C
Mechanics Bancorp — Earnings Quality Grade C
MCHB · Financial Services
Some red flags
Revenue
$650M
2025
Net Income
$266M
2025
Gross Margin
—
Free Cash Flow
$187M
01
Screening Summary
7
Passed
2
Watch
1
Failed
—
M-Score
管理层信号
最近 SEC 8-K 文件中未发现 CEO、CFO、董事会或审计负责人变动信号。
02
Financial Trends
Revenue & Net Income ($B)
Margins (%)
03
18-Point Screening
01
Revenue Quality
—
A1DSO Change
Insufficient data
—
A2AR vs Revenue Growth
Insufficient data
✗
A3Revenue vs CFFO
Revenue grew 74.3% but CFFO declined -33.8%
02
Expense Quality
✓
B1Inventory vs COGS
No material inventory
✓
B2CapEx vs Revenue
CapEx growth 2.2% vs revenue 74.3%. Normal
—
B3SG&A Ratio
Insufficient data
—
B4Gross Margin
Insufficient data
03
Cash Flow Quality
!
C1CFFO vs Net Income
CFFO/NI = 0.73. Below 1.0
✓
C2Free Cash Flow
FCF $0.2B, FCF/NI = 0.70
✓
C3Accruals Ratio
Accruals ratio = 0.3%. Low accruals
✓
C4Cash vs Debt
Cash $1.0B covers debt $0.2B
04
Balance Sheet Health
!
D1Goodwill + Intangibles
Goodwill+Intangibles $1.1B = 40% of equity
—
D2Leverage
Insufficient data
—
D3Soft Asset Growth
Insufficient data
—
D4Asset Impairment
No write-off data
05
Acquisition Risk
✓
E1Serial Acquirer FCF
FCF after acquisitions positive
✓
E2Goodwill Surge
Goodwill+Intangibles change 29% YoY. Normal
06
Manipulation Score
—
F1Beneish M-Score
Insufficient data
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