Mechanics Bank cash flow to debt ratio of 69.44% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Mechanics Bank's free cash flow has decreased 34.56% from $285.89M last year to $187.08M, signaling decreasing performance

Mechanics Bank's debt to equity ratio is 0.08, which means that the company's assets are healthy financed, signaling financial stability.

Mechanics Bank's debt has increased relative to shareholder equity from 0.02 last year to 0.08 today, signaling weakened financials

Mechanics Bank has a net cash position, so leverage is healthy.

Mechanics Bank earns at least as much interest as it pays. Interest obligations are fully covered.

Mechanics Bank's profit margin has increased (439.47%) in the last year from 4.92% to 26.53%, signaling increasing performance

Mechanics Bank's short-term assets of $1.13B exceed its short-term liabilities of $138.13M

Mechanics Bank's return on assets of 1.32% is lower than the 5.00% threshold, indicating inefficient asset utilization

Mechanics Bank's return on equity of 10.12%, is lower than 15.00%, indicating bad performance

Mechanics Bank's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Mechanics Bank had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Mechanics Bank has positive free cash flow, indicating the company generates cash after capital expenditures

Mechanics Bank has a free cash flow yield of 5.08%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Mechanics Bank's yearly earnings has increased 816.37% since last year from $29.00M to $265.74M, signaling increasing performance

Mechanics Bank's yearly revenue has increased 147.25% since last year from $328.32M to $811.76M, signaling increasing performance

ROIC 1.43% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Mechanics Bank's 3-year revenue CAGR of 13.57% is positive, indicating growing revenue over the past 3 years

Mechanics Bank had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Mechanics Bank had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Mechanics Bank has insufficient data to evaluate this check.

Mechanics Bank has an earnings yield of 7.25%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Mechanics Bank is overvalued relative to its fair value price of 13.91 based on EBITDA multiple model

Mechanics Bank has an EV/EBITDA ratio of 8.72x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Mechanics Bank is undervalued relative to its fair value price of 32.40 based on Earnings Fair Value model

Mechanics Bank has a PEG-ratio under 1 which is considered undervalued

Mechanics Bank has a price-to-book ratio of 1.44x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Mechanics Bank has a price-to-sales ratio of 3.66x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue