Mechanics Bancorp - Public Comps and Valuation Multiples

Mechanics Bancorp Overview

About Mechanics Bancorp

Mechanics Bancorp is an independent, full-service community bank. It provides personal banking, business banking, trust and estate, brokerage and wealth management services. Mechanics’ retail banking products include personal checking, savings and loan products (including credit card, home equity, home mortgage and secured/unsecured loans), online banking and wealth management services (including trust and estate, investment management and financial planning services). Mechanics’ banking products and services for businesses include business checking and savings accounts, business debit cards, online banking, cash management services, wealth management services, business credit cards, commercial real estate loans, equipment leasing and loans guaranteed by the Small Business Administration.

Founded

1905

HQ

Employees

n/a

Website

mechanicsbank.com

Sectors

Commercial Banking

Financials

LTM Revenue $184M

Last FY EBITDA n/a

EV

$3.1B

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Mechanics Bancorp Financials

As of August 2025, Mechanics Bancorp reported last 12-month revenue of $184M.

In the same period, Mechanics Bancorp achieved -$43.8M in LTM net income.

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Mechanics Bancorp P&L

In the most recent fiscal year, Mechanics Bancorp reported revenue of $373M.

Mechanics Bancorp expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$184M	XXX	$373M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	n/a	XXX	n/a	XXX	XXX	XXX
EBIT Margin	n/a	XXX	n/a	XXX	XXX	XXX
Net Profit	-$43.8M	XXX	$29.0M	XXX	XXX	XXX
Net Margin	-24%	XXX	8%	XXX	XXX	XXX
Net Debt	XXX	XXX	n/a	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Mechanics Bancorp including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $184M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$184M	Analyst estimates available to subscribers	$373M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	-$43.8M	Analyst estimates available to subscribers	$29.0M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	-23.7% net profit margin	Analyst estimates available to subscribers	7.8% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	n/a	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Mechanics Bancorp

This financial data table provides comprehensive performance metrics for Mechanics Bancorp, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Mechanics Bancorp generated $184M in revenue over the last twelve months.
Net income over the last twelve months reached -$43.8M.

Fiscal Year Performance

In the most recent fiscal year, Mechanics Bancorp reported $373M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 7.8% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Mechanics Bancorp. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Mechanics Bancorp Stock Performance

Mechanics Bancorp has current market cap of $3.1B, and EV of $3.1B.

Market Cap Evolution

Mechanics Bancorp Stock Data

As of September 26, 2025, Mechanics Bancorp's stock price is $14.

See Mechanics Bancorp trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$3.1B	$3.1B	XXX	XXX	XXX	XXX	$-2.32

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Mechanics Bancorp Valuation Multiples

Mechanics Bancorp's trades at 8.4x EV/Revenue multiple, and n/a EV/EBITDA.

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Mechanics Bancorp Financial Valuation Multiples

As of September 26, 2025, Mechanics Bancorp has market cap of $3.1B and EV of $3.1B.

Equity research analysts estimate Mechanics Bancorp's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Mechanics Bancorp has a P/E ratio of -69.8x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$3.1B	XXX	$3.1B	XXX	XXX	XXX
EV (current)	$3.1B	XXX	$3.1B	XXX	XXX	XXX
EV/Revenue	16.9x	XXX	8.4x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	n/a	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	-69.8x	XXX	105.4x	XXX	XXX	XXX
EV/FCF	n/a	XXX	10.9x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Mechanics Bancorp Margins & Growth Rates

Mechanics Bancorp's last 12 month revenue growth is 10%

Mechanics Bancorp's revenue per employee in the last FY averaged n/a, while opex per employee averaged n/a for the same period.

Mechanics Bancorp's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Mechanics Bancorp's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Mechanics Bancorp Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	10%	XXX	-25%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	n/a	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	1%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	n/a	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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