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Mechanics Bancorp (NASDAQ:MCHB)
US · Delayed Price · Currency is USD
Also listed: HMSTFinancial Services · Banks - Regional
$14.40+$0.02 (+0.14%)
Market cap
$3.17B
Insider Score
Health Score
Analyst consensus
Listed since
May 1, 2007
Website
Insider Score
––Not scored
MCHB Insider Score
No insider has filed an open-market purchase or sale here in the last 90 days, so there is nothing to score yet.
Financial Health Score
Sound
From MCHB’s reported statements · Q3 2026 (trailing 12 months)
Profitability20 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $1.01B
- Net income
- $272.1M
- Net margin
- 27.0%
Leverage20 / 20
Little or no net debt.
- Total debt
- $210.3M
- Cash
- $602.5M
- Net debt / EBITDA
- -0.76x
Liquidity0 / 20
Owes more within a year than it holds to pay it.
- Current assets
- $6.21B
- Current liabilities
- $18.02B
- Current ratio
- 0.34
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $203.2M
- Free cash flow
- $191.1M
- FCF margin
- 19.0%
Dilution & runway15 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 221.2M
- Share growth (1y)
- 6.2%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
MCHB Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | $225.72 M | $261.74 M | $246.15 M | $274.76 M | $277.39 M | $98.14 M |
| Revenue Growth (YoY) | -18.63 % | 166.69 % | 31.64 % | 41.75 % | 33.72 % | -14.17 % |
| Cost of Revenue | $49.07 M | $58.00 M | $70.66 M | $50.20 M | $106.24 M | $55.17 M |
| Gross Profit | $176.65 M | $203.74 M | $175.49 M | $224.56 M | $171.16 M | $42.97 M |
| SG&A Expense | $84.67 M | $86.83 M | $90.59 M | $71.54 M | $57.57 M | $29.39 M |
| R&D Expense | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Operating Expenses | $114.19 M | $124.47 M | $113.62 M | $70.61 M | $126.06 M | $47.75 M |
| Operating Income | $62.46 M | $79.26 M | $61.87 M | $153.95 M | $45.10 M | -$4.78 M |
| Pretax Income | $62.46 M | $79.26 M | $61.87 M | $153.95 M | $45.10 M | -$4.78 M |
| Tax Provision | $16.47 M | $21.56 M | $17.78 M | $29.65 M | -$10.06 M | -$369.00 K |
| Net Income | $45.99 M | $57.70 M | $44.09 M | $124.30 M | $55.16 M | -$4.41 M |
| EPS (Basic) | $0.20 | $0.25 | $0.20 | $0.54 | $0.26 | -$0.02 |
| EPS (Diluted) | $0.20 | $0.25 | $0.20 | $0.54 | $0.26 | -$0.02 |
| Shares Outstanding | 221.18 M | 232.29 M | 232.19 M | 232.01 M | 208.30 M | 18.92 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.