Mechanics Bancorp MCHB R2K

Financial Services · Banks - Regional · United States

https://www.mechanicsbank.com

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.

Market & Price

Market Cap

$3.26B

Current Price

$14.72

High / Low (52W)

$15.01 / $11.10

Beta

0.17

Valuation

Stock P/E

0.03

Industry PE

12.01

Forward P/E

12.17

PEG Ratio

Book Value

$12.61

Price to Book

1.17

P/S

4.74

EV/EBITDA

Dividend Yield

19.30%

Profitability & Returns

ROCE

ROE

10.30%

ROA

1.40%

Profit Margin

38.68%

Op Margin

40.18%

EPS (Latest Qtr)

$0.19

EPS (TTM)

$451.48

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$219.63M

Total Assets

$22.35B

Current Assets

Working Capital

Ownership

Promoter Holding

82.09%

Chg in Prom Hold

FII / Inst Holding

12.74%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$2.94B

Total Revenue (TTM)

$687.87M

EBITDA

Free Cash Flow

Operating Cash Flow

$206.43M

Shares Outstanding

220.29M

Gross Margin

0.00%

Payout Ratio

327.59%

Growth (CAGR)

Revenue 5Y

1.02%

Profit 5Y

Revenue (YoY)

30.70%

Earnings (YoY)

-4.00%

PROS

Excellent profit margin of 38.7%.
Attractive dividend yield of 19.30%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	MCHB Mechanics Bancorp R2K	14.72	0.03	$3.26B	19.30%	-	10.30%	1.02%	-
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	145.38M	141.86M	-	160.65M	201.09M	196.56M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	48.45M	45.13M	-	59.22M	73.67M	62.89M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	67.19M	61.45M	-	45.10M	153.95M	61.87M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15.53M	17.66M	-	-10.06M	29.65M	17.78M
Net Income	12.38M	9.96M	8.68M	6.41M	21.75M	27.70M	2.29M	8.98M	11.21M	13.84M	34.91M	5.87M	7.10M	11.84M	15.23M	-1.72M	-5.59M	13.83M	10.99M	7.14M	18.90M	26.35M	29.66M	29.16M	27.17M	19.95M	17.72M	20.37M	5.06M	-31.44M	2.29M	-7.50M	-6.24M	-	51.66M	43.79M	-4.41M	55.16M	124.30M	44.09M
Diluted EPS	0.56	0.45	0.39	0.27	0.87	1.11	0.09	0.33	0.41	0.51	1.29	0.22	0.26	0.44	0.56	-0.06	-0.22	0.55	0.45	0.30	0.81	1.15	1.35	1.37	1.31	1.01	0.94	1.08	0.27	-1.67	0.12	-0.40	-0.33	0.18	-	0.20	-0.23	-	0.54	0.19

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	687.94M	694.97M	-	373.07M	650.12M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	216.55M	226.05M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.70M	319.55M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.70M	53.81M
Net Income	-34.25M	16.12M	82.13M	23.81M	22.26M	41.32M	58.15M	68.95M	40.03M	17.51M	79.99M	-	-	-	29.00M	265.74M
Diluted EPS	-6.34	2.80	5.98	1.61	1.49	1.96	2.34	2.54	1.47	0.65	3.47	-	-	3,143.85	0.13	1.22

Compounded Sales Growth

5 Years:	1.02%
1 Year:	30.70%

Compounded Profit Growth

5 Years:	-
1 Year:	-4.00%

Stock Price Performance

1 Year:	+23.50%
6 Months:	+8.73%
3 Months:	+11.30%
1 Month:	+1.73%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Sep 2014	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Sep 2025	Dec 2025
Total Assets	-	-	2.26B	2.63B	3.07B	-	3.54B	4.89B	6.24B	6.74B	7.04B	6.81B	7.24B	-	-	-	16.49B	22.71B	22.35B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	217.10M	72.64M	263.30M	25.29M	33.91M	-	30.50M	32.68M	53.93M	72.72M	57.98M	57.88M	58.05M	-	-	-	999.71M	-	1.03B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	2.18B	2.37B	2.80B	-	3.23B	4.43B	5.61B	6.04B	6.30B	6.13B	6.52B	-	-	-	14.19B	-	19.49B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	61.86M	61.90M	64.81M	64.80M	61.86M	61.86M	125.15M	125.27M	125.46M	125.65M	125.84M	-	-	-	-	-	144.46M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	56.09M	-	231.25M
Total Equity	98.40M	58.79M	86.41M	263.76M	265.93M	-	302.24M	465.27M	629.28M	704.38M	739.52M	679.72M	717.75M	-	-	-	2.30B	2.77B	2.86B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	220.92M	-	221.31M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-43.04M	89.72M	-391.87M	304.03M	-348.64M	8.31M	-44.79M	159.33M	286.01M	258.83M	-25.55M	173.03M	318.18M	266.00M	292.26M	193.59M
Investing Cash Flow	618.60M	331.88M	-102.86M	-459.88M	-84.24M	-418.33M	-819.27M	-556.19M	-564.05M	107.02M	-232.62M	-125.64M	258.06M	1.67B	476.21M	1.55B
Financing Cash Flow	-720.02M	-230.94M	256.71M	164.48M	429.47M	412.20M	885.33M	414.41M	262.72M	-366.56M	258.34M	-40.23M	-1.25B	-813.45M	-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	-9.48M	-6.87M	-6.37M	-6.51M
Free Cash Flow	-43.30M	87.96M	-403.27M	281.19M	-368.53M	-12.25M	-69.28M	117.04M	276.29M	256.57M	-28.84M	170.09M	308.70M	259.13M	285.89M	187.08M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-669.67M	1.13B	-457.86M	30.27M
Share Buybacks	-	-	-	-	-	-	-	-	0	98.54M	58.01M	84.15M	75.00M	0	-	-
Dividends Paid	-	-	0	0	1.63M	0	0	-	-	-	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.8%	40.9%
ROE %	-58.3%	18.7%	31.1%	9.0%	7.4%	8.9%	9.2%	9.8%	5.4%	2.6%	11.1%	-	-	-	1.3%	9.3%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

82.09%

Institutions

12.74%

Public Float

71.11%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	1.56%	3.43M	$50.44M
2	Mechanics Bank Trust Department	1.04%	2.30M	$33.88M
3	Vanguard Capital Management LLC	0.94%	2.08M	$30.62M
4	State Street Corporation	0.78%	1.71M	$25.18M
5	Geode Capital Management, LLC	0.64%	1.42M	$20.91M
6	Composition Wealth, LLC	0.51%	1.12M	$16.42M
7	GW&K Investment Management, LLC	0.51%	1.13M	$16.68M
8	Bank Of New York Mellon Corporation	0.50%	1.10M	$16.17M
9	Dimensional Fund Advisors LP	0.35%	773.37K	$11.38M
10	J. Goldman & Co., L.P.	0.31%	684.18K	$10.07M

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SeekingAlpha Earnings Sun, 31 May 2026

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MCHB · Financial Services