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Mechanics Bancorp

MCHB

$16.64 ▼ -0.15 (-0.89%) at close

17 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Mechanics Bancorp shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $3.5B

Dividend Yield —

Revenue Growth 112.8% ↗

Op. Margin 39.5% ↗

ROIC None

FCF / Share None

Trailing P/E 13.1x

Price / Book 1.3x

FCF Yield —

Debt / Equity 0.07

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$808.62M

↑ +112.8% —

Net Income Profit after all expenses

$265.74M

↑ +816.4% —

Operating Margin Operating profit as % of sales

39.5%

↑ +320.7% 93th

Long-Term Debt Long-term obligations

$192.01M

— —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.65 Latest / share

-53.6% YoY

+34.5% 7-yr CAGR

$0.11

FY 2014

$0.00

FY 2015

$0.00

FY 2016

FY 2017

FY 2018

FY 2019

$0.60

FY 2020

$1.00

FY 2021

$1.40

FY 2022

$0.65

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	112.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1779%)	82.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1269%)	-26.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-546%)	-17.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-399%)	-3.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-151%)	35.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+495%)	16.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+175%)	-55.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1022%)	-6.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-201%)	25.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+325%)	51.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+751%)	7.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+20%)	-11.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-287%)	105.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1651%)	12.3% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+105%)	—	—
EPS Growth YoY (%)	807.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-36.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	58.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	430.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-55.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-42.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	19.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	32.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-9.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-73.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	107.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	816.4% Excellent Excellent Year-over-year change in net income	N/M	N/M	-42.4% Weak ↓ Weak Declining Year-over-year change in net income	44.3% Excellent ↓ Excellent Declining Year-over-year change in net income	356.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-56.2% Weak ↓ Weak Declining Year-over-year change in net income	-41.9% Weak ↓ Weak Declining Year-over-year change in net income	18.6% Good ↓ Good Declining Year-over-year change in net income	40.7% Excellent ↑ Excellent Improving Year-over-year change in net income	85.6% Excellent ↓ Excellent Declining Year-over-year change in net income	-6.5% Weak ↓ Weak Declining Year-over-year change in net income	-71.0% Weak Weak Year-over-year change in net income	409.5% Excellent Excellent Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	41.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	3.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-16.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	15.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	-10.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-21.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-19.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	21.2% Excellent → Excellent Stable Compound annual revenue growth over 3 years	26.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	12.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	25.0% Excellent Excellent Compound annual revenue growth over 3 years	26.9% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	17.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	7.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-1.6% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-10.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-8.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-3.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-3.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	29.9% Excellent Excellent Compound annual revenue growth over 5 years	27.1% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-28.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-70.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	74.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	55.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	-34.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-9.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	19.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	-31.5% Weak Weak Compound annual EPS growth over 3 years	-20.5% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	39.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	9.4% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	-15.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-163%)	29.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	42.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	28.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	18.5% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	12.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	13.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	16.8% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	13.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	11.7% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	13.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	34.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	10.9% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	-25.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-203%)	—
Effective Tax Rate (%) (%)	16.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-4.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.4% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	32.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	7.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	-13.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-160%)	23.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	33.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	22.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	6.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	17.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	13.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	10.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	9.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	7.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	9.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	27.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	11.1% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	-26.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-220%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	1.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	-5.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-143%)	11.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	16.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	2.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	5.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	9.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	9.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	8.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	31.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+159%)	18.7% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+55%)	-58.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-585%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	3.66x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+205%)	2.21x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+84%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.63x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-48%)	0.18x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.17x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.18x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.20x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.24x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.23x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.72x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$3.88	$1.88	$11.11	$15.05	$16.62	$15.66	$10.32	$8.40	$18.86	$21.90	$20.63	$19.21	$18.40	$22.44	$26.96	$24.01	—
Basic EPS, GAAP (USD)	$1.27	$0.14	$-1.46	$3.51	$5.53	$3.50	$0.66	$1.48	$2.57	$2.36	$1.98	$1.50	$1.65	$6.17	$2.98	$-6.34	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	$0.65	$1.40	$1.00	$0.60	—	—	—	$0.00	$0.00	$0.11	$0.33	$0.00	—	—	—
Book Value per Share (USD)	$13.30	$11.40	$28.62	$30.01	$35.61	$32.93	$28.45	$27.39	$26.20	$23.48	$21.08	$20.34	$17.97	$18.34	$0.02	$10.88	—
Tangible Book Value per Share (USD)	$8.24	$7.03	$28.62	$28.52	$35.61	$32.93	$27.26	$26.56	$25.36	$22.65	$20.55	$19.54	$17.15	$18.31	$0.02	$10.88	—
Basic Weighted Avg Shares (shares)	208.63M	201.99M	18.78M	18.93M	20.89M	22.87M	25.57M	26.97M	26.86M	24.62M	20.82M	14.80M	14.41M	13.31M	5.40M	5.40M	—
Dividend Payout Ratio (%)	—	—	-44.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	39.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	17.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$192.01M	$0.00	$224.77M	$224.40M	$126.03M	$125.84M	$125.65M	$125.46M	$125.27M	$125.15M	$61.86M	$61.86M	$64.81M	$61.86M	$61.86M	—	—
Total Equity (USD)	$2.77B	$2.30B	$538.39M	$562.15M	$715.34M	$717.75M	$679.72M	$739.52M	$704.38M	$629.28M	$465.27M	$302.24M	$265.93M	$263.76M	$86.41M	$58.79M	$98.40M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$808.62M	$380.05M	$208.67M	$284.88M	$347.03M	$358.03M	$263.82M	$226.50M	$506.59M	$539.20M	$429.57M	$284.33M	$265.19M	$298.76M	$145.70M	$129.75M	—
Depreciation Expense (USD)	$10.62M	$9.38M	—	—	—	—	$10.80M	$13.90M	$13.50M	$11.40M	$10.90M	$7.40M	$4.60M	$2.70M	$2.00M	$2.40M	—
Net Income, GAAP (USD)	$265.74M	$29.00M	$-27.51M	$66.54M	$115.42M	$79.99M	$17.51M	$40.03M	$68.95M	$58.15M	$41.32M	$22.26M	$23.81M	$82.13M	$16.12M	$-34.25M	—
Operating Cash Flow (USD)	$193.59M	$292.26M	$8.02M	$218.33M	$173.03M	$-25.55M	$258.83M	$286.01M	$159.33M	$-44.81M	$8.31M	$-348.64M	$304.03M	$-391.87M	$89.72M	$-43.04M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	2.6%	3.1%	1.8%	2.5%	3.2%	2.9%	2.8%	2.7%	2.9%	2.9%	3.0%	2.8%	2.4%	2.3%	2.1%	—	—
Efficiency Ratio (%) (%)	58.1%	91.0%	115.9%	72.1%	62.1%	65.8%	81.7%	86.2%	86.8%	82.4%	85.3%	88.6%	86.5%	61.5%	86.8%	97.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 64 quarters

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