NASDAQ$MCHB

Mechanics Bancorp · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Mechanics Bancorp reported Q1 2025 revenue of $33.2M, a net loss of $4.5M, diluted EPS of $-0.24.

For Q1 2025, Mechanics Bancorp reported Revenue was $33.2M, net loss was $4.5M, diluted EPS was $-0.24. Management discusses operating trends, liquidity, and outlook in the quarterly filing.

  • Revenue $33.2M for Q1 2025.
  • Net loss $4.5M.
  • Diluted EPS $-0.24.

Headline financials

Total Revenue

$45.4M

Previous: $41.6M+9.0%
EPS (adj)

-$0.24

Previous: -$0.40+40.0%
Net interest margin

1.8%

No prior period
Efficiency ratio

102.9%

No prior period
Book value per share

$21.18

No prior period
Tangible book value per share

$20.83

No prior period
Loans held for investment

$6.02B

No prior period
Total deposits

$6.09B

No prior period
Nonperforming assets

$58.6M

No prior period
NPAs to total assets

0.8%

No prior period
Delinquencies to total loans

1.1%

No prior period
ACL to LHFI

0.7%

No prior period
Shares outstanding (EOP)

18.9M

No prior period
Loans to deposit ratio

99.9%

No prior period
Tier 1 leverage ratio

6.6%

No prior period
Total risk-based capital ratio

12.5%

No prior period
CET1 capital ratio

8.8%

No prior period
Capital Expenditures

-$53K

Previous: -$6.06M+99.1%
Net Income

-$4.47M

Previous: -$7.5M+40.4%
Operating Income

-$4.75M

Previous: -$40.4M+88.2%

Revenue & EPS history

Homestreet · Revenue · Quarterly

$45.4M

Q1 2025+9%vs Q1 2024
Beat estimate in 2 of 15 quarters(13%)
ActualEstimate

Forward guidance

Financial outlook depends on net interest income, credit quality, and investment marks.

Tailwinds

  • Net interest income or fee income supports returns.
  • Portfolio diversification.

Headwinds

  • Rate moves and credit nonaccruals.
  • Regulatory and refinancing risk.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

-1.6%

Avg return

Earnings day

-1.8%

Avg return

5 days after

+1.0%

Avg return

30 days after

35%

22 / 62 earnings

Positive

+13.5%

Q1 2020

Best reaction

-36.6%

Q3 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.5%-2.4%+2.6%
Q4 2025+0.7%+1.6%-6.0%
Q3 2025-2.1%-4.0%+13.4%
Q2 2025-0.5%+3.0%+3.5%
Q1 2025+0.7%+6.6%+8.2%
Q4 2024-3.5%-3.5%-5.8%
Q3 2024-36.6%-36.5%-19.8%
Q2 2024+2.9%+0.9%+10.8%
Q1 2024-10.7%-10.6%-28.4%
Q4 2023-2.8%-11.7%-8.3%
Q3 2023+7.1%+40.8%+45.9%
Q2 2023-8.6%-6.4%-8.7%
Q1 2023-35.7%-44.4%-62.1%
Q4 2022-7.3%+0.2%-12.0%
Q3 2022-3.1%-8.1%-7.4%
Q2 2022-5.7%-0.9%-4.4%
Q1 2022-4.8%-8.5%-10.2%
Q4 2021-1.2%-7.5%-0.7%
Q3 2021+3.6%+8.1%+19.9%
Q2 2021-1.4%+0.8%+8.3%
Q1 2021-3.0%-4.7%+4.0%
Q4 2020-0.6%-1.4%+19.1%
Q3 2020-0.6%-0.4%+11.7%
Q2 2020+6.7%+9.9%+14.8%
Q1 2020+13.5%+11.3%+15.2%
Q4 2019+0.2%-1.1%-10.2%
Q3 2019+5.8%+7.6%+10.4%
Q2 2019+0.5%+4.1%-3.6%
Q1 2019-1.6%+0.1%-1.6%
Q4 2018-5.7%-6.5%+7.9%
Q3 2018+10.2%+3.2%+0.7%
Q2 2018+4.0%+1.7%+4.0%
Q1 2018-3.7%-5.3%+3.1%
Q4 2017+1.9%-3.7%-7.0%
Q3 2017-2.8%+2.4%+5.2%
Q2 2017-4.5%-3.3%-10.0%
Q1 2017-3.1%-6.6%-2.0%
Q4 2016-2.2%-10.0%-6.0%
Q3 2016+11.6%+10.4%+29.9%
Q2 2016+2.5%+3.9%+16.8%
Q1 2016-0.4%
Q4 2015+10.9%
Q3 2015-2.5%
Q2 2015-1.9%
Q1 2015+8.7%
Q4 2014+1.9%
Q3 2014+1.1%
Q2 2014+0.0%
Q1 2014+0.1%
Q4 2013-4.2%
Q3 2013-2.1%
Q2 2013-5.0%
Q1 2013-0.8%
Q4 2010-0.4%
Q4 2012+3.9%
Q3 2011-2.9%
Q3 2012-2.9%
Q2 2011-5.8%
Q2 2012-5.8%
Q4 2011-5.8%
Q1 2012-2.4%
Q1 2011-2.4%
Q3 2010

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