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Research & education only — not financial advice.TENK is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities TENK rates — see Disclosures. Do your own research.

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TTENK/calls
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Home›MCHB›Financials
Annual statements · SEC XBRL · FY2016 – FY2025

Mechanics Bancorp (MCHB) financials

Income statement

Mechanics Bancorp (MCHB) income statement, annual, from SEC filings
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue————————$48.1M$49.7M
Revenue growth—————————3.3%
Net income$58.2M$68.9M$40.0M$17.5M$80.0M$115M$66.5M-$27.5M$29.0M$266M
Net margin————————60.3%534.4%
EPS (diluted)$2.34$2.54$1.47$0.65$3.47$5.46$3.49-$1.46$0.14$1.27

Cash flow

Mechanics Bancorp (MCHB) cash flow, annual, from SEC filings
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow-$44.8M$159M$286M$259M-$25.5M$173M$218M$8.02M$292M$194M
Capital expenditures$24.5M$42.3M$9.72M$2.26M$3.30M$2.94M$6.79M$3.81M$6.37M$6.51M
Free cash flow-$69.3M$117M$276M$257M-$28.8M$170M$212M$4.21M$286M$187M
Share buybacks——$0.00$98.5M$58.0M$84.2M$75.0M$0.00——
Dividends paid$0.00—$0.00$0.00$13.9M$21.3M$26.8M$12.3M$95.0M$48.6M

Balance sheet

Mechanics Bancorp (MCHB) balance sheet, annual, from SEC filings
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$53.9M$72.7M$58.0M$57.9M$58.0M$65.2M$72.8M$216M$1000M$1.03B
Total assets$6.24B$6.74B$7.04B$6.81B$7.24B$7.20B$9.36B$9.39B$16.5B$22.7B
Total liabilities$5.61B$6.04B$6.30B$6.13B$6.52B$6.49B$8.80B$8.85B$14.2B$19.5B
Long-term debt$125M$125M$125M$126M$126M$126M$224M$225M$0.00$192M
Shareholders' equity$629M$704M$740M$680M$718M$715M$562M$2.24B$2.30B$2.77B
Retained earnings$303M$372M$412M$375M$404M$444M$435M$395M$240M$381M
Shares (wtd avg diluted)24.8M27.1M27.2M25.8M23.1M21.1M19.0M18.8M202M209M

Every figure is extracted from Mechanics Bancorp’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.

Common questions

What is Mechanics Bancorp's annual revenue?
Mechanics Bancorp (MCHB) reported $49.7M of revenue for fiscal year 2025 — up 3.3% from $48.1M in FY2024, per its annual report filed with the SEC.
Is Mechanics Bancorp profitable?
Yes — MCHB earned $266M of net income in FY2025, a 534.4% net margin, per SEC filings.
What is Mechanics Bancorp's free cash flow?
$187M in FY2025 (operating cash flow $194M minus $6.51M of capital expenditures), from the SEC cash-flow statement.
Does MCHB pay a dividend?
Yes — Mechanics Bancorp paid $48.6M in cash dividends during FY2025, per its SEC cash-flow statement.
Full MCHB analysis — verdict, score & filings →Is MCHB a buy? →

Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.