MCHB

Mechanics Bancorp

Jan 30 • 04:00PM ET

14.99

-0.18 -1.19 %

Financial • Banks - Regional • USA • NASD

Jan 30, 6:10 PMMechanics Bancorp reported Q4 2025 net income of $124.3 million ($0.54 per diluted share) and FY 2025 net income of $265.7 million ($1.22), materially boosted by the HomeStreet merger and a $145.5 million preliminary bargain purchase gain; on its call it cited core Q4 net income just under $60 million, targeted $82 million merger cost savings by Q4 2026, and signaled an estimated $0.39 Q1 2026 dividend pending approvals.

Peers: JPM BAC C WFC USB PNC TFC CFG FITB KEY

| Held by: VTI IWM DES VXF IWN FNDA SCHA VTWO DHS IWC

Scroll to Statements

Index	RUT	P/E	-	EPS (ttm)	-6.74	Insider Own	79.49%	Shs Outstand	231.24M	Perf Week	1.97%
Market Cap	3.47B	Forward P/E	10.71	EPS next Y	1.40	Insider Trans	0.00%	Shs Float	47.44M	Perf Month	3.02%
Enterprise Value	-	PEG	-	EPS next Q	-	Inst Own	10.24%	Short Float	9.11%	Perf Quarter	11.53%
Income	170.59M	P/S	4.60	EPS this Y	1.64%	Inst Trans	10.91%	Short Ratio	6.72	Perf Half Y	14.60%
Sales	753.97M	P/B	1.16	EPS next Y	12.90%	ROA	1.12%	Short Interest	4.32M	Perf YTD	2.46%
Book/sh	12.93	P/C	-	EPS next 5Y	-	ROE	10.47%	52W High	15.90 -5.69%	Perf Year	55.18%
Cash/sh	-	P/FCF	43.12	EPS past 3/5Y	- -	ROIC	5.43%	52W Low	8.41 78.24%	Perf 3Y	-48.47%
Dividend Est.	-	EV/EBITDA	-	Sales past 3/5Y	42.33% 21.63%	Gross Margin	-	Volatility	4.08% 3.43%	Perf 5Y	-59.18%
Dividend TTM	0.21 (1.40%)	EV/Sales	-	EPS Y/Y TTM	-420.27%	Oper. Margin	22.09%	ATR (14)	0.53	Perf 10Y	-22.53%
Dividend Ex-Date	Dec 08, 2025	Quick Ratio	-	Sales Y/Y TTM	108.58%	Profit Margin	22.63%	RSI (14)	55.20	Recom	3.00
Dividend Gr. 3/5Y	-46.87% -18.94%	Current Ratio	0.07	EPS Q/Q	-	SMA20	1.67%	Beta	1.57	Target Price	15.50
Payout	-	Debt/Eq	0.10	Sales Q/Q	1309.09%	SMA50	2.72%	Rel Volume	0.98	Prev Close	15.17
Employees	1921	LT Debt/Eq	0.10	Earnings	Jan 30 BMO	SMA200	12.40%	Avg Volume	643.44K	Price	14.99
IPO	Feb 10, 2012	Option/Short	Yes / Yes	EPS/Sales Surpr.	107.69% -	Trades		Volume	629,730	Change	-1.19%

Date	Action	Analyst	Rating Change	Price Target Change
Apr-01-25	Upgrade	Janney	Neutral → Buy
Nov-05-24	Upgrade	Wedbush	Neutral → Outperform	$12
Jun-20-24	Upgrade	Janney	Neutral → Buy	$13.50
Apr-26-23	Downgrade	Wedbush	Outperform → Neutral	$21 → $12
Feb-01-23	Upgrade	Piper Sandler	Underweight → Neutral	$24 → $28
Jan-31-23	Downgrade	Keefe Bruyette	Outperform → Mkt Perform	$38 → $29
Jun-14-22	Downgrade	B. Riley Securities	Buy → Neutral	$55 → $43
May-05-22	Downgrade	Piper Sandler	Neutral → Underweight	$52 → $40
Nov-10-21	Upgrade	Wedbush	Neutral → Outperform	$49 → $63
Mar-08-21	Downgrade	DA Davidson	Buy → Neutral	$43 → $49
Oct-28-20	Reiterated	B. Riley Securities	Buy	$34 → $36
Oct-02-20	Upgrade	Keefe Bruyette	Mkt Perform → Outperform	$33 → $39
Jun-25-20	Initiated	Wedbush	Neutral	$28
Mar-16-20	Upgrade	DA Davidson	Neutral → Buy	$29 → $27
Feb-07-20	Resumed	Piper Sandler	Neutral	$35
Aug-16-19	Upgrade	DA Davidson	Underperform → Neutral	$27
Jul-10-19	Downgrade	DA Davidson	Neutral → Underperform
Apr-05-19	Upgrade	Sandler O'Neill	Hold → Buy
Apr-05-19	Upgrade	FIG Partners	Market Perform → Outperform
Jun-11-18	Upgrade	B. Riley FBR, Inc.	Neutral → Buy	$30 → $35

Show Previous Ratings

Jan-30-26 06:00PM	Mechanics Bancorp (MCHB) Q4 2025 Earnings Call Highlights: Strong Core Net Income and Strategic ... (GuruFocus.com)
06:06AM	Mechanics Bank: Q4 Earnings Snapshot (Associated Press Finance)
05:45AM	Mechanics Bancorp Reports Fourth Quarter and Full Year 2025 Results (Business Wire)
Jan-16-26 07:15AM	Mechanics Bancorp Announces Date of Fourth Quarter 2025 Earnings Release and Conference Call (Business Wire)
Dec-10-25 05:22PM	KBRA Assigns Ratings to Mechanics Bancorp; Upgrades and Subsequently Withdraws Ratings for HomeStreet, Inc. (Business Wire)
04:10PM	Loading…
Dec-09-25 04:10PM	Mechanics Bank Agrees to Sell Fannie Mae Delegated Underwriting and Servicing Business Line to Fifth Third (Business Wire)
Nov-26-25 04:39PM	Mechanics Bancorp Declares Cash Dividend (Business Wire)
Oct-31-25 05:05PM	Mechanics Bancorp (MCHB) Q3 2025 Earnings Call Highlights: Strong Net Income and Strategic ... (GuruFocus.com)
Oct-30-25 05:31PM	Mechanics Bank: Q3 Earnings Snapshot (Associated Press Finance)
05:19PM	Mechanics Bancorp Reports Third Quarter 2025 Results Following Completion of Merger with HomeStreet Bank (Business Wire)
Oct-29-25 08:40AM	Stock Yards Bancorp (SYBT) Q3 Earnings and Revenues Top Estimates (Zacks)
Oct-28-25 08:33AM	FirstSun to acquire First Foundation in $785M deal (Banking Dive)
07:25AM	Amerant Bancorp Inc. (AMTB) Misses Q3 Earnings Estimates (Zacks)
Oct-23-25 06:05PM	National Bankshares (NKSH) Q3 Earnings and Revenues Surpass Estimates (Zacks)
Oct-22-25 05:45PM	TowneBank (TOWN) Q3 Earnings Top Estimates (Zacks)
04:29PM	Loading…
Oct-16-25 04:29PM	Mechanics Bancorp Announces Date of Third Quarter 2025 Earnings Release and Conference Call (Business Wire)
Oct-15-25 09:10AM	Bank7 (BSVN) Beats Q3 Earnings and Revenue Estimates (Zacks)
Sep-02-25 08:00AM	Mechanics Bank Completes Strategic Merger with HomeStreet, Inc. (Business Wire) -7.79%
Aug-19-25 08:30AM	Mechanics Bank and HomeStreet, Inc. Receive Regulatory Approvals for Pending Strategic Merger (Business Wire)
Jul-28-25 07:30PM	HomeStreet (HMST) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates (Zacks)
06:20PM	HomeStreet (HMST) Reports Q2 Loss, Tops Revenue Estimates (Zacks)
05:18PM	HomeStreet: Q2 Earnings Snapshot (Associated Press Finance)
04:03PM	HomeStreet Reports Second Quarter 2025 Results (Business Wire)
Jul-24-25 09:15AM	Berkshire Hills Bancorp (BHLB) Tops Q2 Earnings and Revenue Estimates (Zacks)
Apr-28-25 08:00PM	HomeStreet (HMST) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
05:20PM	Northwest Bancshares (NWBI) Surpasses Q1 Earnings and Revenue Estimates (Zacks)
05:20PM	HomeStreet (HMST) Reports Q1 Loss, Tops Revenue Estimates (Zacks)
04:17PM	HomeStreet: Q1 Earnings Snapshot (Associated Press Finance)
04:03PM	HomeStreet Reports First Quarter 2025 Results (Business Wire)
Apr-24-25 06:15PM	Provident Financial (PFS) Surpasses Q1 Earnings Estimates (Zacks)
02:35AM	Loading…
Apr-17-25 02:35AM	HomeStreet: Loan Portfolio Repositioning To Support Profitability, Sustainability, And Upside (Seeking Alpha)
Apr-09-25 04:30AM	Bank M&A Activity Rebounds In March, Pushing Q1 2025 Total Deal Value To $1.61B (Seeking Alpha)
Apr-01-25 10:13AM	Mechanics Bank, HomeStreet agree on merger (Retail Banker International)
08:37AM	HomeStreet to merge with Californias Mechanics Bank (Banking Dive)
08:21AM	HomeStreet (HMST) Surges 26.2%: Is This an Indication of Further Gains? (Zacks)
Mar-31-25 04:52PM	HomeStreet Tries Again: Merger With Mechanics Bank May Be The Turning Point (Seeking Alpha) +26.24%
07:00AM	Mechanics Bank and HomeStreet, Inc. Announce Strategic Merger (Business Wire)
Mar-17-25 01:19PM	Why HomeStreet (HMST) Is Plunging in 2025? (Insider Monkey)
Mar-04-25 08:32AM	Do Options Traders Know Something About HomeStreet (HMST) Stock We Don't? (Zacks)
Feb-13-25 12:13AM	Is HomeStreet, Inc. (HMST) the Worst Performing Bank Stock in 2024? (Insider Monkey)
Feb-05-25 04:25AM	HomeStreet, Inc. (HMST): An Oversold Bank Stock to Buy Right Now (Insider Monkey)
Jan-31-25 02:09AM	HomeStreet Inc (HMST) Q4 2024 Earnings Call Highlights: Navigating Challenges with Strategic ... (GuruFocus.com)
Jan-29-25 03:08AM	Q4 2024 HomeStreet Inc Earnings Call (Thomson Reuters StreetEvents)
Jan-27-25 05:25PM	HomeStreet (HMST) Reports Q4 Loss, Misses Revenue Estimates (Zacks)
04:37PM	HomeStreet: Q4 Earnings Snapshot (Associated Press Finance)
04:04PM	HomeStreet Reports Year End and Fourth Quarter 2024 Results (Business Wire)
07:07AM	HomeStreet Inc (HMST) Q4 2024: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Jan-24-25 07:05AM	HomeStreet Inc (HMST) Q4 2024 Earnings Report Preview: What To Expect (GuruFocus.com)
Jan-22-25 09:15AM	Insights Into HomeStreet (HMST) Q4: Wall Street Projections for Key Metrics (Zacks)
Jan-20-25 10:00AM	Earnings Preview: HomeStreet (HMST) Q4 Earnings Expected to Decline (Zacks)
Jan-13-25 01:44PM	HomeStreet Schedules Fourth Quarter 2024 Analyst Earnings Call for Tuesday, January 28, 2025 (Business Wire)
Jan-10-25 09:35AM	HomeStreet (HMST) Loses -13.39% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner (Zacks)
Jan-03-25 07:23AM	Bank of America buys $990M in multifamily loans from HomeStreet (Banking Dive)
Dec-31-24 06:00AM	HomeStreet Closes Sale of $990 Million in Multi-Family Loans (Business Wire)
Dec-27-24 09:24AM	Bank of America to Buy $990 Million of Multifamily Loans From HomeStreet (Bloomberg)
08:35AM	HomeStreet Bank offloads $990 million multifamily loans to BofA in profit push (Reuters)
08:16AM	HomeStreet Enters Into Agreement to Sell $990 Million in Multi-Family Loans (Business Wire)
Nov-20-24 03:50AM	FirstSun, HomeStreet terminate merger (Banking Dive)
Oct-31-24 08:27AM	FirstSun looks to alter HomeStreet deal again (Banking Dive)
04:52AM	Q3 2024 HomeStreet Inc Earnings Call (Thomson Reuters StreetEvents)
03:16AM	HomeStreet Inc (HMST) Q3 2024 Earnings Call Highlights: Navigating Losses Amid Strategic ... (GuruFocus.com)
Oct-30-24 01:31PM	Homestreet Shares Tumble 33% After Regulators Halt Firstsun Merger Application (GuruFocus.com) -34.91%
Oct-29-24 05:50PM	HomeStreet (HMST) Reports Q3 Loss, Lags Revenue Estimates (Zacks)
05:37PM	FirstSun Capital Bancorp and HomeStreet, Inc. Provide Update on Status of Strategic Merger (Business Wire)
05:06PM	HomeStreet Schedules Third Quarter 2024 Analyst Earnings Call for Wednesday, October 30, 2024 (Business Wire)
04:57PM	HomeStreet: Q3 Earnings Snapshot (Associated Press Finance)
04:35PM	HomeStreet Reports Third Quarter 2024 Results (Business Wire)
Jul-29-24 09:53PM	HMST Stock Earnings: HomeStreet Beats EPS, Beats Revenue for Q2 2024 (InvestorPlace)
07:00PM	Compared to Estimates, HomeStreet (HMST) Q2 Earnings: A Look at Key Metrics (Zacks)
05:30PM	HomeStreet (HMST) Reports Q2 Loss, Misses Revenue Estimates (Zacks)
04:26PM	HomeStreet: Q2 Earnings Snapshot (Associated Press Finance)
04:03PM	HomeStreet Reports Second Quarter 2024 Results (Business Wire)
Jul-19-24 10:00AM	Analysts Estimate HomeStreet (HMST) to Report a Decline in Earnings: What to Look Out for (Zacks)
Jun-27-24 10:30AM	Blue Lion Capital Encourages HomeStreet Board to Remove Management Team Change in Control Payments as Part of FSUN Merger (PR Newswire)
Jun-20-24 09:54AM	Spirit Aero downgraded, Skyworks upgraded: Wall Street's top analyst calls (The Fly)
Jun-18-24 04:46PM	HomeStreet Announces Approval of Merger with FirstSun (Business Wire)
Jun-07-24 08:32AM	Implied Volatility Surging for HomeStreet (HMST) Stock Options (Zacks)
May-06-24 08:21AM	FirstSun, HomeStreet seek charter change for merger (Banking Dive)
May-03-24 01:11PM	FirstSun to switch regulators due to delays tied to HomeStreet deal (American Banker)
Apr-30-24 10:52PM	HMST Stock Earnings: HomeStreet Misses EPS, Misses Revenue for Q1 2024 (InvestorPlace) -10.45%
07:30PM	Compared to Estimates, HomeStreet (HMST) Q1 Earnings: A Look at Key Metrics (Zacks)
06:35PM	HomeStreet Inc (HMST) Reports Q1 2024 Earnings: A Detailed Financial Overview (GuruFocus.com)
06:30PM	HomeStreet (HMST) Reports Q1 Loss, Lags Revenue Estimates (Zacks)
05:23PM	HomeStreet: Q1 Earnings Snapshot (Associated Press Finance)
05:23PM	FirstSun Capital Bancorp and HomeStreet, Inc. Amend Merger Agreement (Business Wire)
05:09PM	HomeStreet Reports First Quarter 2024 Results (Business Wire)
Apr-15-24 10:00AM	Analysts Estimate HomeStreet (HMST) to Report a Decline in Earnings: What to Look Out for (Zacks)
Jan-31-24 08:50AM	Fast-paced Momentum Stock HomeStreet (HMST) Is Still Trading at a Bargain (Zacks) -5.75%
Jan-29-24 11:01PM	SHAREHOLDER NOTICE: Halper Sadeh LLC Investigates JNPR, TGAN, HMST (PR Newswire)
07:30PM	Compared to Estimates, HomeStreet (HMST) Q4 Earnings: A Look at Key Metrics (Zacks)
04:55PM	HomeStreet: Q4 Earnings Snapshot (Associated Press Finance)
04:45PM	HomeStreet Inc (HMST) Faces Net Loss in Q4; Full Year Earnings Dip Amid Rising Costs (GuruFocus.com)
04:05PM	HomeStreet Reports Year End and Fourth Quarter 2023 Results (Business Wire)
Jan-25-24 09:50PM	3 Financial Stocks to Sell as the Sector Faces Margin Pressure in 2024 (InvestorPlace)
Jan-24-24 09:46AM	SHAREHOLDER NOTICE: Halper Sadeh LLC Investigates INBX, MDC, ANSS, HMST (GlobeNewswire)
09:15AM	Seeking Clues to HomeStreet (HMST) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics (Zacks)
Jan-23-24 06:05AM	HomeStreet Cancels Scheduled Fourth Quarter 2023 Analyst Earnings Call (Business Wire)
Jan-22-24 01:59PM	SHAREHOLDER NOTICE: Halper Sadeh LLC Investigates ANSS, NS, HMST (PR Newswire)
Jan-20-24 11:31AM	SHAREHOLDER NOTICE: Halper Sadeh LLC Investigates PGTI, HMST, ANSS (GlobeNewswire)
Jan-18-24 11:13AM	Kuehn Law Encourages ROVR, JNPR, HMST and TGAN Investors to Contact Law Firm (PR Newswire)

Mechanics Bancorp engages in the provision of commercial and consumer banking and real estate lending services. The company is headquartered in Walnut Creek, CA.

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MCHB

Mechanics Bancorp

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