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Mechanics Bancorp MCHB R2K

Financial Services · Banks - Regional · United States
https://www.mechanicsbank.com
Company Profile ↓
$16.14
+31.38% 1Y
Mkt Cap$3.56B
P/E-0.02
P/B1.34
Div. Yield8.14%
52W High$16.36
52W Low$11.55
Book Value$12.06
EPS (TTM)$-680.31

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.

Healthy Margins

Maintains a net profit margin of 38.7%.

Dividend Income

Offers a dividend yield of 8.14%.

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 +30.7%, earnings -90.8%.
  • 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:30.70%

Compounded Profit Growth

5 Years:27.14%
1 Year:-90.80%

Stock Price Performance

1 Year:+31.38%
6 Months:+20.60%
3 Months:+13.18%
1 Month:+4.60%

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

Technical Snapshot Bullish
52-Week Range 95% of range
$11.55 $16.36
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)60.17 · Neutral
Price Performance
1M+4.60%
3M+13.18%
6M+20.60%
1Y+31.38%

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 38.7%.
  • Profit CAGR of 27.1% over 5 years.
  • Attractive dividend yield of 8.14%.
  • 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
-0.02
Industry PE
13.52
Forward P/E
13.38
PEG Ratio
-
Book Value
$12.06
Price to Book
1.34
P/S
5.22
EV/EBITDA
-
Dividend Yield
8.14%

Growth (CAGR)

Revenue 5Y
3.33%
Profit 5Y
27.14%
Revenue (YoY)
30.70%
Earnings (YoY)
-90.80%

Profitability & Returns

ROCE
-
ROE
10.30%
ROA
1.40%
Profit Margin
38.68%
Op Margin
40.18%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.20
EPS (TTM)
$-680.31

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$219.63M
Total Assets
$21.39B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
82.09%
Chg in Prom Hold
-
FII / Inst Holding
12.72%
Chg in FII Hold
-0.03%

Financial Snapshot

Enterprise Value
$3.56B
Total Revenue (TTM)
$687.87M
EBITDA
-
Free Cash Flow
$187.08M
Operating Cash Flow
$206.43M
Shares Outstanding
220.29M
Gross Margin
0.00%
Payout Ratio
327.59%

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 R2K 16.14 -0.02 $3.56B 8.14% - 10.30% 3.33% 27.14%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2014Mar 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 2026
Revenue -----------------------------------12.29M11.50M-12.42M13.02M
Net Income 5.62M10.30M12.38M9.96M8.68M6.41M21.75M27.70M2.29M8.98M11.21M13.84M34.91M5.87M7.10M11.84M15.23M-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-4.41M55.16M44.09M
Diluted EPS 0.380.590.560.450.390.270.871.110.090.330.410.511.290.220.260.440.56-0.06-0.220.550.450.300.811.151.351.371.311.010.941.080.27-1.670.12-0.40-0.330.200.22-0.230.260.20

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
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
82.09%
Institutions
12.72%
Public Float
71.01%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 1.56% 3.43M $55.54M
2 Mechanics Bank Trust Department 1.02% 2.24M $36.35M
3 Vanguard Capital Management LLC 0.94% 2.08M $33.72M
4 State Street Corporation 0.78% 1.71M $27.73M
5 Geode Capital Management, LLC 0.64% 1.42M $23.03M
6 Composition Wealth, LLC 0.51% 1.12M $18.09M
7 GW&K Investment Management, LLC 0.51% 1.13M $18.37M
8 Bank Of New York Mellon Corporation 0.50% 1.10M $17.81M
9 Dimensional Fund Advisors LP 0.35% 773.37K $12.54M
10 J. Goldman & Co., L.P. 0.31% 684.18K $11.09M

Analyst View

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Latest News

Recent headlines for MCHB

Google News Wed, 15 Jul 2026

Mechanics Bancorp Announces Date of Second Quarter 2026 Earnings Release and Conference Call - marketscreener.com

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Google News Sun, 21 Jun 2026

Is Mechanics Bancorp (MCHB) One of the Ultra-High Dividend Stocks to Buy for Income Investors? - Yahoo Finance

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Google News ue, 14 Jul 2026

MCHB Bond Coupon Profile — Rate & Payments - TradingView

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Google News Wed, 03 Sep 2025

symbol__ Stock Quote Price and Forecast - CNN

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Google News Sun, 03 May 2026

Assessing Mechanics Bancorp (MCHB) Valuation After Recent Share Price Moves - simplywall.st

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Google News hu, 30 Apr 2026

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

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MCHB — Frequently Asked Questions

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

As of 2026-07-15 16:51 PDT, Mechanics Bancorp (MCHB) trades at $16.14 on NasdaqGS. Its 52-week range is $11.55 to $16.36.

What is the market capitalisation of MCHB?

Mechanics Bancorp (MCHB) has a market capitalisation of $3.56B on NasdaqGS.

What is the P/E ratio of MCHB?

MCHB trades at a trailing price-to-earnings (P/E) ratio of -0.02. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.34.

Does MCHB pay a dividend?

Mechanics Bancorp (MCHB) currently offers a dividend yield of 8.14%.

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

MCHB has a return on equity (ROE) of 10.30%.

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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