Mechanics Bancorp
MCHB Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$15.13
KIRA · Stoqly’s AI analyst, in plain words
- Mechanics Bancorp had $49.7M of revenue in fiscal 2025, up 3.3% on the year before. Over five years, revenue changed −32.6% a year on average.
- Mechanics Bancorp made $266M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −6.6% a year.
- Mechanics Bancorp returned $48.6M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count rose 3.3%.
- It earned 10.3% on shareholders’ money. Running costs took 944.3% of revenue (the efficiency ratio; lower is better).
Market cap
$3.4B
P/E
11.6x
Revenue
$49.7M
Net income
$266M
Return on equity
10.3%
Efficiency ratio
944.3%
Mechanics Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+3.3%
Only a little. Sales grew 3.3% last year.
Does it make a profit?
534.4%
Yes. It keeps 534.4% of every sale as profit.
How lean are its costs?
944.3%
Costly. Running costs take 944.3% of revenue.
How much does it earn on its capital?
10.3%
Fair. It earns 10.3% a year on shareholders’ money.
How is the share priced?
11.6x
One share costs 11.6 times its yearly profit per share.
What Mechanics Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 17, 2026
- Legal name
- Mechanics Bancorp
- CIK
- 0001518715
Mechanics Bancorp · MCHB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $347M | $285M | $209M | $48.1M | $49.7M |
| Revenue growth | −3.1% | −17.9% | −26.7% | −76.9% | 3.3% |
| Net interest income | $227M | $233M | $167M | $519M | $586M |
| Net income | $115M | $66.5M | −$27.5M | $29.0M | $266M |
| Net margin | 33.3% | 23.4% | −13.2% | 60.3% | 534.4% |
| Diluted EPS | $5.46 | $3.49 | −$1.46 | $0.14 | $1.27 |
| Cash | |||||
| Cash from operations | $173M | $218M | $8.0M | $292M | $194M |
| Capital expenditure | $2.9M | $6.8M | $3.8M | $6.4M | $6.5M |
| Free cash flow | $170M | $212M | $4.2M | $286M | $187M |
| FCF margin | 49.0% | 74.3% | 2.0% | 594.0% | 376.2% |
| Dividends paid | $21.3M | $26.8M | $12.3M | $95.0M | $48.6M |
| Share buybacks | $84.2M | $75.0M | $0.0M | — | — |
| Share count change | −8.4% | −9.9% | −1.4% | 975.7% | 3.3% |
| Debt and strength | |||||
| Cash and short-term investments | $65.2M | $72.8M | $216M | $1,000M | $1.0B |
| Debt incl. finance leases | $168M | $1.2B | $2.0B | $1.0B | $192M |
| Loans, net | $5.5B | $7.4B | $7.4B | $9.6B | $14.0B |
| Deposits | $6.1B | $7.5B | $6.8B | $13.9B | $19.0B |
| Shareholders' equity | $715M | $562M | $2.2B | $2.3B | $2.9B |
| Returns and quality | |||||
| Return on equity | 16.1% | 10.4% | −2.0% | 1.3% | 10.3% |
| Return on tangible equity | 16.1% | 12.5% | −1.2% | 2.0% | 14.7% |
| Efficiency ratio | 62.1% | 72.1% | 115.9% | 718.6% | 944.3% |
| Piotroski F-score | 6 | 4 | 3 | 5 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Mechanics Bancorp · MCHB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $15.13 a share, the company is worth $3.4B: 11.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001518715). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.