MCHBNasdaqState Commercial BanksFiscal year ends December 31
Mechanics Bancorp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$14.23−0.12 (-0.84%)
Close on Oct 19, 2026
- Market cap
- $3.17B
- P/E (TTM)
- 11.1
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
534.4%+512.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +3.3% | -44.1% | -32.6% | +103.4% | |
| Net income | +816.4% | +58.7% | +27.1% | +20.5% | |
| EPS, diluted | +807.1% | +57.2% | +31.3% | +21.3% | |
| Free cash flow | -34.6% | -4.0% | – | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.6% | 11.4% | 10.3% | |
| Return on assets | 1.0% | 1.1% | 1.4% | |
| Capex to revenue | – | 0.9% | 13.1% | |
| Diluted shares | 265M | 246M | 209M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Mechanics Bancorp generated $885.24M from operations and spent $389.63M on capital expenditure, dividends and share buybacks. 7% of that went back into the business.
Generated
$885.24M
Used
$389.63M
Capital expenditure$26.42M7%Dividends$204.06M52%Share buybacks$159.15M41%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin534.4%
×Asset turnover0.00×
×Equity multiplier7.52×
=Return on equity, FY202510.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 534.4% | 0.00× | 7.52× | 10.3% |
| FY2024 | 60.3% | 0.00× | 5.70× | 1.3% |
| FY2023 | -13.2% | 0.02× | 6.70× | -2.0% |
| FY2022 | 23.4% | 0.03× | 12.97× | 10.4% |
| FY2021 | 33.3% | 0.05× | 10.08× | 16.1% |
| FY2020 | 22.3% | 0.05× | 10.05× | 11.4% |
| FY2019 | 6.6% | 0.04× | 9.76× | 2.5% |
| FY2018 | 17.7% | 0.03× | 9.55× | 5.5% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$265.74M
- Cash generatingOperating cash flow above zero$193.59M
- Return on assets improvedROA up on the prior year0.3% → 1.6%
- Earnings backed by cashOperating cash flow above net income$193.59M vs $265.74M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise202M → 209M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.00