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Friday 6 November 2026
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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%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
12.02 | 0.00 | 0.00 | 7.94 | 9.42 | 9.56 | 47.22 | 14.34 | 11.27 | 13.41 |
Piotroski F-Score |
7 | 4 | 5 | 5 | 7 | 6 | 6 | 5 | 6 | 3 |
P/S ratio |
2.95 | 0.36 | 0.43 | 1.48 | 2.98 | 1.92 | 2.47 | 1.99 | 3.04 | 1.37 |
P/FCF ratio |
16.87 | 0.80 | 0.00 | 2.76 | 7.25 | 0.00 | 3.40 | 2.07 | 6.66 | 0.00 |
P/Operating CF |
26.79 | 2.88 | 20.15 | 59.44 | (115.06) | 52.20 | 11.36 | 10.01 | 4.06 | 5.71 |
P/B ratio |
1.07 | 0.09 | 0.36 | 0.94 | 1.52 | 1.08 | 1.28 | 0.77 | 1.10 | 1.24 |
Price to Tangible BV |
1.77 | 0.15 | 0.45 | 1.25 | 1.86 | 1.29 | 1.59 | 0.93 | 1.95 | 2.16 |
EV/Sales |
2.09 | 4.24 | 4.41 | 4.76 | 3.26 | 2.90 | 4.00 | 5.46 | 7.09 | 3.02 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
11.18 | 8.66 | 242.51 | 7.76 | 6.87 | (45.50) | 5.44 | 5.50 | 11.34 | (38.37) |
EV/FCF |
11.96 | 9.36 | (120.70) | 8.86 | 7.93 | (24.36) | 5.50 | 5.69 | 15.52 | (24.96) |
Quick Ratio |
0.06 | 0.07 | 0.03 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Current Ratio |
0.81 | 0.78 | 1.11 | 0.99 | 0.91 | 0.92 | 0.96 | 1.03 | 1.05 | 0.99 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.86% | 7.43% | 20.97% | 13.25% | 2.32% | 6.20% | 8.77% | 15.02% | 16.38% | 15.91% |
Debt/Equity |
0.07 | 0.53 | 3.66 | 2.21 | 0.23 | 0.63 | 0.88 | 1.43 | 1.57 | 1.58 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.10 |
Operating CF/Net income |
0.73 | (2.02) | (0.29) | 3.28 | 1.50 | (0.32) | 14.78 | 7.15 | 2.31 | (0.77) |
Capex/Depreciation |
0.37 | (0.03) | (0.07) | (0.40) | (0.22) | (0.90) | (0.09) | (0.36) | (1.89) | (1.54) |
| 10.29% | (10.16%) | (5.00%) | 10.42% | 16.11% | 11.45% | 2.47% | 5.54% | 10.34% | 10.63% | |
| 1.37% | (1.12%) | (0.29%) | 0.80% | 1.60% | 1.14% | 0.25% | 0.58% | 1.06% | 1.04% | |
ROIC |
12.43% | 0.88% | (0.89%) | 3.06% | 11.22% | 5.75% | 2.50% | 1.02% | 0.93% | 3.62% |
Return on Tangible Assets |
(7.77%) | 4.80% | (3.50%) | (184.52%) | (21.92%) | (19.71%) | (14.96%) | 18.09% | 19.07% | 131.37% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
38.52% | 55.47% | 45.64% | 56.26% | 55.00% | 63.81% | 61.11% | 68.83% | 74.40% | 78.47% |
Intangible Assets out of Total Assets |
0.05 | 0.05 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.05 | 0.04 |
Share Based Compensation of Revenue |
0.54% | 0.77% | 0.82% | 1.15% | 0.93% | 0.67% | (0.05%) | 1.17% | 1.12% | 0.36% |
Graham Net Nets |
(1.43) | (15.66) | (6.45) | (2.52) | (0.69) | (1.19) | (0.91) | (1.91) | (1.09) | (1.32) |
Graham Number |
19.38 | 0.00 | 0.00 | 48.43 | 65.22 | 49.93 | 20.75 | 30.22 | 38.86 | 36.84 |
Earnings Yield |
8.32% | (67.04%) | (14.30%) | 12.60% | 10.62% | 10.46% | 2.12% | 6.97% | 8.87% | 7.46% |
Free Cash Flow Yield |
5.93% | 125.58% | (8.41%) | 36.25% | 13.79% | (6.18%) | 29.44% | 48.29% | 15.02% | (8.84%) |
Revenue per Share |
4.96 | 31.64 | 23.51 | 18.80 | 17.44 | 17.55 | 13.77 | 10.68 | 9.49 | 23.10 |
Operating CF per Share |
0.93 | 15.50 | 0.43 | 11.53 | 8.28 | (1.12) | 10.12 | 10.60 | 5.93 | (1.82) |
Capex per Share |
0.04 | (0.08) | (0.20) | (0.36) | (0.14) | (0.96) | (0.09) | (0.33) | (1.60) | (0.98) |
Free Cash Flow per Share |
0.96 | 15.42 | 0.22 | 11.17 | 8.14 | (2.08) | 10.03 | 10.27 | 4.33 | (2.80) |
Cash per Share |
5.17 | 53.01 | 11.48 | 3.85 | 3.12 | 2.54 | 2.26 | 2.15 | 2.71 | 2.19 |
Shareholders Equity per Share |
13.72 | 122.07 | 28.66 | 29.69 | 34.25 | 31.39 | 26.58 | 27.42 | 26.22 | 25.56 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
13.72 | 122.07 | 28.66 | 29.69 | 34.25 | 31.39 | 26.58 | 27.42 | 26.22 | 25.56 |
Free Cash Flow |
201.27 | 290.77 | 4.21 | 211.54 | 170.09 | (47.51) | 256.57 | 277.10 | 116.42 | (68.85) |
Working Capital |
(3,563.76) | (3,126.98) | 733.41 | (87.23) | (584.65) | (470.84) | (194.03) | 133.15 | 256.90 | (33.37) |
Capital Expenditures |
7.68 | (1.49) | (3.81) | (6.79) | (2.94) | (21.96) | (2.26) | (8.92) | (42.91) | (24.05) |
Net Current Asset Value |
(4,027.86) | (3,373.42) | (1,236.36) | (1,327.64) | (751.68) | (919.47) | (793.87) | (1,092.02) | (847.58) | (1,026.90) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
(0.01) | 0.00 | 0.01 | 0.02 | 0.01 | 0.05 | 0.01 | 0.03 | 0.17 | 0.04 |
Price to Operating Income |
7.77 | 6.03 | 0.00 | 6.23 | 7.40 | 7.57 | 17.97 | 21.18 | 30.07 | 8.58 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.15 | 0.38 | 0.98 | 0.33 | 0.23 | 0.38 | 0.34 | 0.28 | 0.22 | 0.20 |
Cash ROIC |
4.87% | 6.42% | 0.15% | 11.28% | 17.95% | (3.88%) | 19.22% | 14.93% | 6.19% | (4.11%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.02 | 0.03 | 0.01 | 0.00 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
30,719.96 | 23,499.33 | 10,784.88 | 38,886.55 | 133,857.18 | 51,114.34 | 22,892.64 | 30,022.65 | 47,661.74 | 57,196.99 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
16,483.40 | 10,413.05 | 7,223.25 | 6,941.97 | 6,196.21 | 5,801.79 | 5,295.70 | 4,995.86 | 4,777.04 | 3,985.05 |
Average Assets |
19,420.79 | 12,941.28 | 9,378.61 | 8,284.43 | 7,220.59 | 7,024.76 | 6,927.33 | 6,892.13 | 6,492.87 | 5,569.10 |
Average Common Equity |
2,582.12 | 1,420.13 | 550.27 | 638.74 | 716.54 | 698.74 | 709.62 | 721.95 | 666.83 | 547.28 |
Columns are period end dates · fundamentals updated 26 Oct 2026