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MCHB Stock Chart & Stats
$16.05
$0.05(0.32%)
At close: 4:00 PM EDT
$16.05
$0.05(0.32%)
Day’s Range― - ―
52-Week Range$12.82 - $17.38
Previous CloseN/A
Volume24.86K
Average Volume (3M)503.67K
Market Cap
$3.30B
Enterprise Value$3.27B
Total Cash (Recent Filing)$4.67B
Total Debt (Recent Filing)$208.59M
Price to Earnings (P/E)11.4
Beta0.35
Next Earnings
Oct 29, 2026EPS Estimate
0.28Next Dividend Ex-DateN/A
Dividend Yield10.94%
Share Statistics
EPS (TTM)1.25
Shares Outstanding220,312,060
10 Day Avg. Volume545,139
30 Day Avg. Volume503,667
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)1.12
Price to Sales (P/S)3.10
P/FCF Ratio17.10
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue3.09
Enterprise Value/Gross Profit4.22
Enterprise Value/Ebitda7.55
Forecast
1Y Price Target
$17.50Price Target Upside9.03% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.05
Revenue Forecast (FY)$805.42M
Bulls Say, Bears Say
Bulls Say
Durable Deposit FranchiseThe broad branch network and long customer relationships provide a durable community-banking franchise, supporting recurring deposit funding and cross-selling opportunities. A stable deposit base can reduce reliance on wholesale funding and strengthen the bank’s ability to grow core lending over time.
Strong Capital PositionRobust regulatory capital and excess capital above management’s leverage target provide meaningful balance-sheet resilience. This supports continued lending, absorbs potential credit losses, and gives management flexibility to return capital while pursuing longer-term growth and balance-sheet optimization.
Balance-Sheet OptimizationExiting most of the runoff indirect auto portfolio simplifies the balance sheet and reduces exposure to a non-core lending segment. Redeploying capital toward higher-value uses may sharpen strategic focus, improve liquidity, and support more consistent profitability across the core banking franchise.
Bears Say
Elevated CRE ConcentrationA CRE concentration of 342% of capital leaves earnings and capital more sensitive to deterioration in commercial real estate conditions. Although portfolio metrics are described as lower risk, concentration can amplify losses and constrain balance-sheet flexibility during a prolonged property downturn.
Deposit Mix PressureDeposit runoff and migration from non-interest-bearing accounts toward money markets can raise funding costs and compress net interest margins. This pressure is strategically important because the bank’s earnings depend heavily on the spread between loan yields and deposit funding expenses.
Earnings VolatilityThe history of sharp earnings swings indicates that profitability may be sensitive to credit conditions, funding costs, or one-time items. Even with stronger current results, this variability makes future earnings power less predictable and can complicate capital planning through the cycle.
Mechanics Bancorp Class A News
MCHB FAQ
What was Mechanics Bancorp Class A’s price range in the past 12 months?
Mechanics Bancorp Class A lowest stock price was $12.82 and its highest was $17.38 in the past 12 months.
What is Mechanics Bancorp Class A’s market cap?
Mechanics Bancorp Class A’s market cap is $3.30B.
When is Mechanics Bancorp Class A’s upcoming earnings report date?
Mechanics Bancorp Class A’s upcoming earnings report date is Oct 29, 2026 which is in 16 days.
How were Mechanics Bancorp Class A’s earnings last quarter?
Mechanics Bancorp Class A released its earnings results on Jul 29, 2026. The company reported $0.284 earnings per share for the quarter, beating the consensus estimate of $0.25 by $0.034.
Is Mechanics Bancorp Class A overvalued?
According to Wall Street analysts Mechanics Bancorp Class A’s price is currently Undervalued.
Does Mechanics Bancorp Class A pay dividends?
Mechanics Bancorp Class A pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 10.94%. See more information on Mechanics Bancorp Class A dividends here
What is Mechanics Bancorp Class A’s EPS estimate?
Mechanics Bancorp Class A’s EPS estimate is 0.28.
How many shares outstanding does Mechanics Bancorp Class A have?
Mechanics Bancorp Class A has 220,312,060 shares outstanding.
What happened to Mechanics Bancorp Class A’s price movement after its last earnings report?
Mechanics Bancorp Class A reported an EPS of $0.284 in its last earnings report, beating expectations of $0.25. Following the earnings report the stock price went up 4.098%.
Which hedge fund is a major shareholder of Mechanics Bancorp Class A?
Currently, no hedge funds are holding shares in MCHB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Mechanics Bancorp Class A Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$17.50 (9.03% Upside)
$17.50 (9.03% Upside)
Blogger Sentiment
Neutral
MCHB Sentiment 50%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Decreased
By 4.7K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
17.65%
12-Months-Change
Fundamentals
Return on Equity
10.12%
Trailing 12-Months
Asset Growth
179.01%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Mechanics Bancorp Class 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.
MCHB Stock 12 Month Forecast
Average Price Target
$17.50
▲(9.03% Upside)
Technical Analysis
Ownership Overview
4.46% Insiders
3.00% Mutual Funds
3.73% Other Institutional Investors
85.74% Public Companies and
Individual Investors









