Mechanics Bancorp
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Mechanics Bancorp's yearly results (2021–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
—Data incomplete
Growth Efficiency Ratio
—Data incomplete
Asset Productivity Ratio
—Data incomplete
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
95%Of every $100 the company owns, $95 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 74% of Financial Services companies in United States.
Tangible Net Worth Ratio
60%Of every $100 of net worth, $60 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 80% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Mechanics Bancorp owes $0.87 for every $1 it owns. Net profit rose 816% in the year to Dec 2025.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
11.7Investors pay $11.7 for every $1 of Mechanics Bancorp's yearly profit, lower than 63% of Financial Services companies in United States.
P/B ratio
1.25The share price is 1.25 times Mechanics Bancorp's book value per share, lower than 54% of Financial Services companies in United States.
Market cap
$3.4 BThe total market value of all of Mechanics Bancorp's shares at today's price (share price × number of shares), larger than 74% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$2.7 BWhat Mechanics Bancorp would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$12.15Net worth divided by the number of shares. The share price of $15.17 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
11.0%Mechanics Bancorp earned 11.0% on its shareholders' money over the last year, higher than 53% of Financial Services companies in United States.
Owes vs Owns
0.87×Mechanics Bancorp owes $0.87 for every $1 it owns (high), higher than 62% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
10.28%Mechanics Bancorp pays 10.28% of its share price as dividends a year, higher than 90% of dividend-paying Financial Services companies in United States.
Revenue growth
+75%Revenue rose 75% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Profit growth
+816%Net profit rose 816% in the year to Dec 2025.
Profit margin
40.1%Mechanics Bancorp keeps $40 of every $100 of revenue as net profit.
Questions
What is Mechanics Bancorp's P/E ratio?
Investors pay $11.7 for every $1 of Mechanics Bancorp's yearly profit, lower than 63% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Mechanics Bancorp: $3.4 B ÷ $2.7 B (30 Jun 2026) = 1.2.
What is Mechanics Bancorp's return on equity?
Mechanics Bancorp earned 11.0% on its shareholders' money over the last year, higher than 53% of Financial Services companies in United States.
How much does Mechanics Bancorp owe compared with what it owns?
Mechanics Bancorp owes $0.87 for every $1 it owns (high), higher than 62% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Mechanics Bancorp pay a dividend?
Yes. Mechanics Bancorp pays 10.28% of its share price as dividends a year, higher than 90% of dividend-paying Financial Services companies in United States.
Is Mechanics Bancorp's revenue growing?
Revenue rose 75% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.