MCHB logo

MECHANICS BANCORP-A

MCHBNASDAQ
πŸ† #1632 by market capEarnings Oct 29US Equity
$14.85β–Ό $0.08 (βˆ’0.54%)
Market closed Β· at close
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24hβ–Ό 0.5%
7dβ–Ό 0.9%
14dβ–Ό 3.2%
30dβ–Ό 5.7%
ytdβ–² 1.4%
1yβ–² 11.5%
🏦Market Cap
$3.27B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+74.8%
High Growth
πŸ“ŠGross Margin
73.1%
High
πŸ’΅FCF Margin
25.3%
Strong
βš–οΈP/S Ratio
3.1x
Fair
Otter Score
64
Fair

Trading Snapshot

Day Range
$14.80 – $15.03
52-Week Range
$12.82 – $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

  • βœ“High-growth profile β€” revenue up +29.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 40% gross margin and 6% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

MCHB logo

MECHANICS BANCORP-A

MCHB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.0Bβ–² +74.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
76.2%β–² +19.9% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$320Mβ–² +795.2% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$187Mβ–Ό βˆ’34.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
232.2Mβ–² +9.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$799Mβ–Ό βˆ’$145M YoY
StockOtter Β· stockotter.space

About 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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$16.80
β–² +13.1% Upside
High Target$18.59
Low Target$12.96
Based on 28 analysts

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