Mechanics Bank는 개인 고객과 중소~중견 기업의 다양한 요구를 충족하는 종합적인 금융 솔루션을 제공합니다. 핵심 제공 서비스에는 다양한 당좌 및 저축 계좌가 포함됩니다. ...
예상 EPS $0.27 · 매출 $202.21M · 2 명의 애널리스트
예상 EPS $0.28 · 매출 $203.75M · 2 명의 애널리스트
예상 EPS $1.03 · 매출 $794.74M · 2 명의 애널리스트
예상 EPS $0.28 · 매출 $201.77M · 1 명의 애널리스트
$1.31 주당
$1.31 주당
| 지표 | 최신 | 전년 대비YoY는 Year-over-Year(전년 대비)를 의미합니다. 최근 연도 값을 이전 연도 값과 비교하여 장기 추세의 강도를 보여줍니다. | 전분기 대비QoQ는 Quarter-over-Quarter(전분기 대비)를 의미합니다. 최근 분기를 직전 분기와 비교하여 단기 모멘텀 변화를 보여줍니다. |
|---|---|---|---|
| 매출고객에게 물건을 판매하여 청구서가 지급되기 전까지 들어온 총 금액입니다. 고객의 모든 카드 결제의 총합이라고 보시면 됩니다. (YoY는 올해를 작년 성과와 비교하며, QoQ는 최근 3개월을 이전 3개월과 비교합니다). | $1.0B | +74.8% | +6.3% |
| 순이익절대적인 최종 이익입니다. 회사가 모든 공급업체, 직원, 은행, 세무 당국에 비용을 지불하고 남은 실제 금액입니다. | $265.7M | +816.4% | +30.9% |
| 매출총이익률기본적인 마진입니다. 100달러짜리 운동화를 판매한다면, 이 비율은 원료와 끈 비용을 지불한 직후의 이익이 가격의 얼마인지를 나타내며, 매장 임대료나 TV 광고 같은 비용은 제외됩니다. | +76.2% | +19.9% | +9.3% |
| 영업이익률본업의 효율성 점수입니다. 고객이 지불하는 1달러 중에서 제품을 만들고 모든 일상적인 회사 운영비(급여, 마케팅, 임대료 등)를 지불한 후 회사가 보유하는 금액을 나타냅니다. | +31.0% | +412.0% | +11.2% |
| 순이익률최종 이익 비율입니다. 모든 비용, 세금, 이자를 차감한 후, 매출 1달러 중 회사가 실제로 보유하는 정확한 액수입니다. | +25.8% | +424.1% | +23.1% |
| 잉여현금흐름기업 현금흐름의 핵심입니다. 일상적인 운영비를 지불하고 생존에 필요한 큰 설비(공장, 서버 등)에 투자한 후 남은 사용 가능한 실제 현금입니다. 배당금이나 자사주 매각에 사용될 수 있는 '자유' 현금입니다. | $187.1M | -34.6% | +419.2% |
| FCF 마진궁극의 현금 전환율입니다. 일반 매출을 즉시 사용 가능한 현금으로 얼마나 잘 전환하는지를 나타냅니다. 비율이 높을수록 현금 창출 능력이 우수합니다. | +18.1% | -62.6% | +388.2% |
| 부채/자본재무 리스크 지표입니다. 차입금으로 구축된 자산과 주주의 자기자본 비율을 비교합니다. 높으면 레버리지가 크고 위험이 큽니다. | 9.7% | +299.7% | +2.5% |
| 유동비율12개월 생존 점검입니다. 현재 보유한 현금과 즉시 현금화 가능한 자산으로 1년 내 갚아야 할 즉시 청구서를 갚을 수 있는지를 비교합니다. 1 이상이면 당장 지급에 충분합니다. | 8.20x | — | +5.3% |
| 총자산회사의 절대적인 규모입니다. 계산대의 현금, 창고의 재고, 소프트웨어 특허, 공장 등 회사가 보유한 모든 가치 있는 자산을 합친 것입니다. | $22.5B | +35.9% | -0.7% |
| 지표 | 연간 (실적 vs 추정치) | 연간 서프라이즈 | 분기 (실적 vs 추정치) | 분기 서프라이즈 |
|---|---|---|---|---|
| EPS 서프라이즈 | 1.21 vs 0.78 | +55.1% | 0.25 vs 0.25 | 0.0% |
| 매출 서프라이즈 | $1.0B vs $191.9M | +437.2% | $261.7M vs $199.3M | +31.3% |
| 날짜 | 임원 | 직책 | 증권 | 구분 | 주식 수 | 가격 |
|---|---|---|---|---|---|---|
| Jun 15, 2026 | Downer Edward Michael | director | Class A Common Stock | D | 2 | $15.13 |
| May 28, 2026 | Pellegrino Nancy D | director | Restricted Stock Units | A | 5,513 | — |
| May 28, 2026 | Russell Kenneth D | director | Restricted Stock Units | A | 5,513 | — |
| May 28, 2026 | Cochran Patricia | director | Restricted Stock Units | A | 5,513 | — |
| May 28, 2026 | Downer Douglas E | director | Restricted Stock Units | A | 5,513 | — |
Operator: Good morning, ladies and gentlemen, and welcome to the Mechanics Bancorp Second Quarter 2026 Earnings Conference Call. As a reminder, this conference call is being recorded. I would now like to turn the call over to Nathan Duda, Chief Financial Officer of mechanics. Please go ahead. Nathan Duda: Thank you, operator, and good morning, everyone. We appreciate you joining our earnings conference call. With me here today are C.J. Johnson, our President and CEO; and Carl Webb, our Executive Chairman. The related earnings press release and earnings presentation are available on the News and Events section of our Investor Relations website. Before we begin, I'd like to remind everyone that any forward-looking statements are subject to risks uncertainties and other factors that could cause actual results to differ materially from those anticipated future results. Please see our safe harbor statements in our earnings press release and in our earnings presentation. All comments expressed or implied made during today's call are subject to those safe harbor statements. Any forward-looking statements made during this call are made only as of today's date, and we do not undertake any duty to update such forward-looking statements, except as required by law. Additionally, during today's call, we may discuss certain non-GAAP financial measures, which we believe are useful in evaluating our performance. A reconciliation of these non-GAAP financial measures to the most comparable GAAP financial measures can also be found in our earnings release and in the earnings presentation. C.J., let me hand it over to you. C. Johnson: Thank you, Nathan, and good morning. We appreciate everyone joining our call and for your interest in Mechanics Bancorp. I'll start today by summarizing the highlights of our second quarter performance. I'll also provide another strategic update on the bank before handing things off to Nathan to review our financials in more detail. Carl, Nathan and I will then open up the call for your questions. With that, let's turn to Slide 4. We had a nice second quarter reporting $57.7 million in net income. On a fully diluted basis, we earned $0.25 per share, and our tangible book value per share increased to $7.56. This quarter, we paid a large dividend of $0.70 per share with the major driver being the successful closure of our DUS business line sale to Fifth Third in early May. Q2 did have a few noncore items, which I'll walk you through quickly. We had 3 onetime noninterest income adjustments, including a $1.8 million MSR valuation gain, a final true-up of $900,000 related to the DUS sale, and a $600,000 loss on a sale of an old branch property that's been closed for a while. We also incurred $5.9 million of merger expenses, primarily severance as we finished up our Homestreet integration and had a significant amount of head count reduction as a result. We also had a negative provision of $2.8 million, which we backed out of our core …
| 이름 | 직함 | 보수 | 성별 | 출생 연도 | 상태 |
|---|---|---|---|---|---|
Nathan J. Duda | Executive Vice President & Chief Financial Officer | USD 797,313 | Male | 1979 | Active |
Scott A. Givans | Executive VP & Chief Credit Officer of Mechanics Bank | USD 674,269 | Male | 1962 | Active |
C. J. Johnson | President & Chief Executive Officer | — | Male | 1984 | Active |
Fernando Pelayo | Executive Vice President & Chief Accounting Officer | — | Male | 1978 | Active |
Glenn C. Shrader | Executive Vice President & General Counsel | — | Male | — | Active |
Carl Webb | Executive Chairman | — | Male | 1950 | Active |
Kristie S. Shields | Executive Vice President & Chief Compliance Counsel | — | Female | — | Active |
Christopher D. Pierce | Executive Vice President & Chief Operating Officer | — | Male | 1973 | Active |
David Louis | Senior Vice President and Director of Marketing & Communications | — | Male | — | Active |
Todd McGinley | Senior Vice President & Senior Portfolio Manager | — | Male | — | Active |
After losing some value lately, a hammer chart pattern has been formed for Mechanics Bank (MCHB), indicating that the stock has found support. This, combined with an upward trend in earnings estimate revisions, could lead to a trend reversal for the stock in the near term.
WALNUT CREEK, Calif.--(BUSINESS WIRE)--Mechanics Bancorp (Nasdaq: MCHB) today announced it has declared a cash dividend of $0.25 per share of Class A common stock and $2.50 per share of Class B common stock, each payable on September 1, 2026, to shareholders of record as of the close of business on August 29, 2026. About Mechanics Bancorp Mechanics Bancorp is headquartered in Walnut Creek, Calif., and is the financial holding company of Mechanics Bank, a full-service, FDIC-insured bank with $21.
Mechanics Bancorp (MCHB) Q2 2026 Earnings Call Transcript
Mechanics Bank (MCHB) came out with quarterly earnings of $0.27 per share, beating the Zacks Consensus Estimate of $0.25 per share. This compares to a loss of $0.16 per share a year ago.
Mechanics Bancorp (NASDAQ: MCHB):Second Quarter Highlights$21.2 billionTotal Assets$57.7 millionNet Income14.39%CET1 Ratio (1)$12.15Book Value Per Share$7.56Tan
