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0.26%
Mechanics bank
12.67%
Avg of Sector
0.63%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
Mechanics Bank provides various financial services for individual clients, and small and middle-market businesses. The company offers checking and savings accounts. It also provides home and auto loans; term loans and lines of credit, multi-family lending, commercial real estate loans, owner-occupied real estate loans, equipment financing, and trade services and letters of credit; and small business administration loans. In addition, the company offers credit and debit cards; payable and receivable solutions, fraud prevention, and cash management services; merchant and payroll services, paycheck protection program solutions, and workplace benefit plans; foreign currency, cashier's checks, wire transfers, overdraft, deposit and treasury, trust and estate, investment and asset management, retirement planning, and wealth management services; and online and mobile banking services. It operates through a network of 115 branch locations in the Greater San Francisco, Sacramento, Los Angeles, and San Diego areas, as well as Central Valley in California. Mechanics Bank was founded in 1905 and is headquartered in Walnut Creek, California.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Mechanics bank (MCHB) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating MCHB's short-term business performance and financial health. For the latest updates on MCHB's earnings releases, visit this page regularly.
According to the latest financial report, Mechanics bank (MCHB) reported an Operating Profit of 153.95M with an Operating Margin of 46.14% this period, representing a growth of 266.5% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Mechanics bank (MCHB) announced revenue of 333.66M, with a Year-Over-Year growth rate of 787.84%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
As of the end of the reporting period, Mechanics bank (MCHB) had total debt of 278.81M, with a debt ratio of 0.01. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
At the end of the period, Mechanics bank (MCHB) held Total Cash and Cash Equivalents of 1.03B, accounting for 0.05 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Mechanics bank (MCHB) achieved the “three margins increasing” benchmark, with a gross margin of 84.96%%, operating margin of 46.14%%, and net margin of 37.25%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess MCHB's profit trajectory and future growth potential.
According to the past four quarterly reports, Mechanics bank (MCHB)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 5.63K. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Mechanics bank (MCHB)'s Free Cash Flow (FCF) for the period is 109.97M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 727.48% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Mechanics bank (MCHB) has a Price-To-Earnings (PE) ratio of 0 and a Price/Earnings-To-Growth (PEG) ratio of 0. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.