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Mechanics Bancorp (MCHB) Financials

Mechanics Bancorp logo
$14.15 0.00 (0.00%)
Closing price 05/22/2026 04:00 PM Eastern
Extended Trading
$14.14 -0.01 (-0.07%)
As of 05/22/2026 07:29 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Mechanics Bancorp

Annual Income Statements for Mechanics Bancorp

This table shows Mechanics Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 41 58 69 40 18 80 115 67 -28 29 266
Consolidated Net Income / (Loss)		 41 58 69 40 18 80 115 67 -28 29 266
Net Income / (Loss) Continuing Operations		 41 58 43 26 41 80 115 67 -28 29 266
Total Pre-Tax Income 		57 91 26 28 49 102 147 85 -33 36 320
Total Revenue		 430 539 217 226 264 358 347 285 209 380 809
Net Interest Income / (Expense)		 148 180 175 190 189 209 227 233 167 519 586
Total Interest Income		 165 210 212 251 278 252 244 304 400 736 812
Loans and Leases Interest Income		 153 191 190 228 256 229 222 267 341 529 572
Investment Securities Interest Income		 12 18 22 23 21 22 22 34 50 132 179
Other Interest Income		 0.90 0.48 0.22 0.47 1.03 1.23 0.57 3.62 8.87 75 60
Total Interest Expense		 17 29 38 61 88 43 17 71 233 217 226
Deposits Interest Expense		 - - 24 42 70 34 11 32 138 189 220
Long-Term Debt Interest Expense		 1.10 4.04 6.07 20 18 9.55 5.83 39 95 26 0.12
Federal Funds Purchased and Securities Sold Interest Expense		 0.01 0.00 0.01 - - - - - - 0.86 6.30
Total Non-Interest Income		 281 359 43 37 74 149 120 52 42 -139 223
Service Charges on Deposit Accounts		 - 33 3.33 4.82 9.79 9.49 7.23 12 13 0.97 2.90
Other Service Charges		 33 14 19 20 21 17 20 21 20 65 65
Net Realized & Unrealized Capital Gains on Investments		 248 312 21 12 44 123 92 18 9.35 -207 150
Other Non-Interest Income		 - - - - - - - - - 2.60 4.85
Provision for Credit Losses		 6.10 4.10 0.75 3.00 -0.50 20 -15 -5.20 -0.44 -1.51 20
Total Non-Interest Expense		 367 444 191 195 216 236 215 205 242 346 470
Salaries and Employee Benefits		 241 303 102 107 124 137 132 116 111 191 219
Net Occupancy & Equipment Expense		 54 64 43 54 59 65 52 55 52 65 79
Marketing Expense		 - - - - - - - - - 3.27 3.13
Property & Liability Insurance Claims		 5.38 5.28 4.30 - - - - - - 15 9.00
Other Operating Expenses		 65 70 40 34 33 34 32 35 39 59 69
Amortization Expense		 1.92 2.17 1.71 - - - - - - 13 17
Restructuring Charge		 - - - - - - - - - 0.00 73
Income Tax Expense		 16 33 -17 2.03 7.99 22 31 18 -5.25 6.70 54
Basic Earnings per Share		 $1.98 $2.36 $2.57 $1.48 $0.66 $3.50 $5.53 $3.51 ($1.46) $0.14 $1.27
Weighted Average Basic Shares Outstanding		 20.82M 24.62M 26.86M 26.97M 25.57M 22.87M 20.89M 18.93M 18.78M 201.99M 208.63M
Diluted Earnings per Share		 $1.96 $2.34 $2.54 $1.47 $0.65 $3.47 $5.46 $3.49 ($1.46) $0.14 $1.27
Weighted Average Diluted Shares Outstanding		 21.06M 24.84M 27.09M 27.17M 25.77M 23.08M 21.14M 19.04M 18.78M 202.05M 208.73M
Weighted Average Basic & Diluted Shares Outstanding		 20.90M 24.60M 26.80M 27M 23.69M 21.51M 19.32M 18.76M 18.86M 18.92M 221.39M

Quarterly Income Statements for Mechanics Bancorp

This table shows Mechanics Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.30 -3.42 -7.50 -6.24 40 -123 44 -4.41 55 219 44
Consolidated Net Income / (Loss)		 2.30 -3.42 -7.50 -6.24 40 -123 44 -4.41 55 219 44
Net Income / (Loss) Continuing Operations		 2.30 -3.42 -7.50 -6.24 40 -123 44 -4.41 55 219 44
Total Pre-Tax Income 		1.40 -4.01 -11 -8.00 55 -92 61 -4.78 45 284 62
Total Revenue		 49 46 42 43 148 -49 143 49 255 459 200
Net Interest Income / (Expense)		 39 35 32 30 131 30 128 34 146 373 179
Total Interest Income		 101 101 103 101 192 99 174 83 205 438 242
Loans and Leases Interest Income		 86 87 86 87 131 86 118 72 142 285 181
Investment Securities Interest Income		 12 12 11 10 37 9.07 48 8.60 40 122 53
Other Interest Income		 2.50 2.60 5.57 3.64 24 4.05 8.21 2.64 23 31 7.67
Total Interest Expense		 62 66 70 71 61 69 45 49 59 65 63
Deposits Interest Expense		 34 39 43 44 52 44 45 35 57 89 58
Long-Term Debt Interest Expense		 28 27 28 28 8.61 25 0.00 15 0.12 -29 0.23
Federal Funds Purchased and Securities Sold Interest Expense		 - - - - 0.13 - 0.00 - 1.60 - 4.34
Total Non-Interest Income		 10 11 9.45 13 17 -78 15 15 110 86 21
Other Service Charges		 5.00 5.59 4.12 6.78 16 3.87 14 4.32 17 40 20
Net Realized & Unrealized Capital Gains on Investments		 2.37 2.11 2.31 3.04 0.00 -85 0.00 3.24 91 53 0.05
Other Non-Interest Income		 - - - - 1.01 - 0.53 - 2.12 - 1.17
Provision for Credit Losses		 -1.11 0.45 0.00 0.00 6.74 - -3.66 6.00 47 -35 7.77
Total Non-Interest Expense		 49 50 52 51 86 44 86 48 163 209 130
Salaries and Employee Benefits		 27 27 28 28 47 25 49 26 54 113 69
Net Occupancy & Equipment Expense		 13 13 13 13 16 13 15 12 20 34 26
Marketing Expense		 - - - - 0.96 - 0.58 - 0.68 - 0.91
Property & Liability Insurance Claims		 - - - - 2.92 - 2.21 - 2.72 - 2.99
Other Operating Expenses		 9.20 9.38 11 11 15 5.53 16 9.43 17 32 20
Amortization Expense		 - - - - 3.30 - 2.74 - 4.25 - 7.22
Restructuring Charge		 - - - - 0.00 - 0.35 - 64 - 4.79
Income Tax Expense		 -0.90 -0.59 -3.06 -1.77 16 31 18 -0.37 -10 65 18
Basic Earnings per Share		 $0.12 ($0.18) ($0.40) ($0.33) $0.20 ($6.53) $0.22 ($0.23) $0.26 $1.48 $0.20
Weighted Average Basic Shares Outstanding		 18.79M 18.78M 18.86M 18.86M 202.00M 18.86M 202.00M 18.92M 208.30M 208.63M 222.16M
Diluted Earnings per Share		 $0.12 ($0.18) ($0.40) ($0.33) $0.20 ($6.53) $0.22 ($0.23) $0.26 $1.48 $0.20
Weighted Average Diluted Shares Outstanding		 18.79M 18.78M 18.86M 18.86M 202.09M 18.86M 202.06M 18.92M 208.37M 208.73M 222.32M
Weighted Average Basic & Diluted Shares Outstanding		 18.81M 18.86M 18.86M 18.86M 18.86M 18.92M 18.92M 18.92M 221.21M 221.39M 221.40M

Annual Cash Flow Statements for Mechanics Bancorp

This table details how cash moves in and out of Mechanics Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 2.18 21 18 -15 -0.71 0.17 7.17 7.61 143 -458 30
Net Cash From Operating Activities		 8.31 -45 159 286 259 -26 173 218 8.02 292 194
Net Cash From Continuing Operating Activities		 8.31 -45 159 286 259 -26 173 218 8.02 292 194
Net Income / (Loss) Continuing Operations		 41 58 69 40 18 80 115 67 -28 29 266
Consolidated Net Income / (Loss)		 41 58 69 40 18 80 115 67 -28 29 266
Provision For Loan Losses		 6.28 5.87 0.37 3.00 -0.50 20 -15 -5.20 -0.44 -1.56 21
Depreciation Expense		 15 16 23 13 11 9.44 9.91 9.71 7.15 9.38 11
Amortization Expense		 - - - 12 16 15 3.22 7.10 5.33 35 14
Non-Cash Adjustments to Reconcile Net Income		 -78 130 360 279 263 -82 56 129 49 219 -101
Changes in Operating Assets and Liabilities, net		 24 -254 -292 -61 -48 -69 3.95 11 -25 1.24 -16
Net Cash From Investing Activities		 -418 -819 -556 -564 107 -233 -126 -2,654 484 476 1,546
Net Cash From Continuing Investing Activities		 -418 -819 -556 -564 107 -233 -126 -2,654 484 476 1,546
Purchase of Property, Leasehold Improvements and Equipment		 -21 -25 -42 -9.72 -2.26 -3.30 -2.94 -6.79 -3.81 -6.37 -6.51
Purchase of Investment Securities		 -724 -1,354 -1,367 -370 -516 -1,227 -963 -2,886 -263 -1,601 -179
Sale of Property, Leasehold Improvements and Equipment		 0.00 1.15 0.00 0.81 0.00 1.46 - - - 2.62 0.89
Sale and/or Maturity of Investments		 326 559 853 948 1,266 994 840 239 423 2,081 1,730
Net Cash From Financing Activities		 412 885 414 263 -367 258 -40 2,443 -349 -1,226 -1,709
Net Cash From Continuing Financing Activities		 412 885 414 263 -367 258 -40 2,443 -349 -1,226 -1,709
Net Change in Deposits		 112 919 310 290 214 481 348 1,473 -1,065 -356 -660
Repayment of Debt		 -10,264 -14,899 -10,861 -32 -58 -8.29 -51 -0.59 -535 -25 -1,000
Payment of Dividends		 - - - 0.00 0.00 -14 -21 -27 -12 -95 -49
Other Financing Activities, Net		 -209 -279 -194 - - - - - - -750 0.00
Cash Interest Paid		 17 29 43 68 93 44 17 66 217 217 221
Cash Income Taxes Paid		 11 14 -22 -5.79 34 21 34 5.20 -5.29 3.56 31

Quarterly Cash Flow Statements for Mechanics Bancorp

This table details how cash moves in and out of Mechanics Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 54 -11 105 -102 -282 201 -201 -51 648 -413 -546
Net Cash From Operating Activities		 29 9.52 -7.85 -22 247 1.12 -1.44 -9.79 112 114 11
Net Cash From Continuing Operating Activities		 29 9.52 -7.85 -22 247 1.12 -1.44 -9.79 112 114 11
Net Income / (Loss) Continuing Operations		 2.30 -3.42 -7.50 -6.24 -8.93 -123 44 -4.41 150 124 44
Consolidated Net Income / (Loss)		 2.30 -3.42 -7.50 -6.24 -8.93 -123 44 -4.41 150 124 44
Provision For Loan Losses		 -1.11 0.45 0.00 - 2.68 0.18 -3.66 6.00 36 -22 7.77
Depreciation Expense		 1.75 1.71 1.66 1.68 3.72 1.55 2.35 1.49 4.11 3.51 3.38
Amortization Expense		 1.18 1.59 1.78 1.67 27 2.10 6.56 1.58 14 -2.62 -1.99
Non-Cash Adjustments to Reconcile Net Income		 19 20 -3.27 -5.48 224 111 12 -15 -84 10 9.57
Changes in Operating Assets and Liabilities, net		 6.49 -11 -0.52 -13 -1.53 9.45 -63 0.72 -8.10 0.46 -51
Net Cash From Investing Activities		 50 92 36 87 433 1,119 -244 152 1,253 -50 382
Net Cash From Continuing Investing Activities		 50 92 36 87 433 1,119 -244 152 1,253 -50 382
Purchase of Property, Leasehold Improvements and Equipment		 -0.63 -1.14 -6.06 -0.29 2.44 5.94 -0.50 -0.10 -2.87 -3.49 -2.64
Purchase of Investment Securities		 -38 -88 -49 -86 -1,227 36 -349 85 -140 -281 179
Sale and/or Maturity of Investments		 89 181 91 173 1,655 1,076 105 67 1,395 234 205
Net Cash From Financing Activities		 -26 -112 76 -167 -962 -919 44 -193 -717 -476 -940
Net Cash From Continuing Financing Activities		 -26 -112 76 -167 -962 -919 44 -193 -717 -476 -940
Net Change in Deposits		 75 18 -272 41 42 -23 44 -233 323 -428 -782
Repayment of Debt		 -0.11 -435 -420 -300 702 -435 0.00 -0.01 -1,000 - -65
Payment of Dividends		 -1.89 -1.85 - - - - 0.00 - - -49 -93
Cash Interest Paid		 54 63 71 81 15 78 47 50 45 72 65
Cash Income Taxes Paid		 0.04 -5.37 -0.41 -0.26 4.19 -0.00 0.01 0.05 36 0.14 -3.36

Annual Balance Sheets for Mechanics Bancorp

This table presents Mechanics Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 4,894 6,244 6,742 7,042 6,812 7,237 7,204 9,365 9,392 16,490 22,351
Cash and Due from Banks		 33 54 73 58 58 58 65 73 216 1,000 1,030
Trading Account Securities		 1,222 1,758 1,515 1,001 1,151 1,438 1,183 1,418 1,298 4,506 5,386
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 5,496 7,385 7,382 -89 -153
Allowance for Loan and Lease Losses		 - - - - - - - - - 89 153
Premises and Equipment, Net		 64 78 105 88 77 65 58 51 54 117 144
Goodwill		 12 22 23 23 - - - - - 843 843
Intangible Assets		 - - - - 34 33 32 30 9.64 39 212
Other Assets		 3,564 512 520 798 5,492 5,643 370 408 433 10,073 14,890
Total Liabilities & Shareholders' Equity		 4,894 6,244 6,742 7,042 6,812 7,237 7,204 9,365 9,392 16,490 22,351
Total Liabilities		 4,429 5,614 6,038 6,303 6,133 6,519 6,489 8,803 8,854 14,188 19,489
Non-Interest Bearing Deposits		 3,232 4,430 4,761 4,889 5,340 5,822 6,147 7,452 6,763 5,616 6,744
Interest Bearing Deposits		 - - - - - - - - - 8,326 12,281
Long-Term Debt		 1,080 994 1,104 1,058 126 126 126 224 225 0.00 192
Other Long-Term Liabilities		 - - - 167 2.60 - - - - 246 272
Total Equity & Noncontrolling Interests		 465 629 704 740 680 718 715 562 538 2,302 2,862
Total Preferred & Common Equity		 465 629 704 740 680 718 715 562 538 2,302 2,862
Total Common Equity		 465 629 704 740 680 718 715 562 538 2,302 2,862
Common Stock		 223 337 340 343 301 279 250 227 230 2,122 2,402
Retained Earnings		 245 303 372 412 375 404 444 435 395 240 457
Accumulated Other Comprehensive Income / (Loss)		 -2.45 -10 -7.12 -15 4.32 35 21 -100 -87 -60 3.49

Quarterly Balance Sheets for Mechanics Bancorp

This table presents Mechanics Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 9,501 9,459 9,455 9,266 9,201 7,804 7,609 22,709 21,389
Cash and Due from Banks		 173 227 320 219 206 252 201 1,443 484
Trading Account Securities		 1,429 1,329 1,212 1,190 1,197 1,090 1,080 4,959 5,301
Loans and Leases, Net of Allowance		 7,395 7,401 7,405 7,340 7,295 6,024 5,887 -169 -157
Allowance for Loan and Lease Losses		 - - - - - - - 169 157
Premises and Equipment, Net		 55 54 56 50 49 46 44 144 143
Goodwill		 - - - - - - - 843 843
Intangible Assets		 11 10 9.02 8.39 7.77 6.66 6.18 143 205
Other Assets		 438 438 452 458 447 385 391 15,345 14,569
Total Liabilities & Shareholders' Equity		 9,501 9,459 9,455 9,266 9,201 7,804 7,609 22,709 21,389
Total Liabilities		 8,974 8,956 8,928 8,746 8,663 7,403 7,206 19,935 18,598
Non-Interest Bearing Deposits		 6,670 6,746 6,491 6,532 6,435 6,090 5,857 6,748 6,512
Interest Bearing Deposits		 - - - - - - - 12,704 11,731
Long-Term Debt		 225 225 225 225 225 225 225 190 129
Other Long-Term Liabilities		 - - - - - - - 292 226
Total Equity & Noncontrolling Interests		 528 502 527 520 538 401 403 2,774 2,791
Total Preferred & Common Equity		 528 502 527 520 538 401 403 2,774 2,791
Total Common Equity		 528 502 527 520 538 401 403 2,774 2,791
Common Stock		 228 229 231 232 233 233 234 2,402 2,403
Retained Earnings		 400 401 388 382 374 247 242 381 408
Accumulated Other Comprehensive Income / (Loss)		 -101 -127 -91 -93 -69 -79 -73 -8.81 -19

Annual Metrics And Ratios for Mechanics Bancorp

This table displays calculated financial ratios and metrics derived from Mechanics Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 22,076,533.00 24,836,124.00 26,888,287.00 26,991,909.00 24,410,586.00 21,787,938.00 20,450,012.00 18,722,640.00 18,810,055.00 - 221,213,650.00
DEI Adjusted Shares Outstanding		 22,076,533.00 24,836,124.00 26,888,287.00 26,991,909.00 24,410,586.00 21,787,938.00 20,450,012.00 18,722,640.00 18,810,055.00 - 221,213,650.00
DEI Earnings Per Adjusted Shares Outstanding		 1.87 2.34 2.56 1.48 0.72 3.67 5.64 3.55 -1.46 - 1.20
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 51.09% 25.52% -59.73% 4.31% 16.48% 35.71% -3.07% -17.91% -26.75% -63.72% 112.77%
EBITDA Growth		 41.26% 48.28% -54.51% 9.77% 41.22% 68.35% 26.48% -36.51% -119.99% -424.25% 329.59%
EBIT Growth		 70.81% 59.52% -71.61% 9.63% 72.39% 109.19% 43.96% -42.29% -138.69% -267.90% 795.17%
NOPAT Growth		 85.63% 40.74% -26.63% -38.54% 55.28% 96.44% 44.30% -42.35% -134.46% -267.90% 816.37%
Net Income Growth		 85.63% 40.74% 18.56% -41.94% -56.25% 356.77% 44.30% -42.35% -141.34% -424.73% 816.37%
EPS Growth		 31.54% 19.39% 8.55% -42.13% -55.78% 433.85% 57.35% -36.08% -141.83% -423.97% 807.14%
Operating Cash Flow Growth		 102.38% -638.97% 455.69% 79.51% -9.50% -109.87% 777.37% 26.18% -96.32% -672.30% -33.76%
Free Cash Flow Firm Growth		 -234.54% 96.42% -639.36% 126.16% 1,396.68% -66.05% 109.61% -313.71% 14.66% 210.04% -306.89%
Invested Capital Growth		 60.69% 5.02% 11.46% -0.62% -28.96% -8.66% -24.35% 104.29% 39.14% -35.33% 32.69%
Revenue Q/Q Growth		 6.48% 3.09% -56.92% 13,795.46% 3.19% 10.01% -3.96% -6.66% -8.51% -55.51% 318.82%
EBITDA Q/Q Growth		 1.12% -7.33% -32.93% 186.77% 11.20% 78.58% 1.28% -21.55% -305.52% -483.12% 383.36%
EBIT Q/Q Growth		 1.47% -7.27% -50.96% 569.51% 12.28% 22.96% 1.72% -23.90% -86.12% -275.87% 362.23%
NOPAT Q/Q Growth		 7.99% -9.89% 17.46% 722.49% 2.25% 22.13% 1.61% -23.93% -86.12% -275.87% 411.52%
Net Income Q/Q Growth		 7.99% -9.89% 89.80% -32.97% -19.49% 26.21% 1.61% -23.93% -76.47% -490.70% 313.84%
EPS Q/Q Growth		 12.64% -10.34% 89.55% -33.48% -20.73% 31.44% 4.20% -21.75% -78.05% -488.46% 117.33%
Operating Cash Flow Q/Q Growth		 103.62% -174.16% 51.56% -31.82% 8.08% -170.52% -12.28% 9.16% 8.71% -22.37% 205.44%
Free Cash Flow Firm Q/Q Growth		 -0.32% -145.60% 55.97% -86.16% -35.80% 142.46% -34.94% 39.98% -173.50% 1,081.96% -24.75%
Invested Capital Q/Q Growth		 -0.18% 3.36% -6.37% 8.50% 55.29% -12.74% 5.50% -23.17% -3.54% -39.00% 3.04%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 16.71% 19.74% 22.30% 23.47% 28.45% 35.29% 46.05% 35.62% -9.72% -140.47% 42.56%
EBIT Margin		 13.25% 16.84% 11.87% 12.47% 18.46% 28.46% 42.27% 29.72% -15.70% -159.19% 39.52%
Profit (Net Income) Margin		 9.62% 10.78% 31.75% 17.67% 6.64% 22.34% 33.26% 23.36% -13.18% -190.67% 32.86%
Tax Burden Percent		 72.61% 64.06% 267.50% 141.66% 35.95% 78.50% 78.68% 78.60% 83.98% 119.78% 83.16%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.39% 35.94% -65.55% 7.19% 16.40% 21.50% 21.32% 21.40% 0.00% 0.00% 16.84%
Return on Invested Capital (ROIC)		 3.30% 3.67% 2.49% 1.45% 2.65% 6.55% 11.27% 4.96% -1.06% -4.08% 9.92%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.30% 3.67% 4.99% 2.73% -0.16% 6.55% 11.27% 4.96% -1.35% -7.84% 9.92%
Return on Net Nonoperating Assets (RNNOA)		 7.47% 6.95% 7.85% 4.09% -0.18% 4.90% 4.84% 5.46% -3.94% -26.78% 0.37%
Return on Equity (ROE)		 10.77% 10.63% 10.34% 5.54% 2.47% 11.45% 16.11% 10.42% -5.00% -30.86% 10.29%
Cash Return on Invested Capital (CROIC)		 -43.26% -1.22% -8.35% 2.08% 36.51% 15.60% 38.99% -63.59% -33.80% 38.82% -18.18%
Operating Return on Assets (OROA)		 1.35% 1.63% 0.40% 0.41% 0.70% 1.45% 2.03% 1.02% -0.35% -1.38% 1.65%
Return on Assets (ROA)		 0.98% 1.04% 1.06% 0.58% 0.25% 1.14% 1.60% 0.80% -0.29% -1.65% 1.37%
Return on Common Equity (ROCE)		 10.77% 10.63% 10.34% 5.54% 2.47% 11.45% 16.11% 10.42% -5.00% -30.86% 10.29%
Return on Equity Simple (ROE_SIMPLE)		 8.88% 9.24% 9.79% 5.41% 2.58% 11.14% 16.14% 11.84% -5.11% -36.36% 9.28%
Net Operating Profit after Tax (NOPAT)		 41 58 43 26 41 80 115 67 -23 -84 266
NOPAT Margin		 9.62% 10.78% 19.65% 11.58% 15.43% 22.34% 33.26% 23.36% -10.99% -111.43% 32.86%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% -2.51% -1.28% 2.80% 0.00% 0.00% 0.00% 0.29% 3.76% 0.00%
SG&A Expenses to Revenue		 68.57% 68.05% 66.63% 71.06% 69.39% 56.46% 52.95% 59.69% 78.21% 210.05% 37.26%
Operating Expenses to Revenue		 85.33% 82.40% 87.78% 86.20% 81.73% 65.82% 62.05% 72.11% 115.91% 259.19% 58.07%
Earnings before Interest and Taxes (EBIT)		 57 91 26 28 49 102 147 85 -33 -121 320
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 72 106 48 53 75 126 160 101 -20 -106 344
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.90 1.09 0.96 0.68 1.06 0.91 1.35 0.87 0.36 0.54 1.10
Price to Tangible Book Value (P/TBV)		 0.92 1.13 1.00 0.70 1.12 0.96 1.42 0.92 0.37 0.55 1.74
Price to Revenue (P/Rev)		 0.97 1.27 3.13 2.21 2.74 1.83 2.79 1.72 0.93 2.84 3.89
Price to Earnings (P/E)		 10.12 11.77 9.85 12.48 41.33 8.19 8.40 7.36 0.00 0.00 11.85
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 2.00% 2.11% 5.35% 6.31% 0.00% 1.48%
Earnings Yield		 9.89% 8.50% 10.16% 8.01% 2.42% 12.22% 11.91% 13.59% 0.00% 0.00% 8.44%
Enterprise Value to Invested Capital (EV/IC)		 0.95 1.00 0.95 0.83 0.99 0.90 1.21 0.92 0.78 0.64 0.76
Enterprise Value to Revenue (EV/Rev)		 3.41 3.01 7.88 6.62 4.79 2.92 3.09 5.82 9.33 13.66 2.86
Enterprise Value to EBITDA (EV/EBITDA)		 20.41 15.26 35.33 28.22 16.83 8.27 6.70 16.33 0.00 0.00 6.71
Enterprise Value to EBIT (EV/EBIT)		 25.75 17.89 66.37 53.08 25.93 10.26 7.30 19.58 0.00 0.00 7.23
Enterprise Value to NOPAT (EV/NOPAT)		 35.46 27.93 40.09 57.19 31.02 13.07 9.28 24.91 0.00 0.00 8.70
Enterprise Value to Operating Cash Flow (EV/OCF)		 176.31 0.00 10.74 5.24 4.88 0.00 6.19 7.59 242.75 0.00 11.94
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 39.99 2.25 5.49 2.68 0.00 0.00 1.29 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.32 1.58 1.57 1.43 0.88 0.63 0.23 2.21 3.66 3.09 0.07
Long-Term Debt to Equity		 2.32 1.58 1.57 1.43 0.18 0.18 0.18 0.40 0.42 0.57 0.07
Financial Leverage		 2.27 1.89 1.57 1.50 1.17 0.75 0.43 1.10 2.92 3.42 0.04
Leverage Ratio		 10.98 10.18 9.74 9.55 9.76 10.05 10.08 12.97 17.04 18.73 7.52
Compound Leverage Factor		 10.98 10.18 9.74 9.55 9.76 10.05 10.08 12.97 17.04 18.73 7.52
Debt to Total Capital		 69.89% 61.22% 61.06% 58.86% 46.77% 38.46% 18.93% 68.81% 78.53% 75.53% 6.29%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 36.93% 27.68% 4.65% 56.36% 69.57% 61.65% 0.00%
Long-Term Debt to Total Capital		 69.89% 61.22% 61.06% 58.86% 9.84% 10.79% 14.28% 12.45% 8.96% 13.88% 6.29%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 30.11% 38.78% 38.94% 41.14% 53.23% 61.54% 81.07% 31.19% 21.47% 24.47% 93.71%
Debt to EBITDA		 15.05 9.33 22.81 19.91 7.96 3.55 1.05 12.22 -97.11 -11.52 0.56
Net Debt to EBITDA		 14.59 8.83 21.31 18.82 7.19 3.09 0.64 11.51 -86.48 -7.70 -2.43
Long-Term Debt to EBITDA		 15.05 9.33 22.81 19.91 1.67 1.00 0.79 2.21 -11.08 -2.12 0.56
Debt to NOPAT		 26.14 17.09 25.89 40.35 14.67 5.61 1.45 18.64 -85.90 -14.52 0.72
Net Debt to NOPAT		 25.35 16.16 24.18 38.14 13.25 4.88 0.88 17.55 -76.50 -9.70 -3.15
Long-Term Debt to NOPAT		 26.14 17.09 25.89 40.35 3.09 1.57 1.09 3.37 -9.80 -2.67 0.72
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -542 -19 -143 38 561 191 399 -854 -729 802 -487
Operating Cash Flow to CapEx		 40.42% -186.22% 376.28% 3,207.84% 11,467.88% -1,389.83% 5,883.54% 3,217.33% 210.55% -9,371.63% 3,441.02%
Free Cash Flow to Firm to Interest Expense		 -32.33 -0.66 -3.79 0.61 6.36 4.40 23.17 -12.03 -3.13 2.84 -2.15
Operating Cash Flow to Interest Expense		 0.50 -1.52 4.22 4.65 2.93 -0.59 10.04 3.08 0.03 -0.16 0.86
Operating Cash Flow Less CapEx to Interest Expense		 -0.73 -2.33 3.10 4.51 2.91 -0.63 9.87 2.98 0.02 -0.16 0.83
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.10 0.10 0.03 0.03 0.04 0.05 0.05 0.03 0.02 0.01 0.04
Fixed Asset Turnover		 7.88 7.63 2.38 2.35 3.20 5.04 5.63 5.21 3.98 1.50 6.19
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,545 1,623 1,809 1,798 1,277 1,166 882 1,803 2,508 1,622 3,054
Invested Capital Turnover		 0.34 0.34 0.13 0.13 0.17 0.29 0.34 0.21 0.10 0.04 0.30
Increase / (Decrease) in Invested Capital		 584 78 186 -11 -521 -111 -284 920 706 -886 753
Enterprise Value (EV)		 1,465 1,624 1,711 1,500 1,263 1,045 1,071 1,657 1,948 1,034 2,311
Market Capitalization		 418 684 679 500 724 655 969 490 194 215 3,149
Book Value per Share		 $21.08 $25.34 $26.20 $27.40 $27.85 $32.94 $34.98 $30.03 $28.62 $21.05 $12.94
Tangible Book Value per Share		 $20.55 $24.44 $25.36 $26.56 $26.44 $31.43 $33.43 $28.42 $28.11 $20.67 $8.17
Total Capital		 1,545 1,623 1,809 1,798 1,277 1,166 882 1,803 2,508 1,622 3,054
Total Debt		 1,080 994 1,104 1,058 597 449 167 1,240 1,970 1,225 192
Total Long-Term Debt		 1,080 994 1,104 1,058 126 126 126 224 225 225 192
Net Debt		 1,047 940 1,032 1,000 539 391 102 1,168 1,754 819 -838
Capital Expenditures (CapEx)		 21 24 42 8.92 2.26 1.84 2.94 6.79 3.81 0.49 5.63
Net Nonoperating Expense (NNE)		 0.00 0.00 -26 -14 23 0.00 0.00 0.00 4.58 60 0.00
Net Nonoperating Obligations (NNO)		 1,080 994 1,104 1,058 597 449 167 1,240 1,970 1,225 192
Total Depreciation and Amortization (D&A)		 15 16 23 25 26 24 13 17 12 14 25
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.98 $2.36 $2.57 $1.48 $0.66 $3.50 $5.53 $3.51 ($1.46) ($7.65) $1.27
Adjusted Weighted Average Basic Shares Outstanding		 20.82M 24.62M 26.86M 26.97M 25.57M 22.87M 20.89M 18.93M 18.78M 18.86M 208.63M
Adjusted Diluted Earnings per Share		 $1.96 $2.34 $2.54 $1.47 $0.65 $3.47 $5.46 $3.49 ($1.46) ($7.65) $1.27
Adjusted Weighted Average Diluted Shares Outstanding		 21.06M 24.84M 27.09M 27.17M 25.77M 23.08M 21.14M 19.04M 18.78M 18.86M 208.73M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.66 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 24.55M 26.84M 26.94M 27.03M 23.69M 21.51M 19.32M 18.76M 18.86M 18.92M 221.39M
Normalized Net Operating Profit after Tax (NOPAT)		 41 58 18 26 41 80 115 67 4.97 -84 327
Normalized NOPAT Margin		 9.62% 10.78% 8.31% 11.58% 15.43% 22.34% 33.26% 23.36% 2.38% -111.43% 40.41%
Pre Tax Income Margin		 13.25% 16.84% 11.87% 12.47% 18.46% 28.46% 42.27% 29.72% -15.70% -159.19% 39.52%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.39 3.08 0.68 0.46 0.55 2.35 8.51 1.19 -0.14 -0.43 1.41
NOPAT to Interest Expense		 2.46 1.97 1.13 0.43 0.46 1.85 6.70 0.94 -0.10 -0.30 1.18
EBIT Less CapEx to Interest Expense		 2.17 2.26 -0.44 0.31 0.53 2.31 8.34 1.10 -0.16 -0.43 1.39
NOPAT Less CapEx to Interest Expense		 1.24 1.16 0.01 0.28 0.44 1.80 6.53 0.84 -0.11 -0.30 1.15
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 17.33% 18.49% 40.35% -44.78% 0.00% 18.27%
Augmented Payout Ratio		 0.00% 0.00% 0.07% 0.00% 562.72% 89.85% 91.40% 153.06% -44.78% 0.00% 18.27%

Quarterly Metrics And Ratios for Mechanics Bancorp

This table displays calculated financial ratios and metrics derived from Mechanics Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 18,794,030.00 18,810,055.00 18,857,566.00 18,857,566.00 18,857,565.00 - 18,920,808.00 18,920,808.00 18,920,808.00 221,213,650.00 221,388,530.00
DEI Adjusted Shares Outstanding		 18,794,030.00 18,810,055.00 18,857,566.00 18,857,566.00 18,857,565.00 - 18,920,808.00 18,920,808.00 18,920,808.00 221,213,650.00 221,388,530.00
DEI Earnings Per Adjusted Shares Outstanding		 0.12 -0.18 -0.40 -0.33 2.12 - -0.24 -0.23 2.92 0.99 0.20
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -35.32% -29.71% -30.15% -20.19% 199.49% -205.58% 9.02% 14.07% 72.75% 210.78% 39.48%
EBITDA Growth		 -85.86% -104.92% -173.97% 86.13% 1,890.21% -12,287.59% 68.31% 63.10% -26.60% 4,872.56% -10.10%
EBIT Growth		 -94.72% -135.99% -262.90% 78.15% 3,871.37% -2,205.19% 55.01% 40.26% -18.71% 23,358.07% 0.68%
NOPAT Growth		 -88.73% -133.03% -246.13% 78.15% 1,640.48% -2,205.19% 55.01% 40.26% 38.10% 25,776.26% 0.68%
Net Income Growth		 -88.73% -140.22% -248.22% 80.16% 1,640.48% -3,507.11% 40.44% 29.27% 38.10% 7,765.77% 0.68%
EPS Growth		 -88.89% -139.13% -248.15% 80.24% 66.67% -3,527.78% 40.00% 30.30% 30.00% 120.90% -9.09%
Operating Cash Flow Growth		 -54.17% 7.25% 84.79% -205.49% 737.76% -88.22% -186.83% 55.00% -54.66% 52.09% 892.91%
Free Cash Flow Firm Growth		 83.10% 22.30% 88.81% 117.98% 92.35% 215.94% 791.04% 995.99% -1,197.23% -359.49% -198.90%
Invested Capital Growth		 10.83% 39.14% 6.30% -3.42% 2.28% -35.33% -42.87% -36.59% 11.47% 32.69% 79.60%
Revenue Q/Q Growth		 -8.20% -6.95% -9.45% 3.18% 244.47% -222.26% 193.50% 7.97% 421.64% 79.62% -56.40%
EBITDA Q/Q Growth		 112.91% -116.56% -893.44% 34.70% 1,952.42% -1,446.02% 97.46% 23.97% 3,785.37% 350.46% -77.79%
EBIT Q/Q Growth		 103.81% -387.12% -163.25% 24.21% 793.24% -874.40% 94.86% -0.63% 1,043.34% 529.66% -78.21%
NOPAT Q/Q Growth		 108.95% -222.34% -163.25% 24.21% 813.02% -874.40% 94.86% -0.63% 1,748.22% 297.84% -79.91%
Net Income Q/Q Growth		 107.30% -248.98% -119.27% 16.79% 740.33% -1,593.59% 96.38% 1.19% 1,350.25% 297.84% -79.91%
EPS Q/Q Growth		 107.19% -250.00% -122.22% 17.50% 160.61% -1,574.36% 96.32% 4.17% 213.04% 469.23% -86.49%
Operating Cash Flow Q/Q Growth		 42.96% -67.72% -182.44% -177.26% 1,235.37% 106.43% -2,107.31% 56.50% 1,243.84% 1.75% -89.99%
Free Cash Flow Firm Q/Q Growth		 48.29% -181.38% 75.14% 149.71% -121.99% 1,347.45% 48.17% -21.16% -126.03% -113.45% -134.52%
Invested Capital Q/Q Growth		 -4.55% -3.54% 13.48% -7.56% 1.08% -39.00% 0.24% 2.60% 77.68% 3.04% -4.39%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 8.77% -1.56% -17.12% -10.83% 58.26% 0.00% -4.98% -3.50% 24.76% 62.09% 31.62%
EBIT Margin		 2.83% -8.73% -25.38% -18.64% 37.52% 0.00% -10.47% -9.76% 17.66% 61.89% 30.93%
Profit (Net Income) Margin		 4.65% -7.44% -18.02% -14.53% 27.01% 0.00% -9.84% -9.01% 21.59% 47.83% 22.04%
Tax Burden Percent		 164.28% 85.24% 71.00% 77.95% 72.00% 133.38% 93.98% 92.28% 122.31% 77.28% 71.26%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 -64.28% 0.00% 0.00% 0.00% 28.00% 0.00% 0.00% 0.00% -22.31% 22.72% 28.74%
Return on Invested Capital (ROIC)		 0.43% -0.59% -1.23% -0.88% 2.86% 0.00% -0.26% -0.27% 1.48% 14.44% 8.39%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.43% -0.63% -1.23% -0.91% 2.86% 0.00% -0.32% -0.33% 1.48% 14.44% 8.39%
Return on Net Nonoperating Assets (RNNOA)		 1.58% -1.84% -4.94% -3.73% 11.59% 0.00% -1.24% -1.22% 1.03% 0.54% 3.56%
Return on Equity (ROE)		 2.01% -2.43% -6.17% -4.60% 14.45% 0.00% -1.50% -1.50% 2.52% 14.98% 11.95%
Cash Return on Invested Capital (CROIC)		 -10.77% -33.80% -7.37% 2.92% -1.38% 38.82% 50.98% 41.16% -13.88% -18.18% -45.23%
Operating Return on Assets (OROA)		 0.07% -0.19% -0.50% -0.36% 1.12% 0.00% -0.10% -0.10% 0.21% 2.58% 1.83%
Return on Assets (ROA)		 0.11% -0.17% -0.36% -0.28% 0.81% 0.00% -0.09% -0.09% 0.26% 1.99% 1.31%
Return on Common Equity (ROCE)		 2.01% -2.43% -6.17% -4.60% 14.45% 0.00% -1.50% -1.50% 2.52% 14.98% 11.95%
Return on Equity Simple (ROE_SIMPLE)		 -3.10% 0.00% -7.60% -2.86% 4.23% 0.00% -35.26% -34.61% -4.48% 0.00% 9.53%
Net Operating Profit after Tax (NOPAT)		 2.30 -2.81 -7.39 -5.60 40 -65 -3.33 -3.35 55 219 44
NOPAT Margin		 4.65% -6.11% -17.77% -13.05% 27.01% 0.00% -7.33% -6.83% 21.59% 47.83% 22.04%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.04% 0.00% 0.03% 0.00% 3.67% 0.06% 0.06% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 80.78% 87.35% 98.03% 93.94% 43.39% 0.00% 85.47% 78.26% 29.37% 31.98% 47.67%
Operating Expenses to Revenue		 99.42% 107.76% 125.38% 118.64% 57.92% 0.00% 108.27% 97.51% 63.94% 45.63% 65.19%
Earnings before Interest and Taxes (EBIT)		 1.40 -4.01 -11 -8.00 55 -92 -4.75 -4.78 45 284 62
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.33 -0.72 -7.12 -4.65 86 -89 -2.26 -1.72 63 285 63
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.29 0.36 0.54 0.41 0.00 0.54 0.55 0.61 0.09 1.10 1.17
Price to Tangible Book Value (P/TBV)		 0.29 0.37 0.55 0.42 0.00 0.55 0.56 0.62 0.14 1.74 1.87
Price to Revenue (P/Rev)		 0.63 0.93 1.49 1.20 0.00 2.84 2.80 2.89 1.30 3.89 3.77
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.85 12.27
Dividend Yield		 11.73% 6.31% 4.32% 5.70% 0.00% 0.00% 0.00% 0.00% 0.00% 1.48% 4.14%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 8.44% 8.15%
Enterprise Value to Invested Capital (EV/IC)		 0.78 0.78 0.80 0.80 0.00 0.64 0.74 0.79 0.00 0.76 1.00
Enterprise Value to Revenue (EV/Rev)		 8.83 9.33 11.97 11.72 0.00 13.66 15.04 15.34 0.00 2.86 3.36
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.71 8.64
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.23 9.10
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.70 10.94
Enterprise Value to Operating Cash Flow (EV/OCF)		 273.01 242.75 44.09 224.22 0.00 0.00 0.00 0.00 0.00 11.94 14.10
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 26.91 0.00 1.29 1.05 1.48 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 4.17 3.66 4.40 4.06 3.94 3.09 3.06 3.14 0.07 0.07 0.05
Long-Term Debt to Equity		 0.45 0.42 0.43 0.43 0.42 0.57 0.56 0.56 0.07 0.07 0.05
Financial Leverage		 3.69 2.92 4.01 4.11 4.05 3.42 3.82 3.66 0.70 0.04 0.42
Leverage Ratio		 17.56 17.04 17.52 17.91 17.93 18.73 18.60 18.28 9.63 7.52 9.15
Compound Leverage Factor		 17.56 17.04 17.52 17.91 17.93 18.73 18.60 18.28 9.63 7.52 9.15
Debt to Total Capital		 80.67% 78.53% 81.47% 80.23% 79.76% 75.53% 75.35% 75.84% 6.41% 6.29% 4.41%
Short-Term Debt to Total Capital		 72.03% 69.57% 73.57% 71.68% 71.30% 61.65% 61.50% 62.34% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 8.64% 8.96% 7.90% 8.55% 8.46% 13.88% 13.85% 13.51% 6.41% 6.29% 4.41%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 19.33% 21.47% 18.53% 19.77% 20.24% 24.47% 24.65% 24.16% 93.59% 93.71% 95.59%
Debt to EBITDA		 -419.37 -97.11 -62.61 -258.63 28.79 -11.52 -12.07 -12.84 -1.57 0.56 0.38
Net Debt to EBITDA		 -374.04 -86.48 -53.96 -231.83 26.00 -7.70 -9.59 -10.80 10.31 -2.43 -1.05
Long-Term Debt to EBITDA		 -44.92 -11.08 -6.07 -27.56 3.05 -2.12 -2.22 -2.29 -1.57 0.56 0.38
Debt to NOPAT		 -170.27 -85.90 -66.52 -142.41 93.07 -14.52 -15.26 -16.21 -2.23 0.72 0.48
Net Debt to NOPAT		 -151.86 -76.50 -57.33 -127.65 84.03 -9.70 -12.12 -13.64 14.68 -3.15 -1.33
Long-Term Debt to NOPAT		 -18.24 -9.80 -6.45 -15.18 9.87 -2.67 -2.81 -2.89 -2.23 0.72 0.48
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -252 -708 -176 88 -19 821 1,217 959 -250 -533 -1,250
Operating Cash Flow to CapEx		 4,649.53% 831.82% -129.50% -7,526.30% 0.00% 0.00% -42,456.60% -10,195.83% 3,895.58% 3,264.27% 431.89%
Free Cash Flow to Firm to Interest Expense		 -4.07 -10.69 -2.50 1.23 -0.31 11.82 23.16 19.51 -4.22 -8.19 -19.88
Operating Cash Flow to Interest Expense		 0.48 0.14 -0.11 -0.30 4.04 0.02 -0.43 -0.20 1.89 1.75 0.18
Operating Cash Flow Less CapEx to Interest Expense		 0.47 0.13 -0.20 -0.31 4.08 0.10 -0.43 -0.20 1.84 1.70 0.14
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.02 0.03 0.01 0.01 0.01 0.01 0.04 0.06
Fixed Asset Turnover		 4.31 3.98 3.42 3.43 5.41 1.50 1.56 1.81 2.00 6.19 9.16
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,600 2,508 2,846 2,631 2,659 1,622 1,626 1,668 2,964 3,054 2,920
Invested Capital Turnover		 0.09 0.10 0.07 0.07 0.11 0.04 0.04 0.04 0.07 0.30 0.38
Increase / (Decrease) in Invested Capital		 254 706 169 -93 59 -886 -1,220 -963 305 753 1,294
Enterprise Value (EV)		 2,015 1,948 2,282 2,107 0.00 1,034 1,195 1,312 -1,001 2,311 2,911
Market Capitalization		 144 194 284 215 0.00 215 222 247 252 3,149 3,265
Book Value per Share		 $26.74 $28.62 $27.96 $27.58 $28.55 $21.05 $21.18 $21.30 $146.62 $12.94 $12.61
Tangible Book Value per Share		 $26.18 $28.11 $27.49 $27.14 $28.13 $20.67 $20.83 $20.97 $94.48 $8.17 $7.87
Total Capital		 2,600 2,508 2,846 2,631 2,659 1,622 1,626 1,668 2,964 3,054 2,920
Total Debt		 2,098 1,970 2,319 2,111 2,121 1,225 1,225 1,265 190 192 129
Total Long-Term Debt		 225 225 225 225 225 225 225 225 190 192 129
Net Debt		 1,871 1,754 1,999 1,892 1,915 819 973 1,064 -1,253 -838 -355
Capital Expenditures (CapEx)		 0.63 1.14 6.06 0.29 -2.44 -5.94 0.05 0.10 2.87 3.49 2.64
Net Nonoperating Expense (NNE)		 0.00 0.61 0.11 0.64 0.00 59 1.14 1.07 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 2,098 1,970 2,319 2,111 2,121 1,225 1,225 1,265 190 192 129
Total Depreciation and Amortization (D&A)		 2.93 3.29 3.44 3.35 31 3.64 2.49 3.07 18 0.90 1.39
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.12 ($0.18) ($0.40) ($0.33) ($0.39) ($6.53) ($0.24) ($0.23) $0.26 $1.48 $0.20
Adjusted Weighted Average Basic Shares Outstanding		 18.79M 18.78M 18.86M 18.86M 18.86M 18.86M 18.92M 18.92M 208.30M 208.63M 222.16M
Adjusted Diluted Earnings per Share		 $0.12 ($0.18) ($0.40) ($0.33) ($0.39) ($6.53) ($0.24) ($0.23) $0.26 $1.48 $0.20
Adjusted Weighted Average Diluted Shares Outstanding		 18.79M 18.78M 18.86M 18.86M 18.86M 18.86M 18.92M 18.92M 208.37M 208.73M 222.32M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 18.81M 18.86M 18.86M 18.86M 18.86M 18.92M 18.92M 18.92M 221.21M 221.39M 221.40M
Normalized Net Operating Profit after Tax (NOPAT)		 0.98 -2.81 -7.39 -5.60 40 -65 -3.33 -3.35 76 219 48
Normalized NOPAT Margin		 1.98% -6.11% -17.77% -13.05% 27.01% 0.00% -7.33% -6.83% 29.86% 47.83% 23.75%
Pre Tax Income Margin		 2.83% -8.73% -25.38% -18.64% 37.52% 0.00% -10.47% -9.76% 17.66% 61.89% 30.93%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.02 -0.06 -0.15 -0.11 0.91 -1.33 -0.09 -0.10 0.76 4.36 0.98
NOPAT to Interest Expense		 0.04 -0.04 -0.11 -0.08 0.65 -0.93 -0.06 -0.07 0.93 3.37 0.70
EBIT Less CapEx to Interest Expense		 0.01 -0.08 -0.24 -0.12 0.95 -1.25 -0.09 -0.10 0.71 4.31 0.94
NOPAT Less CapEx to Interest Expense		 0.03 -0.06 -0.19 -0.08 0.69 -0.85 -0.06 -0.07 0.88 3.32 0.66
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 -108.26% -44.78% 0.00% 0.00% 424.95% 0.00% 0.00% 0.00% 76.44% 18.27% 53.05%
Augmented Payout Ratio		 -108.26% -44.78% 0.00% 0.00% 424.95% 0.00% 0.00% 0.00% 76.44% 18.27% 53.05%

Financials Breakdown Chart

Key Financial Trends

The data provided covers multiple quarters across 2023–2025 for HomeStreet, Inc. (ticker MCHB). Below is a concise, investor‑focused read on notable trends over the last four years, focusing on what may matter most to retail investors. The bullets are organized to highlight positives first, then neutral points, then potential negatives.

  • Strong Q4 2025 profitability: Net Income / (Loss) Continuing Operations = $219.46 million; Basic and Diluted EPS = $1.48. This marks a very solid quarterly bottom line and per‑share performance.
  • Revenue surge in Q4 2025: Total Revenue = $458.85 million, up markedly from the prior quarter (Q3 2025: $255.45 million), signaling meaningful top‑line momentum.
  • Robust quarterly pre‑tax and post‑tax results: Total Pre‑Tax Income = $283.98 million and Net Income after taxes = $219.46 million, implying a tax rate in the 22–23% range for the quarter (roughly $64.5 million in taxes).
  • Healthy quarterly operating cash flow: Net Cash From Continuing Operating Activities = $113.92 million in Q4 2025, indicating solid cash generation from core operations.
  • Diversified non‑interest income mix in Q4 2025: Total Non‑Interest Income = $85.89 million with Net Realized & Unrealized Capital Gains on Investments = $53.06 million, highlighting earnings diversification beyond net interest income.
  • Credit quality signals remain elevated but manageable: Provision for Credit Losses in 2025 quarters remained elevated (Q3: $47.02 million; Q4: $34.50 million), suggesting ongoing credit risk management rather than an acute deterioration.
  • Balance sheet expansion underway: Total Assets grew from about $7.6B (Q2 2025) to roughly $22.7B (Q3 2025), signaling substantial balance sheet growth and scale, though the pace warrants monitoring.
  • Liquidity movements observed via deposits: Net Change in Deposits was materially negative in late 2025 (around −$427.6 million), indicating sizable liquidity repositioning that could impact near‑term funding dynamics.
  • Financing activity shows deleveraging pressure: Net Cash From Financing Activities was negative in Q4 2025 (−$476.17 million), pointing to debt repayments and other financing actions affecting cash flow.
  • Near‑term profitability volatility earlier in 2025: Earlier quarters (Q1 2025 and Q2 2025) showed negative quarterly earnings per share (Q1: −$0.24; Q2: −$0.23) and occasional negative cash flow from operations, suggesting a softer start to 2025 before the late‑year rebound.

Investor takeaway: The late‑2025 results imply a strong, cash‑generative quarter with a robust bottom line and revenue acceleration. However, elevated credit losses, deposit volatility, and financing activity suggest a need to watch credit quality, liquidity management, and funding sources going forward. The substantial year‑to‑quarter asset growth also warrants attention to ensure sustainable capital adequacy and risk management as the balance sheet expands.

05/25/26 10:06 PM ETAI Generated. May Contain Errors.

Mechanics Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Mechanics Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Mechanics Bancorp's net income appears to be on an upward trend, with a most recent value of $265.74 million in 2025, rising from $41.32 million in 2015. The previous period was $29.00 million in 2024. See Mechanics Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Mechanics Bancorp's total revenue changed from $429.58 million in 2015 to $808.62 million in 2025, a change of 88.2%.

Mechanics Bancorp's total liabilities were at $19.49 billion at the end of 2025, a 37.4% increase from 2024, and a 340.0% increase since 2015.

In the past 10 years, Mechanics Bancorp's cash and equivalents has ranged from $32.68 million in 2015 to $1.03 billion in 2025, and is currently $1.03 billion as of their latest financial filing in 2025.

Over the last 10 years, Mechanics Bancorp's book value per share changed from 21.08 in 2015 to 12.94 in 2025, a change of -38.6%.


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Financial statements for NASDAQ:MCHB last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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