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Mechanics Bank
MCHB
NASDAQ·Financial Services·Banks - Regional·Mkt cap $3.6B
$16.15
▼ -1.27%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$12.46 - $16.51
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 25.0% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Regional market dominance with 115 branches across California's high-growth corridors
- 118-year operating history and established relationships with small to middle-market business community
- Comprehensive product suite reducing customer switching costs and enabling cross-selling opportunities
- Deep local expertise in underserved small business segment with less competition from mega-banks
Bear Case
2 risks
- Low volatility (beta 0.2).
- Growth premium of 1.4x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Mild headwinds expected
Net interest margin expansion from higher interest rate environment and loan portfolio growth
Value
Growth premium of 1.4x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Strong
+9.6% over 3m
Quality
Excellent
High-growth business (32% revenue growth, 69% gross margin). Profitable with strong growth momentum.
Dividend
High yield
8.01% yield
Smart-money signal
Who's buying MCHB right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 27, 2026
APR 30, 2026
Reported EPS of $0.21 vs $0.26 consensus (-19.2% surprise). Revenue of $200.1M vs $258.2M expected (-22.5%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-19.2%
Next: Apr 27, 2026
Revenue trend · last 8Q
—
—
-64%
+10%
+17%
+383%
+1900%
+32%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$35.3M
$31.9M
$13.7M
$187.0M
$98.1M
$277.4M
$274.8M
$246.1M
Margins · last 8Q
Gross
71.3%
Operating
25.1%
Profit
17.9%
Wall Street consensus
1 analyst · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
$17.00
▲ +5.3% vs $16.15
Latest: Stifel · $17.00 · May 28, 2026
3 analysts covering