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MCHB

Mechanics·NASDAQ
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MCHB fundamentals

Mechanics (MCHB) released its earnings on Jan 30, 2026: revenue was 259.99M (YoY +544.97%), beat estimates; EPS was 0.54 (YoY +108.26%), beat estimates.
Revenue / YoY
259.99M
+544.97%
EPS / YoY
0.54
+108.26%
Report date
Jan 30, 2026
MCHB Earnings Call Summary for Q4,2025
  • Record Q4 Performance: $124.3 million net income, 2.2% ROAA, and $0.54 EPS. Dividend resumed at $0.21 per share.
  • Strategic Sale Impact: $130 million DUS business sale to Fifth Third, with $55.1 million after-tax gain. Excess capital to be returned via dividend (Q2 2026).
  • NIM Expansion: Targeting 3.75%+ by end-2026, driven by deposit cost decline and loan repricing.
  • Cost Savings: $82 million annual run-rate savings from HomeStreet integration, with core expenses at $430 million.
  • Capital Return: 2026 dividend payout ratio >100%, reverting to 80%+ in 2027. CET1 ratio 14.1%, Tier 1 leverage 8.6%.
EPS
Q3,2017
Q4,2017
Q1,2018
Q2,2018
Q3,2018
Q4,2018
Q1,2019
Q2,2019
Q3,2019
Q4,2019
Q1,2020
Q2,2020
Q3,2020
Q4,2020
Q1,2021
Q2,2021
Q3,2021
Q4,2021
Q1,2022
Q2,2022
Q3,2022
Q4,2022
Q1,2023
Q2,2023
Q3,2023
Q4,2023
Q1,2024
Q2,2024
Q3,2024
Q4,2024
Q1,2025
Q2,2025
Q3,2025
Q4,2025
Actual
0.340.861.231.471.351.371.311.431.010.941.080.450.27-1.670.12-0.18-0.4-0.33-0.39-6.54-0.24-0.230.250.54
Forecast
0.3120.31330.83171.07171.09171.15941.1161.31330.95170.96170.9840.74750.40250.190.0450.0175-0.1365-0.26-0.2425-0.2133-0.06670.0367-0.030.26
Surprise
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
+8.97%
+174.50%
+47.89%
+37.17%
+23.66%
+18.16%
+17.38%
+8.89%
+6.13%
-2.26%
+9.76%
-39.80%
-32.92%
-978.95%
+166.67%
-1128.57%
-193.04%
-26.92%
-60.82%
-2966.10%
-259.82%
-726.70%
+933.33%
+107.69%
Revenue
Q3,2017
Q4,2017
Q1,2018
Q2,2018
Q3,2018
Q4,2018
Q1,2019
Q2,2019
Q3,2019
Q4,2019
Q1,2020
Q2,2020
Q3,2020
Q4,2020
Q1,2021
Q2,2021
Q3,2021
Q4,2021
Q1,2022
Q2,2022
Q3,2022
Q4,2022
Q1,2023
Q2,2023
Q3,2023
Q4,2023
Q1,2024
Q2,2024
Q3,2024
Q4,2024
Q1,2025
Q2,2025
Q3,2025
Q4,2025
Actual
--------------------78.80M88.00M91.84M100.03M93.35M86.20M81.78M85.70M70.10M73.07M72.07M65.36M59.57M53.79M49.38M45.95M41.60M42.93M39.68M40.31M45.36M48.97M255.45M259.99M
Forecast
--------------------66.37M75.70M86.53M89.15M89.33M86.80M82.00M84.60M78.03M77.44M76.03M69.50M63.08M56.49M53.03M49.81M46.63M42.74M42.56M41.11M46.61M48.20M48.10M48.40M
Surprise
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
+18.73%
+16.25%
+6.13%
+12.20%
+4.51%
-0.70%
-0.27%
+1.30%
-10.15%
-5.64%
-5.21%
-5.95%
-5.58%
-4.78%
-6.88%
-7.76%
-10.77%
+0.44%
-6.78%
-1.94%
-2.69%
+1.60%
+431.08%
+437.16%

Earnings Call