What is Mechanics Bancorp's earnings per share (EPS)?

Mechanics Bancorp (MCHB) reported diluted earnings per share of $1.27 for fiscal year 2025. This represents a 807.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Mechanics Bancorp Financials

MCHB

FY2025 annual

Revenue $49.7M +3.3% YoY

Net Income $265.7M +284.1% YoY

EPS (Diluted) $1.27 +807.1% YoY

Free Cash Flow $187.1M -34.6% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Mechanics Bancorp (MCHB) reported $49.7M in revenue for fiscal year 2025, up 3.3% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI MCHB FY2025 2026-08-15

A balance-sheet-heavy institution shows improving reported leverage, but cash generation trails the scale of asset expansion.

Assets expanded from $16.5B in FY2024 to $22.4B in FY2025. Yet operating cash flow moved the opposite way, from $292M to $194M, making the larger balance sheet a weaker indicator of operating momentum than cash generation.

Reported debt-to-equity dropped from 6.2x in FY2024 to 0.1x in FY2025, marking a major shift in the financing mix rather than a steady leverage trend. Returns also diverged: ROA was 1.2% versus ROE of 9.3%, meaning equity-level performance was much stronger than asset-level productivity.

FY2025 net income of $266M exceeded operating cash flow of $194M, so earnings converted into less cash than the income statement reported. Free cash flow of $187M nearly matched operating cash flow, indicating the gap versus earnings was not primarily caused by reinvestment; it sits closer to earnings quality than capital intensity.

Financial Health Signals

Financial Health Score 34/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Mechanics Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for Mechanics Bancorp, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

3/5

Mechanics Bancorp passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 3 of 4 profitability signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.73x

For every $1 of reported earnings, Mechanics Bancorp generates $0.73 in operating cash flow ($193.6M OCF vs $265.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$49.7M

YoY+3.3%

5Y CAGR-27.7%

10Y CAGR-11.3%

Mechanics Bancorp generated $49.7M in revenue in fiscal year 2025. This represents an increase of 3.3% from the prior year.

Net Income

$265.7M

YoY+284.1%

5Y CAGR+27.1%

10Y CAGR+20.5%

Mechanics Bancorp reported $265.7M in net income in fiscal year 2025. This represents an increase of 284.1% from the prior year.

EPS (Diluted)

$1.27

YoY+807.1%

5Y CAGR-18.2%

10Y CAGR-4.2%

Mechanics Bancorp earned $1.27 per diluted share (EPS) in fiscal year 2025. This represents an increase of 807.1% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$187.1M

YoY-34.6%

Mechanics Bancorp generated $187.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 34.6% from the prior year.

Cash & Debt

$1.0B

YoY+3.0%

5Y CAGR+77.7%

10Y CAGR+41.2%

Mechanics Bancorp held $1.0B in cash against $192.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

Not reported for fiscal year 2025.

Shares Outstanding

Not reported for fiscal year 2025.

Margins & Returns

Return on Equity

9.3%

YoY+15.6pp

5Y CAGR-1.9pp

10Y CAGR+0.4pp

Mechanics Bancorp's ROE was 9.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 15.6 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

Capital Expenditures

$6.5M

YoY+2.2%

5Y CAGR+14.6%

10Y CAGR-10.9%

Mechanics Bancorp invested $6.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 2.2% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

MCHB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

MCHB annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$53.1M	$49.7M+3.3%	$48.1M-88.0%	$399.7M+31.4%	$304.3M+24.6%	$244.3M-3.1%	$252.0M-9.2%	$277.6M+10.4%	$251.5M+18.4%	$212.3M+1.3%	$209.5M+26.9%	$165.1M+48.4%	$111.3M+25.1%	$89.0M+10.3%	$80.7M+1.9%	$79.2M
SG&A Expenses	$331.2M	$219.3M+489.6%	$37.2M-4.1%	$38.8M+9.7%	$35.4M+12.0%	$31.6M-5.8%	$33.5M+3.0%	$32.5M-5.1%	$34.3M-9.2%	$37.8M-40.2%	$63.2M+11.2%	$56.8M+36.1%	$41.7M+3.4%	$40.4M+45.0%	$27.8M+50.6%	$18.5M
Interest Expense	$256.6M	$226.0M+4.4%	$216.5M-7.1%	$233.0M+228.2%	$71.0M+311.8%	$17.2M-60.2%	$43.4M-50.9%	$88.2M+43.4%	$61.5M+62.8%	$37.8M+28.1%	$29.5M+75.8%	$16.8M+32.9%	$12.6M-13.1%	$14.5M-27.2%	$19.9M-35.0%	$30.7M
Income Tax	$58.9M	$53.8M+703.4%	$6.7M+227.6%	-$5.2M-129.0%	$18.1M-42.0%	$31.3M+42.7%	$21.9M+174.2%	$8.0M+293.1%	$2.0M+112.0%	-$16.9M-151.8%	$32.6M+109.3%	$15.6M+41.0%	$11.1M+0.6%	$11.0M-49.0%	$21.5M+10168.2%	-$214K
Net Income	$281.3M	$265.7M+284.1%	-$144.3M-424.7%	-$27.5M-141.3%	$66.5M-42.4%	$115.4M+44.3%	$80.0M+356.8%	$17.5M-56.2%	$40.0M-41.9%	$68.9M+18.6%	$58.2M+40.7%	$41.3M+85.6%	$22.3M-6.5%	$23.8M-71.0%	$82.1M+409.5%	$16.1M
EPS (Diluted)	—	$1.27+807.1%	$0.14+109.6%	-$1.46-141.8%	$3.49-36.1%	$5.46+57.3%	$3.47+433.8%	$0.65-55.8%	$1.47-42.1%	$2.54+8.5%	$2.34+19.4%	$1.96+31.5%	$1.49-7.5%	$1.61-73.1%	$5.98	$2.80

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$13.6M+4.6%	$13.0M-7.4%	$14.1M+13.2%	$12.4M+5.7%	$11.7M+2.1%	$11.5M	N/A	$12.3M
SG&A Expenses	$63.1M-8.0%	$68.5M-52.8%	$145.4M+168.4%	$54.2M+474.5%	$9.4M-8.8%	$10.3M	N/A	$9.7M
Interest Expense	$60.8M-3.4%	$62.9M-14.6%	$73.7M+24.4%	$59.2M+23.3%	$48.0M+6.4%	$45.1M	N/A	$61.1M
Income Tax	$21.6M+21.3%	$17.8M-40.0%	$29.6M+394.7%	-$10.1M-160.8%	$16.6M-6.3%	$17.7M	N/A	$15.5M
Net Income	$57.7M+30.9%	$44.1M-64.5%	$124.3M+125.3%	$55.2M+29.8%	$42.5M-3.0%	$43.8M	N/A	$39.9M
EPS (Diluted)	$0.26+30.0%	$0.20	N/A	$0.26+23.8%	$0.21-4.5%	$0.22	N/A	$0.20

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

MCHB Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

MCHB annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$22.4B+35.5%	$16.5B+75.6%	$9.4B+0.3%	$9.4B+30.0%	$7.2B-0.5%	$7.2B+6.2%	$6.8B-3.3%	$7.0B+4.5%	$6.7B+8.0%	$6.2B+27.6%	$4.9B+38.5%	$3.5B+15.3%	$3.1B+16.5%	$2.6B+16.2%	$2.3B
Cash & Equivalents	$1.0B+3.0%	$999.7M+363.6%	$215.7M+196.1%	$72.8M+11.7%	$65.2M+12.3%	$58.0M+0.3%	$57.9M-0.2%	$58.0M-20.3%	$72.7M+34.8%	$53.9M+65.0%	$32.7M+7.2%	$30.5M-10.0%	$33.9M+34.1%	$25.3M-90.4%	$263.3M
Goodwill	$843.3M0.0%	$843.3M	$0-100.0%	$27.9M	N/A	N/A	$28.5M+26.3%	$22.6M0.0%	$22.6M+1.8%	$22.2M+92.5%	$11.5M-3.5%	$11.9M-1.0%	$12.1M+2745.0%	$424K	N/A
Total Liabilities	$19.5B+37.4%	$14.2B+60.2%	$8.9B+0.6%	$8.8B+35.7%	$6.5B-0.5%	$6.5B+6.3%	$6.1B-2.7%	$6.3B+4.4%	$6.0B+7.5%	$5.6B+26.8%	$4.4B+37.0%	$3.2B+15.5%	$2.8B+18.3%	$2.4B+8.7%	$2.2B
Long-Term Debt	$192.0M	N/A	$224.8M+0.2%	$224.4M+78.1%	$126.0M+0.1%	$125.8M+0.1%	$125.7M+0.1%	$125.5M+0.2%	$125.3M+0.1%	$125.1M+102.3%	$61.9M0.0%	$61.9M-4.6%	$64.8M+4.7%	$61.9M+0.1%	$61.9M
Total Equity	$2.9B+24.4%	$2.3B+3.0%	$2.2B+297.7%	$562.1M-21.4%	$715.3M-0.3%	$717.8M+5.6%	$679.7M-8.1%	$739.5M+5.0%	$704.4M+11.9%	$629.3M+35.2%	$465.3M+53.9%	$302.2M+13.7%	$265.9M+0.8%	$263.8M+205.3%	$86.4M
Retained Earnings	$456.7M+90.7%	$239.5M-39.4%	$395.4M-9.1%	$435.1M-2.1%	$444.3M+10.0%	$403.9M+7.8%	$374.7M-9.1%	$412.0M+10.8%	$372.0M+22.8%	$303.0M+23.7%	$244.9M+20.3%	$203.6M+11.3%	$182.9M+11.6%	$163.9M+100.5%	$81.7M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$21.2B-0.7%	$21.4B-4.3%	$22.4B-1.6%	$22.7B+198.4%	$7.6B-2.5%	$7.8B-52.7%	$16.5B+79.2%	$9.2B
Cash & Equivalents	$553.9M+14.6%	$483.5M-53.1%	$1.0B-28.6%	$1.4B+617.4%	$201.1M-20.3%	$252.2M-74.8%	$999.7M+385.6%	$205.9M
Goodwill	$843.3M0.0%	$843.3M0.0%	$843.3M0.0%	$843.3M	N/A	N/A	$843.3M	N/A
Total Liabilities	$18.5B-0.3%	$18.6B-4.6%	$19.5B-2.2%	$19.9B+283.9%	$5.2B-4.4%	$5.4B-61.7%	$14.2B+63.8%	$8.7B
Long-Term Debt	$130.4M+1.2%	$128.8M-32.9%	$192.0M+1.0%	$190.1M-15.6%	$225.3M0.0%	$225.2M	$0	$0
Total Equity	$2.7B-3.6%	$2.8B-2.5%	$2.9B+3.2%	$2.8B+14.8%	$2.4B+1.8%	$2.4B+3.1%	$2.3B+0.1%	$2.3B
Retained Earnings	$303.0M-25.7%	$407.9M-10.7%	$456.7M+19.9%	$381.0M+57.3%	$242.1M-1.8%	$246.5M+2.9%	$239.5M-36.0%	$374.3M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

MCHB Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

MCHB annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$194.1M	$193.6M-33.8%	$292.3M+3542.4%	$8.0M-96.3%	$218.3M+26.2%	$173.0M+777.4%	-$25.5M-109.9%	$258.8M-9.5%	$286.0M+79.5%	$159.3M+455.7%	-$44.8M-639.0%	$8.3M+102.4%	-$348.6M-214.7%	$304.0M+177.6%	-$391.9M-536.8%	$89.7M
Capital Expenditures	$10.3M	$6.5M+2.2%	$6.4M+67.2%	$3.8M-43.8%	$6.8M+130.7%	$2.9M-10.8%	$3.3M+46.1%	$2.3M-76.8%	$9.7M-77.0%	$42.3M+72.7%	$24.5M+19.1%	$20.6M+3.3%	$19.9M-12.9%	$22.8M+100.3%	$11.4M+548.6%	$1.8M
Free Cash Flow	$183.7M	$187.1M-34.6%	$285.9M+6685.9%	$4.2M-98.0%	$211.5M+24.4%	$170.1M+689.7%	-$28.8M-111.2%	$256.6M-7.1%	$276.3M+136.1%	$117.0M+268.9%	-$69.3M-465.6%	-$12.2M+96.7%	-$368.5M-231.1%	$281.2M+169.7%	-$403.3M-558.5%	$88.0M
Investing Cash Flow	$1.2B	$1.5B+224.6%	$476.2M-1.6%	$484.0M+118.2%	-$2.7B-2012.5%	-$125.6M+46.0%	-$232.6M-317.4%	$107.0M+119.0%	-$564.1M-1.4%	-$556.2M+32.1%	-$819.3M-95.8%	-$418.3M-396.6%	-$84.2M+81.7%	-$459.9M-347.1%	-$102.9M-131.0%	$331.9M
Financing Cash Flow	-$2.9B	-$1.7B-39.4%	-$1.2B-251.1%	-$349.2M-114.3%	$2.4B+6173.4%	-$40.2M-115.6%	$258.3M+170.5%	-$366.6M-239.5%	$262.7M-36.6%	$414.4M-53.2%	$885.3M+114.8%	$412.2M-4.0%	$429.5M+161.1%	$164.5M-35.9%	$256.7M+211.2%	-$230.9M
Dividends Paid	$303.1M	$48.6M-48.9%	$95.0M+671.2%	$12.3M-54.1%	$26.8M+25.8%	$21.3M+53.9%	$13.9M	$0	$0	N/A	$0	$0-100.0%	$1.6M	$0	$0	N/A
Share Buybacks	N/A	N/A	N/A	$0-100.0%	$75.0M-10.9%	$84.2M+45.1%	$58.0M-41.1%	$98.5M	$0-100.0%	$45K	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$52.8M+363.0%	$11.4M-90.0%	$113.9M+613.5%	$16.0M-75.5%	$65.1M+4629.9%	-$1.4M-101.9%	$74.9M-69.7%	$247.0M
Capital Expenditures	$3.1M+19.1%	$2.6M-24.4%	$3.5M+227.7%	$1.1M-27.1%	$1.5M+194.0%	$497K-79.8%	$2.5M+1.0%	-$2.4M
Free Cash Flow	$49.6M+466.6%	$8.8M-92.1%	$110.4M+641.1%	$14.9M-76.6%	$63.7M+3390.9%	-$1.9M-102.7%	$72.4M-70.4%	$244.5M
Investing Cash Flow	$252.8M-33.8%	$381.8M+857.3%	-$50.4M-108.3%	$607.5M-50.7%	$1.2B+604.5%	-$244.4M-207.8%	-$79.4M-118.4%	$432.6M
Financing Cash Flow	-$235.2M+75.0%	-$939.7M-97.3%	-$476.2M+62.2%	-$1.3B-7155.7%	-$17.4M-139.1%	$44.4M+125.5%	-$174.0M+81.9%	-$962.0M
Dividends Paid	$162.0M+75.0%	$92.6M+90.6%	$48.6M	$0	$0	$0	$0-100.0%	$95.0M

MCHB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

MCHB annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	534.4%	-299.9%	-6.9%-28.7pp	21.9%-25.4pp	47.3%+15.5pp	31.7%+25.4pp	6.3%-9.6pp	15.9%-16.5pp	32.5%+4.7pp	27.8%+2.7pp	25.0%+5.0pp	20.0%-6.8pp	26.8%	101.8%	20.3%
Return on Equity	9.3%+15.6pp	-6.3%-5.0pp	-1.2%-13.1pp	11.8%-4.3pp	16.1%+5.0pp	11.1%+8.6pp	2.6%-2.8pp	5.4%-4.4pp	9.8%+0.6pp	9.2%+0.4pp	8.9%+1.5pp	7.4%-1.6pp	8.9%-22.2pp	31.1%+12.5pp	18.6%
Return on Assets	1.2%+2.1pp	-0.9%-0.6pp	-0.3%-1.0pp	0.7%-0.9pp	1.6%+0.5pp	1.1%+0.9pp	0.3%-0.3pp	0.6%-0.5pp	1.0%+0.1pp	0.9%+0.1pp	0.8%+0.2pp	0.6%-0.1pp	0.8%-2.3pp	3.1%+2.4pp	0.7%
Debt-to-Equity	0.07-6.1x	6.16+6.1x	0.10-0.3x	0.40+0.2x	0.180.0x	0.180.0x	0.180.0x	0.170.0x	0.180.0x	0.20+0.1x	0.13-0.1x	0.200.0x	0.240.0x	0.23-0.5x	0.72
FCF Margin	376.2%	594.0%	1.1%-68.5pp	69.5%-0.1pp	69.6%+81.1pp	-11.5%-103.9pp	92.4%	109.9%	55.1%+88.2pp	-33.1%-25.6pp	-7.4%	-331.1%	316.0%	-499.8%	111.1%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	423.9%	338.7%	884.0%	444.2%	361.6%	380.8%	N/A	325.0%
Return on Equity	2.1%+0.6pp	1.6%-2.8pp	4.3%+2.4pp	2.0%+0.2pp	1.8%-0.1pp	1.8%	N/A	1.7%
Return on Assets	0.3%+0.1pp	0.2%-0.4pp	0.6%+0.3pp	0.2%-0.3pp	0.6%0.0pp	0.6%	N/A	0.4%
Debt-to-Equity	0.050.0x	0.050.0x	0.070.0x	0.070.0x	0.090.0x	0.09+0.1x	0.000.0x	0.00
FCF Margin	364.7%	67.3%	785.3%	120.0%	542.0%	-16.8%	N/A	1989.2%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

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Where Mechanics Bancorp Ranks

Frequently Asked Questions

What is Mechanics Bancorp's annual revenue?

Mechanics Bancorp (MCHB) reported $49.7M in total revenue for fiscal year 2025. This represents a 3.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Mechanics Bancorp's revenue growing?

Mechanics Bancorp (MCHB) revenue grew by 3.3% year-over-year, from $48.1M to $49.7M in fiscal year 2025.

Is Mechanics Bancorp profitable?

Yes, Mechanics Bancorp (MCHB) reported a net income of $265.7M in fiscal year 2025.

How much debt does Mechanics Bancorp have?

As of fiscal year 2025, Mechanics Bancorp (MCHB) had $1.0B in cash and equivalents against $192.0M in long-term debt.

What is Mechanics Bancorp's return on equity (ROE)?

Mechanics Bancorp (MCHB) has a return on equity of 9.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Mechanics Bancorp's free cash flow?

Mechanics Bancorp (MCHB) generated $187.1M in free cash flow during fiscal year 2025. This represents a -34.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Mechanics Bancorp's operating cash flow?

Mechanics Bancorp (MCHB) generated $193.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Mechanics Bancorp's total assets?

Mechanics Bancorp (MCHB) had $22.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Mechanics Bancorp's capital expenditures?

Mechanics Bancorp (MCHB) invested $6.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is Mechanics Bancorp's debt-to-equity ratio?

Mechanics Bancorp (MCHB) had a debt-to-equity ratio of 0.07 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Mechanics Bancorp's return on assets (ROA)?

Mechanics Bancorp (MCHB) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Mechanics Bancorp's Piotroski F-Score?

Mechanics Bancorp (MCHB) has a Piotroski F-Score of 3 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Mechanics Bancorp's earnings high quality?

Mechanics Bancorp (MCHB) has an earnings quality ratio of 0.73x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Mechanics Bancorp?

Mechanics Bancorp (MCHB) scores 34 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.