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Mechanics Bancorp (MCHB)
Financial Services · Banks - Regional · NasdaqGS
Mechanics Bancorp revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $379.25M | $663.16M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $58.15M | $68.95M | $40.03M | $17.51M | $79.99M | $115.42M | $66.54M | $-27.51M | $29.00M | $265.74M |
| Net margin | — | — | — | — | — | — | — | — | 7.6% | 40.1% |
Source: Mechanics Bancorp SEC filings (10-K). 16 years of history available in the interactive view.
What growth is priced into MCHB stock?
At today's market cap of $3.35B, Mechanics Bancorp is priced for free-cash-flow growth of about 6.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $187.08M from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 16 years of Mechanics Bancorp financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Mechanics Bancorp financial history by metric
About Mechanics Bancorp
Mechanics Bancorp operates as the holding company for Mechanics Bank that provides banking services in California, Oregon, Washington, and Hawaii.It offers various checking and savings accounts, retirement accounts, money market accounts, time certificates of deposit, and safe deposit boxes. The company also provides home loans, auto loans, term loans and lines of credit, owner occupied real estate lending services, small business lending loans, multi-family lending services; mortgage and consumer lending loans; commercial real estate loans; residential construction loans; private banking, such as loan program, personal lines of credit and investment management and trust lines of credit. In addition, it offers unsecured consumer installment loans and personal reserve accounts; automated bill payments, remote and mobile deposit capture, automated clearing house origination, wire transfer, lockbox, payee positive pay, and direct deposit; digital banking. Further, the company provides real estate, escrow services, title, labor unions, nonprofits and property management services. Mechanics Bancorp was founded in 1905 and is headquartered in Walnut Creek, California.
Mechanics Bancorp — frequently asked questions
What is Mechanics Bancorp's revenue?
Mechanics Bancorp (MCHB) reported revenue of $663.16M for fiscal year 2025, up 74.9% from the prior year, according to its SEC filings.
Is Mechanics Bancorp profitable?
Yes. MCHB earned net income of $265.74M in fiscal 2025, a net margin of 40.1%.
What is MCHB's P/E ratio?
Mechanics Bancorp trades at a price-to-earnings ratio of about 0.0 based on the latest data in our nightly-refreshed cache.
How much debt does Mechanics Bancorp have?
As of fiscal year 2025, MCHB carried roughly $192.01M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Mechanics Bancorp's market cap?
Mechanics Bancorp (MCHB) has a market capitalization of about $3.35B, based on the latest data in our nightly-refreshed cache.
When does Mechanics Bancorp's fiscal year end?
MCHB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into MCHB stock?
At today's market cap of $3.35B, Mechanics Bancorp is priced for free-cash-flow growth of about 6.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $187.08M from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from Mechanics Bancorp's official SEC filings (10-K and 10-Q), covering 16 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.