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
- –
Mechanics Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Market Cap | $3.15B | $679.86M |
| Enterprise Value | $2.68B | $408.94M |
| PE Ratio | 11.12 | 12.00 |
| PS Ratio | 59.33 | 3.61 |
| PB Ratio | 1.17 | 1.18 |
| P/TBV Ratio | 1.80 | 1.41 |
| P/FCF Ratio | 17.15 | 10.93 |
| P/OCF Ratio | 16.23 | 10.04 |
Enterprise value
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| EV / Sales | 50.41 | 2.78 |
| EV / FCF | 14.57 | 8.25 |
Income (trailing twelve months)
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Revenue | $53.11M | $170.85M |
| Pretax Income | $340.19M | $70.12M |
| Net Income | $281.25M | $54.33M |
| EPS (Diluted) | $1.28 | $2.90 |
Margins
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 640.6% | 36.4% |
| Profit Margin | 529.6% | 29.1% |
| FCF Margin | 346.0% | 33.0% |
Returns
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 11.0% | 10.5% |
| Return on Assets (ROA) | 1.95% | 1.12% |
Growth
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 10.9% | 11.8% |
| Net Income Growth (YoY) | 58.1% | 23.1% |
| FCF Growth (YoY) | -52.1% | 27.1% |
| Revenue Growth (3Y CAGR) | -44.1% | 5.82% |
| Revenue Growth (5Y CAGR) | -32.6% | 6.17% |
| EPS Growth (3Y CAGR) | 57.2% | 1.26% |
| EPS Growth (5Y CAGR) | 31.3% | 8.24% |
Balance sheet
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $553.92M | $205.54M |
| Total Debt | $80.00M | $177.19M |
| Net Cash (Debt) | $473.92M | $164.40M |
| Net Cash Per Share | $2.14 | $8.13 |
| Equity (Book Value) | $2.69B | $560.44M |
| Book Value Per Share | $12.15 | $28.47 |
| Tangible Book Value | $1.75B | $472.29M |
Financial position
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Debt / Equity | 0.03 | 0.20 |
| Debt / FCF | 0.44 | 1.81 |
Cash flow (trailing twelve months)
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $194.08M | $61.20M |
| Capital Expenditures | -$10.34M | -$4.02M |
| Free Cash Flow | $183.74M | $52.43M |
| FCF Per Share | $0.83 | $3.07 |
Efficiency
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.00 | 0.04 |
| Revenue Per Employee | $26.94K | $353.78K |
| Profits Per Employee | $142.70K | $107.28K |
| Employee Count | 1,971 | 489 |
Dividends and yields
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 8.93% | 8.07% |
| FCF Yield | 5.83% | 8.89% |
| Payout Ratio | 107.8% | 29.4% |
| FCF Payout Ratio | 165.0% | 26.0% |
Shares
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 221,427,000 | 18,839,100 |
| Shares Change (YoY) | 8.29% | 0.39% |
| Float | 39,224,400 | 17,061,900 |
| Shares Held by Insiders | 82.3% | 5.89% |
| Shares Held by Institutions | 11.1% | 61.9% |
Taxes
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Income Tax | $58.93M | $14.50M |
| Effective Tax Rate | 17.3% | 21.1% |
Scores
| Measure | Mechanics Bancorp | Industry median |
|---|---|---|
| Graham Number | $18.70 | $45.31 |
| Graham Upside | 31.4% | 21.6% |
| Altman Z-Score | 0.12 | 0.21 |
| Piotroski F-Score | 4 | 6 |
Calculated by StockData from Mechanics Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.