# MECHANICS BANCORP (MCHB) · Edgar & Edgarette company card

> Mechanics Bancorp (MCHB) grew revenue 3.3% in FY2025 to $50 million, equity 12.8% of assets, and its dividend per share fell in the latest year on record. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1518715 · fiscal year ended 2025-12-31 · 2 audited years read · [page](https://www.pops4.com/boards/company/MCHB) · [JSON](https://www.pops4.com/boards/company/MCHB.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $50M |
| Revenue growth, 1 year | 3.3% |
| Revenue growth per year | — |
| Operating margin | — |
| Net margin | 534.4% |
| Operating cash flow | $194M |
| Capital spending | $7M |
| Free cash flow | $187M |
| Cash | $1.0B |
| Long-term debt | $192M |
| Total assets | $22.4B |
| Total equity | $2.9B |
| Equity ÷ assets | 12.8% |
| Return on equity | 9.3% |
| Dividend per share | $0.65 |
| Dividend years rising | 0 |

## Readings, computed from those figures

- Piotroski F: 3 of 9 (middling)
- Health Harbor boat: Weathered boat · two warning signs · filed late annual report notice, late quarterly report notice in the last 12 months; revenue is hard to predict: its 80% range is ±28%

## Edgarette's reading

Exposure: revenue $49.7M (FY2025), total debt $192.0M. Experience: revenue up 3.3% on the year. Soundness: equity 12.8% of assets, return on equity 9.3%, payout 18.3% of profit, the dividend per share fell in the latest year on record. Credibility: 2 audited years, moderate weight. Range: 80% of past cases like this landed between $37.7M and $67.7M next year (method v3, set from 749 SEC company-years; on a year the method never saw, 83% landed inside). A statistical range, not company guidance. Against peers (31 filers, $50M+ revenue, state commercial banks): growth 3.3% against 7.5%.

Range logged 2026-09-20, receipt 985579262ac708e1, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item NT 10-K Late annual report notice: 1, latest 2026-03-17 ([filing](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000027/0001518715-26-000027-index.htm))
- Item NT 10-Q Late quarterly report notice: 1, latest 2025-11-10 ([filing](https://www.sec.gov/Archives/edgar/data/1518715/000114036125041409/0001140361-25-041409-index.htm))

## Recent filings

- 8-K · filed 2026-10-28 · 2.02 Results of Operations and Financial Condition; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000070/0001518715-26-000070-index.htm)
- 8-K · filed 2026-09-17 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000068/0001518715-26-000068-index.htm)
- 8-K · filed 2026-08-20 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000064/0001518715-26-000064-index.htm)
- 10-Q · filed 2026-08-07 · [filing](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000060/0001518715-26-000060-index.htm)
- 8-K · filed 2026-07-29 · 2.02 Results of Operations and Financial Condition; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000057/0001518715-26-000057-index.htm)
- 8-K · filed 2026-06-01 · 5.07 Submission of Matters to a Vote of Security Holders · [filing](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000052/0001518715-26-000052-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001518715.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1518715

## Cite

POPS4, Edgar & Edgarette: MECHANICS BANCORP (MCHB) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/MCHB. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.