Mechanics Bancorp — Earnings Quality Grade C
MCHB · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 74.3% but CFFO declined -33.8%
Expense Quality
No material inventory
CapEx growth 2.2% vs revenue 74.3%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.73. Below 1.0
FCF $0.2B, FCF/NI = 0.70
Accruals ratio = 0.3%. Low accruals
Cash $1.0B covers debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $1.1B = 40% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 29% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Mechanics Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25