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Mechanics Bancorp MCHB R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.mechanicsbank.com
Company Profile ↓
$15.82
+30.43% 1Y
Mkt Cap$3.49B
P/E12.66
P/B1.43
Div. Yield7.80%
52W High$16.90
52W Low$11.52
Book Value$11.62
EPS (TTM)$1.25

Company Overview

Mechanics Bancorp operates as the holding company for Mechanics Bank that provides banking services in California, Oregon, Washington, and Hawaii.It offers various checking and savings accounts, retirement accounts, money market accounts, time certificates of deposit, and safe deposit boxes. The company also provides home loans, auto loans, term loans and lines of credit, owner occupied real estate lending services, small business lending loans, multi-family lending services; mortgage and consumer lending loans; commercial real estate loans; residential construction loans; private banking, such as loan program, personal lines of credit and investment management and trust lines of credit. In addition, it offers unsecured consumer installment loans and personal reserve accounts; automated bill payments, remote and mobile deposit capture, automated clearing house origination, wire transfer, lockbox, payee positive pay, and direct deposit; digital banking. Further, the company provides real estate, escrow services, title, labor unions, nonprofits and property management services. Mechanics Bancorp was founded in 1905 and is headquartered in Walnut Creek, California.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 27.1% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 12.7, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 37.9%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.08.

Dividend Income

Offers a dividend yield of 7.80%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $49.73M (+3.3% YoY); net profit $265.74M.
  • Trailing 12 Months Year-on-year growth — revenue +36.3%, earnings +23.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.3%, profit CAGR 27.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.33%
1 Year:36.30%

Compounded Profit Growth

5 Years:27.14%
1 Year:23.90%

Stock Price Performance

1 Year:+30.43%
6 Months:+17.07%
3 Months:+7.20%
1 Month:-4.29%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 80% of range
$11.52 $16.90
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)44.96 · Neutral
Price Performance
1M-4.29%
3M+7.20%
6M+17.07%
1Y+30.43%
Valuation vs Sector

P/E of 12.66 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 37.9%.
  • Profit CAGR of 27.1% over 5 years.
  • Attractive dividend yield of 7.80%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.66
Industry PE
14.52
Forward P/E
13.22
PEG Ratio
-
Book Value
$11.62
Price to Book
1.43
P/S
4.96
EV/EBITDA
-
Dividend Yield
7.80%

Growth (CAGR)

Revenue 5Y
3.33%
Profit 5Y
27.14%
Revenue (YoY)
36.30%
Earnings (YoY)
23.90%

Profitability & Returns

ROCE
-
ROE
11.02%
ROA
1.49%
Profit Margin
37.88%
Op Margin
46.84%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.26
EPS (TTM)
$1.25

Balance Sheet & Liquidity

Debt/Equity
0.08
Quick Ratio
-
Current Ratio
-
Debt
$288.59M
Total Assets
$21.23B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
82.08%
Chg in Prom Hold
-0.00%
FII / Inst Holding
11.59%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$3.49B
Total Revenue (TTM)
$742.47M
EBITDA
-
Free Cash Flow
$187.08M
Operating Cash Flow
$193.59M
Shares Outstanding
220.31M
Gross Margin
0.00%
Payout Ratio
48.80%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 MCHB Mechanics Bancorp R2KR3KFINANCIAL 15.82 12.66 $3.49B 7.80% - 11.02% 3.33% 27.14%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue ----------------------------------12.29M11.50M-12.42M13.02M13.61M
Net Income 10.30M12.38M9.96M8.68M6.41M21.75M27.70M2.29M8.98M11.21M13.84M34.91M5.87M7.10M11.84M15.23M-1.72M-5.59M13.83M10.99M7.14M18.90M26.35M29.66M29.16M27.17M19.95M17.72M20.37M5.06M-31.44M2.29M-7.50M-6.24M39.94M43.79M-4.41M55.16M44.09M57.70M
Diluted EPS 0.590.560.450.390.270.871.110.090.330.410.511.290.220.260.440.56-0.06-0.220.550.450.300.811.151.351.371.311.010.941.080.27-1.670.12-0.40-0.330.200.22-0.230.260.200.26

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue --------------48.13M49.73M
Net Income -34.25M16.12M82.13M23.81M22.26M41.32M58.15M68.95M40.03M17.51M79.99M115.42M66.54M-27.51M29.00M265.74M
Diluted EPS -6.342.805.981.611.491.962.342.541.470.653.475.463.49-1.460.141.27

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Sep 2014Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Sep 2025Dec 2025
Total Assets --2.26B2.63B3.07B-3.54B4.89B6.24B6.74B7.04B6.81B7.24B7.20B9.36B9.39B16.49B22.71B22.35B
Total Equity 98.40M58.79M86.41M263.76M265.93M-302.24M465.27M629.28M704.38M739.52M679.72M717.75M715.34M562.15M2.24B2.30B2.77B2.86B
Cash & Equivalents 217.10M72.64M263.30M25.29M33.91M-30.50M32.68M53.93M72.72M57.98M57.88M58.05M65.21M72.83M215.66M999.71M-1.03B
Long Term Debt --61.86M61.90M64.81M64.80M61.86M61.86M125.15M125.27M125.46M125.65M125.84M126.03M224.40M224.77M0-192.01M
Total Liabilities --2.18B2.37B2.80B-3.23B4.43B5.61B6.04B6.30B6.13B6.52B6.49B8.80B8.85B14.19B-19.49B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -43.04M89.72M-391.87M304.03M-348.64M8.31M-44.79M159.33M286.01M258.83M-25.55M173.03M218.33M8.02M292.26M193.59M
Investing Cash Flow 618.60M331.88M-102.86M-459.88M-84.24M-418.33M-819.27M-556.19M-564.05M107.02M-232.62M-125.64M-2.65B484.05M476.21M1.55B
Financing Cash Flow -720.02M-230.94M256.71M164.48M429.47M412.20M885.33M414.41M262.72M-366.56M258.34M-40.23M2.44B-349.24M-1.23B-1.71B
Capital Expenditure -260.00K-1.76M-11.40M-22.84M-19.90M-20.56M-24.48M-42.29M-9.72M-2.26M-3.30M-2.94M-6.79M-3.81M-6.37M-6.51M
Free Cash Flow -43.30M87.96M-403.27M281.19M-368.53M-12.25M-69.28M117.04M276.29M256.57M-28.84M170.09M211.54M4.21M285.89M187.08M
Net Change in Cash ---------------457.86M30.27M
Share Buybacks --------098.54M58.01M84.15M75.00M0--
Dividends Paid --001.63M00---------

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % --------------60.3%534.4%
ROE % -58.3%18.7%31.1%9.0%7.4%8.9%9.2%9.8%5.4%2.6%11.1%16.1%11.8%-1.2%1.3%9.3%
ROCE % ----------------

Shareholding Pattern

Insiders
82.08%
Institutions
11.59%
Public Float
64.71%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 1.40% 3.08M $48.97M
2 Mechanics Bank Trust Department 1.02% 2.24M $35.63M
3 State Street Corporation 0.78% 1.72M $27.37M
4 Vanguard Capital Management LLC 0.75% 1.65M $26.21M
5 Geode Capital Management, LLC 0.63% 1.38M $21.89M
6 GW&K Investment Management, LLC 0.62% 1.36M $21.62M
7 Composition Wealth, LLC 0.51% 1.12M $17.73M
8 Bank Of New York Mellon Corporation 0.49% 1.09M $17.29M
9 Dimensional Fund Advisors LP 0.35% 761.46K $12.10M
10 Charles Schwab Investment Management, Inc. 0.24% 532.29K $8.46M

Analyst View

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Latest News

Recent headlines for MCHB

Google News Fri, 04 Sep 2026

Mechanics Bank (MCHB) Upgraded to Buy: What Does It Mean for the Stock? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMingFBVV95cUxPUC01RjJWbWJxNWotRG81c0xtN0tDaU43THhWTUJzR29yMzRWbGJoWXZCMHVjc0xWd2ZHV25ZTzBJUk1KLVJRT0RjbGtTVjVxQm9aaXZQaHRYRUd3LUF3YWdiZ1ZOVmVMVnVJbGhzOC10dWNyemFDM1BDWkx6QWdPTlotemI3N05LVHBXU1…

Google News Fri, 04 Sep 2026

112,695 Shares in Mechanics Bancorp $MCHB Bought by Bank of America Corp DE - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxQUW5ON3h1eEJGLTZqLWQxVVcya0Z3dDhtZ3oxSFhqekMtaFRObkZ1OGhtYTdYWTBoMEZWVmJlYXpFaEgySmhGRXVjQW83bHcxVnRRbUJRSlZtdXdZSFBQckl3SWJvdEN2a2c1YTR4ZzdpOW9ockxNbUFaZmlJRVU2RUY3NWZVNUpmZ2dQWn…

Google News Wed, 19 Aug 2026

Mechanics Bancorp declares two dividend rates, $0.25 and $2.50 per share - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiqAFBVV95cUxQbXktOWNxTVk4cXRwZE5HT19GQWVDZUw0MW1FQlhhSXZRZUFWY0ZRMnI3T3d0ZnlzbkZPOUJFUXNtYm1HQld3MXRGSThjRTRwRW95NmVuczBhbkRFUFJ1ZEs4eWJ5aUg2RjMwZEtxV1NKdEJjU3dQVVlUV2lVNzZpSFZfRTVKNnA3TEU0V0…

Google News ue, 04 Aug 2026

Mechanics Bancorp: Looking Like A More Interesting Option For Income Investors (MCHB) - Seeking Alpha

<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxNSmstbDVacjE4YmR5aFNjekVHV29qTTVfbGtQSEUwTURfamFjZ0NwT0toNHloWHJ3UFIxMkFGY0U5VHphX0ZmU2E3WV9PbFR1ZUpheW0yNTBrWU1aOThHZERLRHk0MTU2UXltU0pNc3l5M0N5UHcydWtKSGFXMHhOanIzVEN5RzIzNUxoX1…

Google News hu, 30 Apr 2026

Mechanics Bancorp (NASDAQ:MCHB) Misses Q1 Estimates as Merger Costs and Geopolitical Provisions Weigh on Earnings - ChartMill

<a href="https://news.google.com/rss/articles/CBMi9AFBVV95cUxPcjFnTlAwNk03Ul9laS1VTDZRVzZYdFppb3E4SEFHeXBCR3g5eTFXblRYMmdfYnc2WXp6cXFWSFY0YVdTZ0NRVXVjWklld1BRZkluY2w3c0x3eDRUWkxhaWVXWG9wSzEyeEtxcFRjN0xoSGFSRWpZbWVKLXUyQWZHVlVPOWNWdkd6WS1XSz…

Google News Wed, 29 Jul 2026

MECHANICS BAN ($MCHB) Releases Q2 2026 Earnings - quiverquant.com

<a href="https://news.google.com/rss/articles/CBMijwFBVV95cUxQdmFoejk4Uk9jdzNaMG9oenVqY0hpMU9GSm9CUzZtLTRiMzNBdk82R1g5b2RtMXZuaUN5NW1naVlfMHZhWG1NOEt3ZWhxaU9Za0ZFTWg2cmRuOEtxNnBhdXI0SUV5bzd4d0lUYzlZMFQwb1VZdUx2ZlZNTW5wMGhXMVlfM2wwUE1QMWU5Q2…

MCHB — Frequently Asked Questions

What is the current share price of Mechanics Bancorp (MCHB)?

As of 2026-09-07 16:24 PDT, Mechanics Bancorp (MCHB) trades at $15.82 on NasdaqGS. Its 52-week range is $11.52 to $16.90.

What is the market capitalisation of MCHB?

Mechanics Bancorp (MCHB) has a market capitalisation of $3.49B on NasdaqGS.

What is the P/E ratio of MCHB?

MCHB trades at a trailing price-to-earnings (P/E) ratio of 12.66. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.43.

Does MCHB pay a dividend?

Mechanics Bancorp (MCHB) currently offers a dividend yield of 7.80%.

What is the return on equity (ROE) of MCHB?

MCHB has a return on equity (ROE) of 11.02%.

Is MCHB a good stock to buy?

This page provides a data-driven analysis of Mechanics Bancorp (MCHB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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