MECHANICS BANCORP-A
MCHBNASDAQTrading Snapshot
- Day Range
- $757.43 β $769.01
- 52-Week Range
- $12.82 β $17.38
- Volume
- $2.42B
- Avg Volume
- $2.62B
- Shares Outstanding
- 220.3M
- Next Earnings
- Dec 16, 2026
Fundamentals Snapshot
- Annual Revenue
- $1.03B
- Last Q Revenue
- $262M
- P/E Ratio
- 11.8
- P/S Ratio
- 3.1x
- EPS (TTM)
- $1.21
- Dividend Yield
- 10.56%
- Dilution (1yr)
- +9.5%
Why Investors Own MCHB
- βHigh-growth profile β revenue up +29.6% YoY with expanding US Equity exposure.
- βHealthy economics β 40% gross margin and 6% free-cash-flow margin.
- βNew products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
MECHANICS BANCORP-A
MCHBAbout MECHANICS BANCORP-A
Mechanics Bank delivers a comprehensive suite of financial solutions, catering to the diverse needs of individual clients and small to mid-sized businesses. Its foundational offerings include a variety of checking and savings accounts. Beyond core deposit services, the bank provides an extensive portfolio of lending options, encompassing personal loans for homes and automobiles, various business financing such as term loans, lines of credit, equipment financing, and Small Business Administration (SBA) loans. It also specializes in multi-family, commercial, and owner-occupied real estate lending. The institution further supports its clients with credit and debit cards, sophisticated payable and receivable solutions, robust fraud prevention, and comprehensive cash management services. For businesses, it delivers merchant and payroll services, Paycheck Protection Program (PPP) solutions, and workplace benefit plans. Additional specialized services span foreign currency exchange, cashier's checks, wire transfers, overdraft protection, deposit and treasury services, alongside sophisticated wealth management offerings like trust and estate planning, investment and asset management, and retirement planning. Convenience is enhanced through its online and mobile banking platforms. The bank operates an extensive network of 115 branch locations strategically positioned across key Californian regions, including the Greater San Francisco, Sacramento, Los Angeles, and San Diego areas, as well as the Central Valley. Established in 1905, Mechanics Bank is headquartered in Walnut Creek, California.
Otter Score Breakdown
How it's scoredFive components, each rated 1β5β and equally weighted (20%), averaged to a 0β100 score:π Quality β gross marginπ Growth β revenue YoYβοΈ Valuation β P/S ratioβ‘ Momentum β 30-day price changeπ§ Dilution β 1-yr share issuance (buybacks score higher)Analyst Price Target
βLatest News & Updates
MECHANICS BANCORP-A tops quarterly estimates as demand accelerates
Revenue grew double digits with management guiding above consensus; margins continued to expand.
Analysts lift MCHB price targets on improving margins
Several firms raised targets, citing stronger free cash flow and a healthier backlog.
MECHANICS BANCORP-A announces new agreement to expand its footprint
The move broadens the companyβs reach and could add incremental revenue over the next year.