Mechanics Bancorp
MCHBNasdaqFinancials · State Commercial Banks · WA · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $49.7M | $48.1M | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $141.4M | $29.0M | −$27.5M | $66.5M | $115.4M | $80.0M |
| Total assets | $22.71B | $16.49B | $9.39B | $9.36B | $7.20B | $7.24B |
| Total liabilities | $19.49B | $14.19B | $8.85B | $8.80B | $6.49B | $6.52B |
| Equity | $2.77B | $2.30B | $2.24B | $562.1M | $715.3M | $717.8M |
| EPS (diluted) | $1.27 | $0.14 | $-1.46 | $3.49 | $5.46 | $3.47 |
| Shares out. | 18.9M | 18.9M | 18.8M | 19.3M | 21.5M | 23.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 284.4%
- Return on equity
- 5.1%
- Return on assets
- 0.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 85.8%
- Debt / equity
- 7.03×
- Book value / share
- $146.62
- Revenue growth (YoY)
- 3.3%
- Net income growth (YoY)
- 387.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Mar 17, 2026
- NT 10-Qmissed a reporting deadline ↗Nov 10, 2025
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Maltese Capital Management LlcPassive (13G)Nov 14, 2025
- Wellington Management Group LlpPassive (13G)Nov 12, 2025
- Vanguard Group IncPassive (13G)Oct 31, 2025
- Blackrock, Inc.Passive (13G)Oct 17, 2025
- Webb Carl BActivist (13D)Sep 9, 2025
- Philadelphia Financial Management Of San Francisco, LlcPassive (13G)Aug 14, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Cochran PatriciaDirector | May 27, 2026 | Option exercise | 3,301 | $0.00 |
| Downer Douglas EDirector | May 27, 2026 | Option exercise | 3,301 | $0.00 |
| Wilcox Jon RDirector | May 27, 2026 | Option exercise | 3,301 | $0.00 |
| Crowe Adrienne YDirector | May 27, 2026 | Option exercise | 3,301 | $0.00 |
| Downer Edward MichaelDirector | May 27, 2026 | Option exercise | 3,301 | $0.00 |
| Downer Douglas EDirector | Sep 2, 2025 | Grant | 2.5M | — |
| Duda NathanOfficer — EVP & CFO | Mar 1, 2026 | Grant | 7,626 | — |
| Givans Scott A.Officer — EVP & Chief Credit Officer | Mar 1, 2026 | Grant | 6,574 | — |
| Kallingal Tony POfficer — EVP & Chief Banking Officer | Mar 1, 2026 | Grant | 6,048 | — |
| Pelayo FernandoOfficer — EVP & Chief Accounting Officer | Mar 1, 2026 | Grant | 4,470 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 3.9M | 9.4 | -6.4% |
| Apr 30, 2026 | 4.2M | 8.1 | -5.9% |
| Apr 15, 2026 | 4.4M | 10.0 | +7.0% |
| Mar 31, 2026 | 4.2M | 10.0 | +10.1% |
| Mar 13, 2026 | 3.8M | 9.3 | -13.3% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteJun 1, 2026
- Other material eventMay 13, 2026
- Other material eventMay 5, 2026
- Results of operations · Regulation FD disclosureApr 30, 2026
- Amended charter or bylaws · Other material eventFeb 27, 2026
- Results of operations · Regulation FD disclosureJan 30, 2026
- Entered a material agreement · Other material eventDec 9, 2025
- Other material eventNov 26, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.