00% (below 0%: shrinking) 74.64% 0.00% Compare
MCHB Mechanics Bancorp $3.4B 11.9× 16.4× +32.34% (above 0%: growing) +18.88% (above 0%: growing) −31.39% (below 0%: shrinking) 76.78% 0.00%
CBU Community Financial System, Inc. $3.4B 14.7× 13.6× +6.18% (above 0%: growing) +11.54% (above 0%: growing) +15.96% (above 0%: growing) 83.56% 0.00% Compare
TOWN Towne Bank $3.4B 10.2× 8.6× +85.30% (above 0%: growing) +303.85% (above 0%: growing) +9.18% (above 0%: growing) 85.47% 0.00% Compare
SFNC Simmons First National Corporation $3.4B 12.9× 12.8× +180.46% (above 0%: growing) n/m +89.30% (above 0%: growing) 70.51% 0.00% Compare
SBCF Seacoast Banking Corporation of Florida $3.3B 18.8× 16.4× +29.89% (above 0%: growing) +48.07% (above 0%: growing) −19.23% (below 0%: shrinking) 73.05% 0.00% Compare
PRK Park National Corporation $3.3B 15.7× 14.6× +24.17% (above 0%: growing) +7.57% (above 0%: growing) +4.77% (above 0%: growing) 84.27% 0.00% Compare
BKU BankUnited, Inc. $3.2B 11.9× 11.2× −5.99% (below 0%: shrinking) +6.25% (above 0%: growing) +9.39% (above 0%: growing) 62.35% 0.00% Compare
Median of peers $3.4B 12.4× 13.1× +18.76% +7.57% +9.29% 76.83% 0.00%

All 327 Banks Regional stocks →

Mechanics Bancorp (MCHB) Latest News

2 Nov

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7 Aug

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7 May

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30 Apr

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31 Jan

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15 Dec

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MCHB metrics, ten years each

stockrow.com/MCHB · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com