Company: MCHB
Filing Date: 2025-07-15
Form Type: S-4/A
Source: 0001140361-25-025920
Chunk: 40

Company: Mechanics Bancorp
Filing Date: 2025-07-15
Form: S-4/A
Chunk 40
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 to the section entitled “ Material U.S. Federal Income Tax Consequences of the Merger.” The United States federal income tax consequences described above may not apply to all U.S. holders of Mechanics common stock. Your tax consequences will depend on your individual situation. Accordingly, we strongly urge you to consult your tax advisor for a full understanding of the particular tax consequences of the merger to you. Risk Factors (page 29) The merger, HomeStreet and Mechanics are, and the combined company will be, subject to a number of risks. You should carefully read this proxy statement/prospectus/consent solicitation statement and give special consideration to the factors discussed in the section entitled “ Risk Factors.” You should carefully consider those risks before deciding

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on the matters being considered at the HomeStreet special meeting or to be acted on in the Mechanics consent solicitation. Such risks include, among others, those listed below. You should read and consider risk factors specific to each of HomeStreet’s business and Mechanics’ business, as such risks will also affect the combined company after the merger.

| • | Events impacting the financial services industry may adversely affect the businesses of HomeStreet, Mechanics and the combined company, the ability of the parties to obtain the requisite regulatory approvals and the market price of HomeStreet common stock; |

| • | The market price of HomeStreet common stock after the merger may be affected by factors different from those currently affecting the shares of HomeStreet common stock; |

| • | Future sales of shares by existing stockholders of HomeStreet and Mechanics could cause the combined company’s stock price to decline; |

| • | The opinion delivered by KBW to the HomeStreet board of directors in connection with the merger agreement will not reflect any changes in circumstances that may have occurred since the date of such opinion; |

| • | HomeStreet and Mechanics are expected to incur substantial costs related to the merger and integration, and these costs may be greater than anticipated due to unexpected events; |

| • | Combining HomeStreet and Mechanics may be more difficult, costly or time-consuming than expected, and HomeStreet and Mechanics may fail to realize the anticipated benefits of the merger; |

| • | The future results of the combined company following the completion of the merger may suffer if the combined company does not effectively manage its expanded operations; |

| • | The combined company may be unable to retain HomeStreet or Mechanics personnel successfully prior to integration and after the completion of the merger; |

| • | Regulatory approvals may not be received