Mechanics Bank
MCHB
NASDAQ·Financial Services·Banks - Regional·Mkt cap $3.5B
$15.82
▼ -0.13%
P/E
15.82
Mkt Cap
$3.5B
52-Wk Range
$12.70–$17.38
52-Week Range
$12.70 - $17.38
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 22.9% 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 0.1).
- Growth premium of 1.3x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Net interest margin expansion from higher interest rate environment and loan portfolio growth
Value
Growth premium of 1.3x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Strong
+5.3% over 3m
Quality
Excellent
High-growth business (213% revenue growth, 73% gross margin). Profitable with strong growth momentum.
Dividend
High yield
9.86% 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
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 29, 2026
JUL 29, 2026
Reported EPS of $0.27 vs $0.25 consensus (+8.0% surprise). Revenue of $201.0M vs $199.3M expected (+0.8%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+8.0%
Revenue trend · last 8Q
—
-64%
+10%
+17%
+383%
+1900%
+32%
+142%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$31.9M
$13.7M
$187.0M
$98.1M
$277.4M
$274.8M
$246.1M
$237.9M
Margins · last 8Q
Gross
0.0%
Operating
0.0%
Profit
24.3%
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
—
Latest: Raymond James · $17.00 · May 28, 2026
vs Industry
How MCHB stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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