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Mechanics Bancorp Class A ( (MCHB) ) just unveiled an announcement.
On January 30, 2026, Mechanics Bancorp reported that fourth-quarter 2025 net income jumped to $124.3 million, or $0.54 per diluted share, from $55.2 million in the third quarter, while full-year 2025 net income surged to $265.7 million, or $1.22 per diluted share, compared with $29.0 million in 2024, largely reflecting the impact of its September 2, 2025 merger of HomeStreet Bank into Mechanics Bank and a preliminary $145.5 million bargain purchase gain tied to that transaction. As of December 31, 2025, the company reported $22.4 billion in assets, $14.2 billion in loans, $19.0 billion in deposits, a loans-to-deposits ratio of 75%, and robust preliminary regulatory capital ratios, while noting the payoff of all HomeStreet FHLB borrowings and brokered deposits, lower non-recurring acquisition and integration costs in the quarter, and the early adoption of new accounting standards for purchased seasoned loans that drove a reversal of prior credit-loss provisions and an updated valuation connected to an agreed sale of its Fannie Mae DUS business line to Fifth Third Bank, expected to close in early 2026.
The most recent analyst rating on (MCHB) stock is a Hold with a $16.00 price target. To see the full list of analyst forecasts on Mechanics Bancorp Class A stock, see the MCHB Stock Forecast page.
Spark’s Take on MCHB Stock
According to Spark, TipRanks’ AI Analyst, MCHB is a Neutral.
The score is driven primarily by improving (but still uneven) financial performance and supportive technical momentum. Offsetting this, valuation is less attractive/clear due to the negative P/E, while recent corporate actions (merger integration progress, dividend, and planned DUS sale) provide an additional positive tailwind.
To see Spark’s full report on MCHB stock, click here.
More about Mechanics Bancorp Class A
Mechanics Bancorp (Nasdaq: MCHB) is a financial holding company based in Walnut Creek, California, and the parent of Mechanics Bank. The company operates in the banking sector, offering a range of lending and deposit services, with a balance sheet totaling $22.4 billion in assets as of December 31, 2025, and a focus on maintaining strong capital ratios and a low-cost, deposit-funded balance sheet without reliance on wholesale funding.
Average Trading Volume: 650,470
Technical Sentiment Signal: Hold
Current Market Cap: $3.45B
For detailed information about MCHB stock, go to TipRanks’ Stock Analysis page.