MCHB

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Mechanics Bancorp

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Key Metrics

Previous Close: $14.83
52-Week Range: $12.82 – $17.38
Market Cap: $3.30B
P/E (TTM): 11.64
EPS (TTM): 1.28
Dividend Yield: 10.47%

Advanced Metrics

Price/Book: 1.28
PEG Ratio: —
Return on Equity: 11.02%
Return on Assets: 1.49%
Gross Margin: 0.00%
Operating Margin: 46.84%
Profit Margin: 37.88%
Current Ratio: —
Debt/Equity: —
Total Debt: $297.01M
Free Cash Flow: —
Revenue Growth: 35.70%
Earnings Growth: 23.90%
Enterprise Value: $3.14B

MCHB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$694.97M	—	$379.25M	$663.16M
Selling, General & Admin	—	—	$209.07M	$231.45M
Pretax Income	—	—	$35.70M	$319.55M
Income Tax	—	—	$6.70M	$53.81M
Net Income	—	—	$29.00M	$265.74M
Diluted EPS	—	3143.85	0.14	1.27
Diluted Shares	—	64225	202.05M	208.73M

MCHB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	—	—	$999.71M	$1.03B
Total Assets	—	—	$16.49B	$22.35B
Long-Term Debt	—	—	—	$192.01M
Total Debt	—	—	$56.09M	$278.81M
Total Liabilities	—	—	$14.19B	$19.49B
Retained Earnings	—	—	$239.52M	$456.69M
Shareholders' Equity	—	—	$2.30B	$2.86B

MCHB Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$143.44M	$149.75M	$165.09M	$204.89M	$200.06M	$200.97M
Selling, General & Admin	$51.65M	$50.69M	$57.57M	$71.54M	$72.45M	$66.78M
Pretax Income	$61.45M	$59.04M	$45.10M	$153.95M	$61.87M	$79.26M
Income Tax	$17.66M	$16.56M	-$10.06M	$29.65M	$17.78M	$21.56M
Net Income	$43.79M	$42.48M	$55.16M	$124.30M	$44.09M	$57.70M
Diluted EPS	0.22	0.20	0.26	0.54	0.19	0.25
Diluted Shares	202.06M	200.95M	208.37M	222.21M	222.32M	221.34M

MCHB Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	—	$999.71M	$1.44B	$1.03B	$483.51M	$553.91M
Total Assets	—	$16.49B	$22.71B	$22.35B	$21.39B	$21.23B
Long-Term Debt	—	—	$190.12M	$192.01M	$128.81M	$130.42M
Total Debt	—	$56.09M	$280.92M	$278.81M	$211.22M	$288.59M
Total Liabilities	—	$14.19B	$19.93B	$19.49B	$18.60B	$18.54B
Retained Earnings	—	$239.52M	$380.95M	$456.69M	$407.91M	$303.05M
Shareholders' Equity	—	$2.30B	$2.77B	$2.86B	$2.79B	$2.69B

MCHB Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	—	$65.14M	$15.97M	$113.92M	$11.40M	$52.79M
Capital Expenditure	—	-$1.46M	-$1.06M	-$3.49M	-$2.64M	-$3.14M
Free Cash Flow	—	$63.68M	$14.90M	$110.43M	$8.76M	$49.65M
Depreciation & Amortisation	—	$4.88M	$6.80M	$10.99M	$10.60M	$10.57M
Stock-Based Compensation	—	$1.16M	-$2.95M	$4.81M	$1.34M	$1.48M
Investing Cash Flow	—	$1.23B	$607.53M	-$50.42M	$381.80M	$252.82M
Financing Cash Flow	—	-$17.36M	-$1.26B	-$476.17M	-$939.67M	-$235.21M
Dividends Paid	—	$0.00	$0.00	-$48.56M	-$92.57M	-$162.01M
Net Change in Cash	—	$1.28B	-$636.31M	-$412.66M	-$546.47M	$70.40M

Market Snapshot

About

Mechanics Bancorp is a bank holding company operating Mechanics Bank, a community-oriented financial institution providing traditional banking services to individuals and businesses. The company focuses on relationship banking, offering commercial lending, residential mortgages, deposit products, and personalized financial services to its local market.