Saturday 17 October 2026 Export MCHB’s income statement to Excel — free account

Mechanics Bancorp

Mechanics Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 73.4% from fiscal 2024. In the quarter to June 2026, revenue grew 32.3%, EPS grew 18.9%, free cash flow fell 31.4% and total debt fell 89.8%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

14.29 0.05 −0.35%

Follow MCHB

Alert me

Market cap: $3.3B
P/E: 11.6×
Fwd P/E: 14.9×
Dividend yield: —
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.00

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	1	—	—	—	—

Insider Ownership 87.34%

Capital & Financial Ratios $m

Market Cap 3,320.00

Revenue 1,173.02

Net Income 281.25

Free Cash Flow 187.80

Net Debt (404.16)

Current Ratio 0.78

Debt/Equity 0.05

P/E ratio 11.62

Fwd P/E 14.90

P/S ratio 2.71

P/B ratio 1.14

Past 5Y EPS Growth (18.87%)

This Y EPS Growth 26.67%

Next Y EPS Growth 12.92%

Next Y revenue growth (22.66%)

Next 5Y EPS Growth 15.39%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 45.74%

10-year low 10-year high

P/S against its own 10 years 68.41%

10-year low 10-year high

P/B against its own 10 years 63.84%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	Powerpack
2025	Powerpack
2024	Powerpack
2023	0.65	0.35 935.00 0.10 0.10 713.00 0.10
2022	313.40	0.35 312.00 0.35 1,012.00 0.35 1,168.00 0.35 1,168.00
2021	811.00	0.25 0.25 2,569.00 0.25 810.00 0.25
2020	0.75	0.15 0.15 0.15 0.15 0.15
2019	Powerpack
2017	Powerpack

predictions special payouts not included in total or ratios

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%

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.

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)	0.20	(6.54)	0.14
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	18.58	24.00	20.50	20.90	18.44	32.75	22.44	4.20	8.09	8.41	Analyst estimates 2026–2028 Powerpack
	High	33.70	32.50	32.60	35.44	35.52	53.83	57.40	30.15	16.10	15.90
People
People	Employees	2,552	2,419	2,036	1,071	1,030	984	937	883	787	1,971
	Revenue/emp, $m	0.22	0.11	0.14	0.33	0.39	0.37	0.38	0.50	0.76	0.52
Income, $m
Income, $m	Revenue	569	255	288	352	401	364	356	442	597	1,035
	Gross margin, %	94.81	85.18	78.65	74.94	89.20	95.27	80.05	47.25	63.70	78.15
	EBT	91	26	28	49	102	147	85	(33)	36	320
	EBT margin, %	15.96	10.11	9.81	13.84	25.39	40.27	23.79	(7.42)	5.98	30.88
	Net income	58	69	40	18	80	115	67	(28)	29	266
	Depreciation	16	23	25	26	24	13	17	52	44	21
Per share, $
Per share, $	Revenue	23.10	9.49	10.68	13.77	17.55	17.44	18.80	23.51	2.95	4.96
	Earnings	2.36	2.57	1.48	0.66	3.50	5.53	3.51	(1.46)	0.14	1.22
	Cash flow	(1.82)	5.93	10.60	10.12	(1.12)	8.28	11.53	0.43	1.45	0.93
	Capex	(0.98)	(1.60)	(0.33)	(0.09)	(0.96)	(0.14)	(0.36)	(0.20)	(0.01)	0.04
	Free cash flow	(2.80)	4.33	10.27	10.03	(2.08)	8.14	11.17	0.22	1.44	0.96
	Book value	25.56	26.22	27.42	26.58	31.39	34.25	29.69	28.66	11.40	13.72
	Shares, m	25	27	27	26	23	21	19	19	202	209
Valuation, ×
Valuation, ×	P/E	13.41	11.27	14.34	47.22	9.56	9.42	7.94	0.00	0.00	12.02
	P/S	1.37	3.04	1.99	2.47	1.92	2.98	1.48	0.43	3.87	2.95
	P/B	1.24	1.10	0.77	1.28	1.08	1.52	0.94	0.36	1.00	1.07
	EV/Sales	3.02	7.09	5.46	4.00	2.90	3.26	4.76	4.41	4.24	2.09
	EV/FCF	(24.96)	15.52	5.69	5.50	(24.36)	7.93	8.86	(120.70)	9.36	11.96
Cash, $m
Cash, $m	Operating cash flow	(45)	159	286	259	(26)	173	218	8	292	194
	Capex	(24)	(43)	(9)	(2)	(22)	(3)	(7)	(4)	(1)	8
	Free cash flow	(69)	116	277	257	(48)	170	212	4	291	201
Balance, $m
Balance, $m	Working capital	(33)	257	133	(194)	(471)	(585)	(87)	733	(3,127)	(3,564)
	Total debt	994	1,104	1,058	597	449	167	1,240	1,970	1,225	192
	Net debt	940	1,032	1,000	539	391	102	1,168	1,754	225	(887)
	Shareholders’ equity	629	704	740	680	718	715	562	538	2,302	2,862
Returns, %
Returns, %	ROA	1.04	1.06	0.58	0.25	1.14	1.60	0.80	(0.29)	0.22	1.37
	ROIC	3.62	0.93	1.02	2.50	5.75	11.22	3.06	(0.89)	0.88	12.43
	ROE	10.63	10.34	5.54	2.47	11.45	16.11	10.42	(5.00)	2.04	10.29

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
NIC Nicolet Bankshares Inc.	$3.5B	18.2×	14.1×	+71.53% (above 0%: growing)	+11.67% (above 0%: growing)	+139.43% (above 0%: growing)	74.94%	0.00%	Compare
MCHB Mechanics Bancorp	$3.3B	11.6×	14.9×	+32.34% (above 0%: growing)	+18.88% (above 0%: growing)	−31.39% (below 0%: shrinking)	76.78%	0.00%
FIBK First Interstate BancSystem, Inc.	$3.3B	10.7×	13.4×	−1.86% (below 0%: shrinking)	+26.09% (above 0%: growing)	−12.42% (below 0%: shrinking)	79.42%	0.00%	Compare
FFBC First Financial Bancorp.	$3.3B	11.0×	9.7×	+12.98% (above 0%: growing)	0.00%	−101.00% (below 0%: shrinking)	74.47%	0.00%	Compare
TOWN Towne Bank	$3.3B	9.9×	8.3×	+85.30% (above 0%: growing)	+303.85% (above 0%: growing)	+9.18% (above 0%: growing)	85.47%	0.00%	Compare
PRK Park National Corporation	$3.2B	15.9×	14.7×	+25.60% (above 0%: growing)	+9.06% (above 0%: growing)	+4.77% (above 0%: growing)	84.20%	0.00%	Compare
SFNC Simmons First National Corporation	$3.2B	— (loss-making)	10.5×	−0.49% (below 0%: shrinking)	+6.98% (above 0%: growing)	+89.30% (above 0%: growing)	69.90%	0.00%	Compare
CBU Community Financial System, Inc.	$3.1B	14.0×	13.3×	+8.48% (above 0%: growing)	+19.59% (above 0%: growing)	+15.96% (above 0%: growing)	83.15%	0.00%	Compare
SBCF Seacoast Banking Corporation of Florida	$3.1B	20.5×	14.1×	+30.05% (above 0%: growing)	+10.00% (above 0%: growing)	−19.23% (below 0%: shrinking)	73.47%	0.00%	Compare
Median of peers	$3.2B	14.0×	13.4×	+19.29%	+10.84%	+6.98%	77.18%	0.00%

All 323 Banks Regional stocks →

Mechanics Bancorp (MCHB) key facts

Strength: Mechanics Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 73.4% from fiscal 2024.
Mechanics Bancorp (MCHB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, MCHB traded at $14.29, a market capitalization of $3.3 billion.
Return on equity was 10.3% and debt-to-equity 0.05.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.