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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. 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%
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%) (below 0%: weak)
This Y EPS Growth 26.67% (at or above 15%: strong)
Next Y EPS Growth 12.92%
Next Y revenue growth (22.66%) (below 0%: weak)
Next 5Y EPS Growth 15.39% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Mechanics Bancorp (MCHB) Latest News

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stockrow.com/MCHB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com