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 (MCHB) Financials

MCHB

Trailing 12 months to June 30, 2026

Revenue $916.5M +55.7% YoY

Net Income $281.3M +734.4% YoY

EPS (Diluted) $1.30 +122.0% YoY

Free Cash Flow $183.7M -51.5% YoY

Market Cap $3.3B as of Oct 3, 2026

Price / Sales 3.6x on $916.5M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.7x on $281.3M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $2.7B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MCHB SEC filings page.

Mechanics Bancorp (MCHB) reported $916.5M in revenue over the twelve months to Jun 30, 2026, up 55.7% from the prior twelve months. 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 2026-10-04

2025 restored reported profitability, but cash generation lagged earnings while the balance sheet expanded faster than shareholder equity.

Mechanics Bancorp’s rebound from a $144M net loss in FY2024 to $266M of net income in FY2025 did not fully reach cash. Operating cash flow was $194M and free cash flow was $187M, indicating that earnings conversion was incomplete even though most operating cash remained after capital spending.

The balance sheet grew from $16.5B of assets in FY2024 to $22.4B in FY2025, showing a major expansion of the financial base. With liabilities at $19.5B against $2.9B of equity, that expansion was funded predominantly by obligations rather than retained capital.

Capital intensity is not the main cash drain: FY2025 capital expenditures were only $6.5M, leaving free cash flow close to operating cash flow. Reported profitability returned to a 32.9% net margin, while return on assets was just 1.2%, a combination consistent with a large asset base producing modest returns.

Financial Health Signals

Financial Health Score 35/100

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

Mechanics Bancorp earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.9% the prior year. Earnings ranks banks on that return over three years, and Mechanics Bancorp scores 22/100 among other banks.

Growth

Mechanics Bancorp reported revenue of $808.6M in fiscal year 2025, against $380.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Mechanics Bancorp scores 97/100 among other banks.

Capital

Mechanics Bancorp funded 12.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $2.9B of equity against $22.4B of assets. Capital ranks banks on that cushion, and Mechanics Bancorp scores 65/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Mechanics Bancorp scores 16/100 on it among other banks.

Credit Quality

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

Stability

Mechanics Bancorp reported net income of $265.7M in fiscal year 2025, against a loss of $144.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Mechanics Bancorp scores 7/100 among other banks.

Piotroski F-Score Partial

4/5

Mechanics Bancorp passes 4 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 3 of 4 profitability signals pass, both operating efficiency signals pass.

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

Export CSV

Earnings & Revenue

Revenue

$201.0M

YoY+34.2%

QoQ+0.5%

5Y CAGR+18.4%

10Y CAGR+3.2%

Mechanics Bancorp generated $201.0M in revenue in Q2 2026. This represents an increase of 34.2% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.

Net Income

$57.7M

YoY+35.8%

QoQ+30.9%

5Y CAGR+14.6%

10Y CAGR+10.2%

Mechanics Bancorp reported $57.7M in net income in Q2 2026. This represents an increase of 35.8% from the same quarter a year earlier. Against the prior quarter it is up 30.9%.

EPS (Diluted)

$0.26

YoY+23.8%

QoQ+30.0%

5Y CAGR-28.3%

10Y CAGR-11.4%

Mechanics Bancorp earned $0.26 per diluted share (EPS) in Q2 2026. This represents an increase of 23.8% from the same quarter a year earlier. Against the prior quarter it is up 30.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$49.6M

YoY-22.0%

QoQ+466.6%

5Y CAGR-2.7%

Mechanics Bancorp generated $49.6M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 22.0% from the same quarter a year earlier. Against the prior quarter it is up 466.6%.

Cash & Debt

$553.9M

YoY+175.5%

QoQ+14.6%

5Y CAGR+44.3%

10Y CAGR+28.5%

Mechanics Bancorp held $553.9M in cash against $130.4M in long-term debt as of Q2 2026.

Shares Outstanding

Diluted avg 222M

Mechanics Bancorp had a weighted average of 222M diluted shares in Q2 2026; the shares outstanding count is not reported for that period.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

28.7%

YoY+0.3pp

QoQ+6.7pp

5Y change-5.1pp

10Y change+13.9pp

Mechanics Bancorp's net profit margin was 28.7% in Q2 2026, showing the share of revenue converted to profit. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.7 percentage points.

Return on Equity

2.1%

YoY+0.4pp

QoQ+0.6pp

5Y change-2.0pp

10Y change-1.7pp

Mechanics Bancorp's ROE was 2.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$3.1M

YoY+115.1%

QoQ+19.1%

5Y CAGR+60.4%

10Y CAGR-5.0%

Mechanics Bancorp invested $3.1M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 115.1% from the same quarter a year earlier. Against the prior quarter it is up 19.1%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

MCHB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MCHB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$916.5M	$808.6M+112.8%	$380.0M+82.1%	$208.7M-26.7%	$284.9M-17.9%	$347.0M-3.1%	$358.0M+35.7%	$263.8M+16.5%	$226.5M+4.3%	$217.1M-59.7%	$539.2M+25.5%	$429.6M+51.1%	$284.3M+7.2%	$265.2M-11.2%	$298.8M+105.1%	$145.7M
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 (Basic)	N/A	$1.27+807.1%	$0.14+109.6%	-$1.46-141.6%	$3.51-36.5%	$5.53+58.0%	$3.50+430.3%	$0.66-55.4%	$1.48-42.4%	$2.57+8.9%	$2.36+19.2%	$1.98+32.0%	$1.50-9.1%	$1.65-73.3%	$6.17+107.0%	$2.98
EPS (Diluted)	$1.30	$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
Diluted Shares (Avg)	N/A	209M+3.3%	202M+975.7%	19M-1.4%	19M-9.9%	21M-8.4%	23M-10.5%	26M-5.1%	27M+0.3%	27M+9.0%	25M+18.0%	21M+40.8%	15M+1.1%	15M+7.7%	14M	6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$201.0M+34.2%	$200.1M+39.5%	$260.0M+76.1%	$255.4M+72.7%	$149.8M+248.8%	$143.4M+244.8%	$147.6M+221.3%	$147.9M+199.5%
SG&A Expenses	$63.1M+569.2%	$68.5M+562.8%	$145.4M+2530.4%	$54.2M+459.0%	$9.4M-11.1%	$10.3M-9.1%	$5.5M-41.1%	$9.7M+5.3%
Interest Expense	$60.8M+26.5%	$62.9M+39.4%	$73.7M+442.2%	$59.2M-3.2%	$48.0M-32.8%	$45.1M-35.9%	$13.6M-79.5%	$61.1M-1.0%
Income Tax	$21.6M+30.2%	$17.8M+0.7%	$29.6M+839.2%	-$10.1M-164.8%	$16.6M+1038.1%	$17.7M+676.9%	-$4.0M-577.5%	$15.5M+1830.1%
Net Income	$57.7M+35.8%	$44.1M+0.7%	$124.3M+172.9%	$55.2M+38.1%	$42.5M+781.1%	$43.8M+684.1%	-$170.6M-4888.4%	$39.9M+1640.5%
EPS (Basic)	$0.26+23.8%	$0.20-9.1%	$0.58+108.9%	$0.26+30.0%	$0.21+163.6%	$0.22+155.0%	-$6.54-3533.3%	$0.20+66.7%
EPS (Diluted)	$0.26+23.8%	$0.20-9.1%	$0.58	$0.26+30.0%	$0.21	$0.22	-$6.54-3533.3%	$0.20
Diluted Shares (Avg)	222M+10.1%	222M+10.0%	N/A	208M+3.1%	202M	202M	N/A	202M

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

MCHB Balance Sheet

MCHB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$21.2B+179.0%	$21.4B+174.1%	$22.4B+35.5%	$22.7B+146.8%	$7.6B-17.9%	$7.8B-17.5%	$16.5B+75.6%	$9.2B-2.7%
Cash & Equivalents	$553.9M+175.5%	$483.5M+91.7%	$1.0B+3.0%	$1.4B+600.7%	$201.1M-8.1%	$252.2M-21.3%	$999.7M+363.6%	$205.9M-9.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$843.3M	$843.3M	$843.3M0.0%	$843.3M	N/A	N/A	$843.3M	N/A
Total Liabilities	$18.5B+257.1%	$18.6B+242.5%	$19.5B+37.4%	$19.9B+130.1%	$5.2B-40.6%	$5.4B-39.2%	$14.2B+60.2%	$8.7B-3.3%
Long-Term Debt	$130.4M-42.1%	$128.8M-42.8%	$192.0M	$190.1M	$225.3M+0.2%	$225.2M+0.2%	$0-100.0%	$0-100.0%
Total Equity	$2.7B+11.3%	$2.8B+17.6%	$2.9B+24.4%	$2.8B+20.7%	$2.4B+7.7%	$2.4B+350.2%	$2.3B+3.0%	$2.3B+357.6%
Retained Earnings	$303.0M+25.2%	$407.9M+65.4%	$456.7M+90.7%	$381.0M+1.8%	$242.1M-36.6%	$246.5M-36.4%	$239.5M-39.4%	$374.3M-6.5%

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

MCHB Cash Flow Statement

MCHB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$27.8M+321.8%	$6.6M-7.9%	$7.1M-26.4%	$9.7M-2.0%	$9.9M+5.0%	$9.4M-12.6%	$10.8M-22.3%	$13.9M+3.0%	$13.5M+18.4%	$11.4M+4.6%	$10.9M+47.3%	$7.4M+60.9%	$4.6M+70.4%	$2.7M+35.0%	$2.0M
Stock-Based Compensation	N/A	$5.6M+21.8%	$4.6M+27.1%	$3.6M-12.0%	$4.1M+20.8%	$3.4M+26.2%	$2.7M+1752.1%	-$163K-104.8%	$3.4M+17.7%	$2.9M+38.5%	$2.1M+94.5%	$1.1M-30.1%	$1.5M+1.2%	$1.5M-46.0%	$2.8M+18386.7%	$15K
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$52.8M-19.0%	$11.4M+892.9%	$113.9M+52.1%	$16.0M-93.5%	$65.1M+399.5%	-$1.4M+81.7%	$74.9M+687.2%	$247.0M+737.8%
Depreciation & Amortization	$10.6M	$10.6M+603.4%	$11.0M	$6.8M	N/A	$1.5M-9.3%	N/A	N/A
Stock-Based Compensation	$1.5M+25.0%	$1.3M-48.0%	N/A	N/A	$1.2M	$2.6M+142.8%	N/A	N/A
Capital Expenditures	$3.1M+115.1%	$2.6M+431.2%	$3.5M+41.6%	$1.1M-56.4%	$1.5M+405.5%	$497K-91.8%	$2.5M+115.5%	-$2.4M+284.9%
Free Cash Flow	$49.6M-22.0%	$8.8M+552.8%	$110.4M+52.4%	$14.9M-93.9%	$63.7M+388.9%	-$1.9M+86.1%	$72.4M+765.3%	$244.5M+747.7%
Investing Cash Flow	$252.8M-79.5%	$381.8M+256.2%	-$50.4M+36.5%	$607.5M+40.4%	$1.2B+1317.1%	-$244.4M-778.1%	-$79.4M-186.5%	$432.6M+769.1%
Financing Cash Flow	-$235.2M-1254.7%	-$939.7M-2215.3%	-$476.2M-173.7%	-$1.3B-31.0%	-$17.4M+89.6%	$44.4M-41.9%	-$174.0M-54.9%	-$962.0M-3650.6%
Dividends Paid	$162.0M	$92.6M	$48.6M	$0-100.0%	$0	$0	$0-100.0%	$95.0M+4915.4%

Not reported in any period shown, so not listed: Share Buybacks.

MCHB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MCHB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	32.9%+70.8pp	-38.0%-24.8pp	-13.2%-36.5pp	23.4%-9.9pp	33.3%+10.9pp	22.3%+15.7pp	6.6%-11.0pp	17.7%-14.1pp	31.8%+21.0pp	10.8%+1.2pp	9.6%+1.8pp	7.8%-1.2pp	9.0%-18.5pp	27.5%+16.4pp	11.1%
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
Asset Turnover	0.040.0x	0.020.0x	0.020.0x	0.030.0x	0.050.0x	0.050.0x	0.040.0x	0.030.0x	0.03-0.1x	0.090.0x	0.090.0x	0.080.0x	0.090.0x	0.110.0x	0.06
FCF Margin	23.1%-52.1pp	75.2%+73.2pp	2.0%-72.2pp	74.3%+25.3pp	49.0%+57.1pp	-8.1%-105.3pp	97.3%	122.0%	53.9%+66.8pp	-12.8%-10.0pp	-2.9%	-129.6%	106.0%	-135.0%	60.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	28.7%+0.3pp	22.0%-8.5pp	47.8%	21.6%-5.4pp	28.4%+42.9pp	30.5%+48.6pp	-115.5%	27.0%+22.4pp
Return on Equity	2.1%+0.4pp	1.6%-0.3pp	4.3%+11.7pp	2.0%+0.3pp	1.8%+2.0pp	1.8%+3.3pp	-7.4%-7.3pp	1.7%+1.3pp
Return on Assets	0.3%-0.3pp	0.2%-0.4pp	0.6%+1.6pp	0.2%-0.2pp	0.6%+0.6pp	0.6%+0.6pp	-1.0%-1.0pp	0.4%+0.4pp
Debt-to-Equity	0.050.0x	0.050.0x	0.07+0.1x	0.07+0.1x	0.090.0x	0.09-0.3x	0.00-0.1x	0.00-0.4x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.020.0x	0.020.0x	0.010.0x	0.020.0x
FCF Margin	24.7%-17.8pp	4.4%+5.7pp	42.5%-6.6pp	5.8%	42.5%+93.9pp	-1.4%+32.1pp	49.1%+30.9pp	165.3%

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.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Mechanics Bancorp MCHB	FY2025	$808.6M	$265.7M	32.9%	$3.3B	35/100
First Hawaiian, Inc. FHB	FY2025	$880.8M	$276.3M	31.4%	$3.1B	51/100
WSFS Financial Corp WSFS	FY2025	$1.1B	$287.3M	27.0%	$4.0B	55/100
Community Financial System, Inc. CBU	FY2025	$823.0M	$210.5M	25.6%	$3.2B	58/100
WesBanco Inc WSBC	FY2025	$981.1M	$223.1M	22.7%	$3.7B	58/100

Where Mechanics Bancorp Ranks

Frequently Asked Questions

What is Mechanics Bancorp's annual revenue?

Mechanics Bancorp (MCHB) reported $808.6M in total revenue for fiscal year 2025. This represents a 112.8% 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 112.8% year-over-year, from $380.0M to $808.6M in fiscal year 2025.

Is Mechanics Bancorp profitable?

Yes, Mechanics Bancorp (MCHB) reported a net income of $265.7M in fiscal year 2025, with a net profit margin of 32.9%.

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 net profit margin?

Mechanics Bancorp (MCHB) had a net profit margin of 32.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

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 P/E ratio?

Mechanics Bancorp (MCHB) trades at 11.7x earnings, its market capitalization divided by net income of $281.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $3.3B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Mechanics Bancorp's price-to-sales ratio?

Mechanics Bancorp (MCHB) trades at 3.6x sales, its market capitalization divided by revenue of $916.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $3.3B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Mechanics Bancorp's Piotroski F-Score?

Mechanics Bancorp (MCHB) has a Piotroski F-Score of 4 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 35 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.