Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 41

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 41
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. 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, may take longer than expected or may impose conditions that are not presently anticipated or that could have an adverse effect on the combined company following the merger; |

| • | The unaudited pro forma combined condensed consolidated financial information included in this proxy statement/prospectus/consent solicitation statement is preliminary and the actual financial condition and results of operations of the combined company after the merger may differ materially; |

| • | Failure to complete the merger could negatively impact HomeStreet and/or Mechanics; |

| • | HomeStreet and Mechanics will be subject to business uncertainties and contractual restrictions in the merger agreement while the merger is pending; |

| • | The merger agreement limits HomeStreet’s ability to pursue alternatives to the merger and may discourage other companies from trying to acquire HomeStreet; |

| • | Each HomeStreet shareholder will have a substantially reduced ownership and voting interest, and each shareholder holding