All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
4 warning events since 2017; the latest 2026-03-17.
From the record
Mechanics Bancorp's filings since 2017 show 4 warning events of 2 kinds: an auditor change (8-K item 4.01, 2 times, the latest 2023-03-06); a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2026-03-17) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+16.2% a year over 10 filed years; profitable in 9 of 10.
From the record
Mechanics Bancorp's 10 filed years say what it did: revenue went from $210 million in fiscal 2016 to $812 million in fiscal 2025, up 16.2% a year; it rose in 7 of 9 years; the deepest fall was 12% from fiscal 2019 to fiscal 2021; net income was positive in 9 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 122.1% a year. 32% of cash flow returned. Insiders: 1 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Mechanics Bancorp's diluted share count grew about 122.1% a year, and dividends and buybacks returned about 32% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 9%: 9¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Mechanics Bancorp earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 3.3% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 14% of 155 in its family; net margin 32.7%.
From the record
Mechanics Bancorp's standing among 155 graded names in its industry family: revenue of $812 million in fiscal 2025 ranks in the top 28% by size; a net margin of 32.7% ranks in the top 9%; revenue growth of 38.7% a year over the last 3 filed years ranks in the top 5% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 35% of 150 in its family for leadership; chief executive since 2026.
From the record
Mechanics Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Johnson, Coleman James (President & CEO, as filed), filing under that title since 2026-01-05, 10 months (bottom 9% of its family); the 33 officers and directors filing in the last fifteen months have been on the record a median of 3.2 years (bottom 2%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 33 people in charge now (top 5%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 48% of 142 in its family for room to expand.
From the record
Mechanics Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $1.0 billion against debt of $192 million leaves 3.7% of its assets as net cash, top 43% of its family; cash from operations less capital spending is 23% of revenue (bottom 47%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 29% of 152 in its family for growth drivers.
From the record
Mechanics Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 38.7% a year over the last three filed years against 16.2% over all 10, speeding up (top 1% of its family); the newest year grew 10.3% (top 26%); capital spending grew -1.4% a year (bottom 41%) (its annual reports). Mechanics Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 32% of 150 in its family for expectations against reality.
From the record
Mechanics Bancorp's newest year against its own record: revenue of $812 million in fiscal 2025 came in 29% below the $1.1 billion its prior three years' pace pointed to (bottom 6% of its family); net income of $266 million against a prior three-year average of $23 million (top 1%); a net margin of 32.7% against 6.3% before (top 2%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made