Executive readout · one minute
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MCHB
$14.64
-0.20%
MCHB
· Mechanics Bancorp
$14.64
-0.03 (-0.20%)
At close · Oct 30
Return incl. dividend (before tax)
Q3 2026 earnings call transcript
Market Cap
$3.24B
Shares
221.43M
Volume · Oct 30
881.9K
Avg daily vol (3M)
535.16K
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Earnings call · FY2025 Q4
Mechanics Bancorp (MCHB) Q4 2025 Earnings Call
Revenue · derived Q4
$259.99M
+76.1% YoY
Net income · derived Q4
$124.30M
+4355.3% YoY
Forward guidance
11 guided metrics
Management's latest ranges and targets are included below.
Research coverage
3 live sources
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Forward guidance
From the 8-K filed Jan 30, 2026.
| Metric | Period | Guided | Basis |
|---|---|---|---|
|
Cost Savings
from HomeStreet integration
|
$82M | — | |
|
Run-rate NIE (excluding CDI amortization)
Q4'26
|
$430M | — | |
|
ROAA
Q4'26 and 2027E
|
1.4% | — | |
|
ROATCE
Q4'26 and 2027E
|
18% | — | |
|
GAAP Earnings
2027E
|
at least $300M | GAAP | |
|
Efficiency Ratio
Q4'26 and 2027E
|
up to 50% | — | |
|
Payout ratio
2027E
|
at least 80% | — | |
|
ROAA
2027E
|
1.4% | — | |
|
ROATCE
2027E
|
18% | — | |
|
Legacy HomeStreet CD runoff
end of Q1'26
|
at least $1B | — | |
|
CET1 ratio
2027E
|
14% | — |
Quarter detail
How the reported period landed and where the business moved.
SEC filing · Item 2.02
8-K earnings release
Filed Jan 30, 2026 · complete as-filed document
SEC periodic report
10-K report
Filed Mar 17, 2026 · complete as-filed document