Mechanics Bancorp

MCHB

Mechanics Bancorp

MCHB

Insider Sentiment (TTM):

Last Purchase:2024-12-17Last Sale:2026-06-15Shares Purchased (TTM):0Shares Sold (TTM):2

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:26,327,940Shares Outstanding:222,162,251Institutional Ownership Pct.:11.85%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Cash Equivalents At Carrying Value	554	484	1,030	1,443	201	252	1,000	206	219	320	216	227
Marketable Securities	-	-	-	-	1,031	1,055	1,057	1,158	1,161	1,191	1,278	1,295
Trading Securities Debt	47	49	50	50	-	-	0	-	-	-	-	-
Debt Securities Available For Sale Excluding Accru…	4,119	3,934	3,993	3,490	-	-	3,065	-	-	-	-	-
Debt Securities Held To Maturity Excluding Accrued…	1,287	1,314	1,337	1,364	-	-	1,440	-	-	-	-	-
Loans Receivable Held For Sale Net Not Part Of Dis…	5	5	6	55	49	35	1	39	30	21	20	34
Financing Receivable Excluding Accrued Interest Be…	-	13,852	14,177	14,569	-	-	9,643	-	-	-	-	-
Financing Receivable Allowance For Credit Loss Exc…	-	-157	-153	-169	46	-76	-89	-103	40	40	41	40
Common Stock No Par Value	-	-	-	-	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	-	-	-	-	160	160	160	160	160	160	160	160
Common Stock Shares Issued	-	-	-	-	19	19	19	19	19	19	19	19
Shares Outstanding	-	-	-	-	19	19	19	19	19	19	19	19
Financing Receivable Excluding Accrued Interest Af…	-	13,695	14,024	14,400	5,887	6,024	9,555	7,295	7,340	7,405	7,382	7,401
Intangible Assets Net Including Goodwill	-	-	-	-	-	-	7	-	-	-	10	10
Servicing Asset	59	84	86	89	100	98	0	97	101	103	104	108
Other Real Estate And Foreclosed Assets	4	5	5	2	3	3	16	3	3	3	4	1
Other Intangible Assets Net	-	-	-	-	6	7	-	8	8	9	-	-
Other Assets	-	-	-	-	287	285	290	347	354	346	325	330
Federal Home Loan Bank Stock	17	17	17	17	-	-	17	-	-	-	-	-
Property Plant And Equipment Net	142	143	144	144	44	46	117	49	50	56	54	54
Bank Owned Life Insurance	173	172	170	169	-	-	84	-	-	-	-	-
Goodwill	843	843	843	843	-	-	843	-	-	-	-	-
Intangible Assets Net Excluding Goodwill	98	205	212	143	-	-	39	-	-	-	-	-
Operating Lease Right Of Use Asset	75	78	82	-	-	-	54	-	-	-	-	-
Interest Receivable And Other Assets	384	361	352	414	-	-	260	-	-	-	-	-
Assets	21,231	21,389	22,351	22,709	7,609	7,804	16,490	9,201	9,266	9,455	9,392	9,459
Liabilities And Stockhold…
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	6,421	6,512	6,744	6,748	-	-	5,616	-	-	-	-	-
Interest Bearing Deposit Liabilities	8,395	8,223	8,129	7,919	-	-	6,139	-	-	-	-	-
Deposits	18,089	18,243	19,025	19,453	5,857	6,090	13,942	6,435	6,532	6,491	6,763	6,746
Short Term Borrowings	-	-	-	-	1,040	1,000	1,000	1,896	1,886	2,094	1,745	1,873
Long Term Debt	130	129	192	190	225	225	0	0	225	225	225	225
Operating Lease Liability	78	82	87	91	-	-	56	-	-	-	-	-
Accounts Payable And Accrued Liabilities Current A…	163	144	185	201	84	87	190	107	103	118	121	113
Liabilities	18,541	18,598	19,489	19,935	7,206	7,403	14,188	8,663	8,746	8,928	8,854	8,956
Common Stock Value	2,405	2,403	2,402	2,402	234	233	2,122	233	232	231	230	229
Retained Earnings Accumulated Deficit	303	408	457	381	242	247	240	374	382	388	395	401
Accumulated Other Comprehensive Income Loss Net Of…	-18	-19	3	-9	-73	-79	-60	-69	-93	-91	-87	-127
Stockholders Equity	2,690	2,791	2,862	2,774	2,417	2,374	2,302	2,299	520	527	538	502
Liabilities And Stockholders Equity	21,231	21,389	22,351	22,709	7,609	7,804	16,490	9,201	9,266	9,455	9,392	9,459
Common Class A	-	220	1,898	220	-	-	1,898	-	-	-	-	-
Common Class B	-	1	3	1	-	-	3	-	-	-	-	-
Held To Maturity Securities Fair Value	1,120	1,150	1,171	1,186	-	-	1,196	-	-	-	-	-
Loans Held For Sale Fair Value Disclosure	5	5	6	21	-	-	0	-	-	-	-	-
Servicing Asset At Fair Value Amount	59	58	58	60	-	0	0	-	-	-	-	-

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	4.13%	13.04%	10.92%	-	-	-	-	-	-	-	-	-
2025	6.80%	3.44%	8.61%	6.86%	7.16%	5.93%	13.91%	14.61%	21.10%	6.85%	3.63%	9.89%
2024	-12.55%	9.20%	34.00%	15.11%	12.30%	1.29%	7.32%	0.81%	-8.13%	3.33%	24.11%	35.11%
2023	-	-	-	-	-	-	33.28%	79.44%	161.67%	0.60%	-19.45%	-37.50%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.50	-0.50	-0.45	-0.78	-0.76	-0.82	-0.68	0.03	0.65	0.81	0.86	0.91
Per Share Metrics
Diluted EPS TTM	1.26	1.20	1.27	0.69	0.64	0.40	0.14	0.11	-0.79	-2.12	-1.46	-0.83
Free Cash Flow Per Share TTM	0.83	0.89	0.90	0.72	1.87	1.45	1.39	1.07	0.07	2.27	0.22	0.15
Dividend Per Share TTM	0.95	0.64	0.23	0.00	0.47	0.47	0.47	0.48	0.20	0.30	0.66	0.90
Margin Metrics
Gross Profit Margin TTM	-383.08%	-375.77%	-354.56%	-132.11%	-135.22%	-19.00%	14.00%	0.10%	21.71%	25.13%	29.79%	47.74%
Operating Profit Margin TTM	640.56%	624.40%	642.60%	229.89%	244.84%	67.00%	14.18%	10.37%	-5.22%	-12.29%	-8.19%	-4.48%
Net Profit Margin TTM	529.59%	519.16%	534.39%	201.71%	180.75%	49.94%	11.52%	7.18%	-3.66%	-9.89%	-6.88%	-3.97%
Growth Metrics
Net Revenue Growth (1Y)	-25.59%	-68.12%	-80.25%	-77.46%	-82.40%	-60.33%	-37.01%	-19.20%	8.08%	18.38%	31.37%	44.83%
Net Income Growth (1Y)	118.01%	231.36%	816.37%	532.85%	-968.23%	-300.40%	-205.42%	-246.20%	-698.19%	-177.57%	-141.34%	-117.82%
EPS Growth (1Y)	98.14%	201.29%	787.24%	513.70%	-181.05%	-118.71%	-109.80%	-113.60%	-695.57%	-177.15%	-141.67%	-117.75%
Valuation Metrics
P/E TTM	12.57	11.74	10.65	17.58	18.72	27.02	72.76	127.78	-13.23	-6.48	-6.43	-8.46
P/B TTM	1.31	1.12	0.99	0.91	1.00	0.91	0.92	1.27	0.38	0.49	0.33	0.26
P/S TTM	66.54	60.95	56.92	35.47	33.84	13.49	8.38	9.18	0.48	0.64	0.44	0.34
Market Cap	3.53B	3.12B	2.83B	2.54B	2.42B	2.17B	2.11B	2.91B	196.64M	259.59M	176.97M	131.84M
Enterprise Value	3.11B	2.77B	1.99B	1.28B	1.60B	2.60B	2.11B	3.63B	2.09B	2.26B	1.93B	2.00B
Calculated Values
Free Cash Flow TTM	183.74M	197.78M	187.08M	149.09M	378.70M	292.98M	281.01M	216.94M	1.27M	42.76M	4.21M	2.87M
Net Debt	-423.50M	-354.70M	-837.97M	-1.25B	-813.64M	426.91M	289.00K	717.84M	1.89B	2.00B	1.75B	1.87B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-15Sale

Owner: Downer, Edward Michael

Title: -

Shares: 2

Price/Share: $15.13

Value: $30.26

Shares Owned: 1,121,268

Relationship: Director

Ownership: Indirect

2024-12-18Sale

Owner: Van, Amen Darrell

Title: EVP, Chief Investment Officer

Shares: 4,541

Price/Share: $11.67

Value: $52,993.47

Shares Owned: 76,501

Relationship: Officer

Ownership: Direct

2024-12-18Sale

Owner: Parr, David L

Title: EVP, DIR. OF COMM'L BANKING

Shares: 5,210

Price/Share: $11.53

Value: $60,071.30

Shares Owned: -

Relationship: Officer

Ownership: Direct

2024-12-17Purchase

Owner: Tompkins, Sidney Craig

Title: -

Shares: 5,000

Price/Share: $11.49

Value: $57,450.00

Shares Owned: 5,000

Relationship: Director

Ownership: Indirect

2024-12-17Sale

Owner: Hand, Erik D

Title: EVP, Mortgage Lending Director

Shares: 5,000

Price/Share: $11.45

Value: $57,250.00

Shares Owned: 4,724

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-15	Downer, Edward Michael	Director	-	Indirect	Sale	2	15.13	$30.26	1,121,268	4
2024-12-18	Van, Amen Darrell	Officer	EVP, Chief Investment Officer	Direct	Sale	4,541	11.67	$52,993.47	76,501	4
2024-12-18	Parr, David L	Officer	EVP, DIR. OF COMM'L BANKING	Direct	Sale	5,210	11.53	$60,071.30	0	4
2024-12-17	Tompkins, Sidney Craig	Director	-	Indirect	Purchase	5,000	11.49	$57,450.00	5,000	4
2024-12-17	Hand, Erik D	Officer	EVP, Mortgage Lending Director	Direct	Sale	5,000	11.45	$57,250.00	4,724	4
2024-11-27	Harrell, Joanne R	Director	-	Direct	Purchase	1,818	11.55	$21,000.90	18,871	4
2024-11-26	Evans, Godfrey B	Officer	EVP - General Counsel	Direct	Sale	4,636	11.55	$53,545.80	67,049	4
2024-11-21	Michel, John	Officer	EVP, Chief Financial Officer	Indirect	Sale	8,000	11.26	$90,080.00	28,409	4
2024-08-30	Lemon, Paulette	Officer	EVP - Retail Banking Director	Indirect	Sale	2,401	15.59	$37,435.18	0	4
2024-03-15	Harrell, Joanne R	Director	-	Direct	Purchase	1,685	14.87	$25,050.60	14,907	4
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Institutional Ownership

No data available for chart

2026-03-31

11.85%

Inst. Shares: 26,327,940

Shares Outstanding: 222,162,251

2025-12-31

13.67%

Inst. Shares: 28,514,953

Shares Outstanding: 208,626,916

2025-09-30

8.44%

Inst. Shares: 17,574,366

Shares Outstanding: 208,304,212

2025-06-30

74.66%

Inst. Shares: 14,126,689

Shares Outstanding: 18,920,808

2025-03-31

7.24%

Inst. Shares: 14,622,233

Shares Outstanding: 201,999,328

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	26,327,940	222,162,251	11.85%
2025-12-31	28,514,953	208,626,916	13.67%
2025-09-30	17,574,366	208,304,212	8.44%
2025-06-30	14,126,689	18,920,808	74.66%
2025-03-31	14,622,233	201,999,328	7.24%
2024-12-31	14,964,811	201,993,195	7.41%
2024-09-30	14,490,635	201,999,328	7.17%
2024-06-30	14,105,574	18,857,566	74.80%
2024-03-31	13,586,019	18,856,870	72.05%
2023-12-31	12,482,050	18,783,005	66.45%
2023-09-30	12,627,699	18,792,893	67.19%
2023-06-30	12,356,113	18,775,022	65.81%
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Mechanics Bancorp (MCHB) — SEC Financial Statements & Analysis

Mechanics Bancorp (MCHB) is a state commercial banks company, incorporated in WA. Mechanics Bancorp trades on Nasdaq as: MCHB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Mechanics Bancorp reported a -25.59% year-over-year revenue growth, a Gross Profit Margin of -383.08% (TTM), a Price-to-Sales (P/S) ratio of 66.54x (TTM), a Price-to-Book (P/B) ratio of 1.31x (TTM), at a market cap of $3.53B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -25.59%
Gross Profit Margin TTM: -383.08%
P/S TTM: 66.54x
P/B TTM: 1.31x
Market Cap: $3.53B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Mechanics Bancorp in?

Mechanics Bancorp (MCHB) operates in the State Commercial Banks industry.

What is MCHB's market cap?

Mechanics Bancorp (MCHB) has a market capitalization of $3.53B as of 2026-06-30.

What is MCHB's P/E ratio?

Mechanics Bancorp (MCHB)'s trailing twelve month P/E ratio is 12.57x as of 2026-06-30.

What exchange does MCHB trade on?

Mechanics Bancorp (MCHB) trades on the Nasdaq.

Where is Mechanics Bancorp incorporated?

Mechanics Bancorp is incorporated in WA.