Mechanics Bancorp. Class A (MCHB)
NASDAQ:MCHB
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MCHB Stock Chart & Stats
$15.51
$500.00(1.92%)
At close: 4:00 PM EDT
$15.51
$500.00(1.92%)
Day’s Range― - ―
52-Week Range$12.05 - $16.03
Previous CloseN/A
Volume1.00
Average Volume (3M)464.10K
Market Cap
$3.48B
Enterprise Value$2.97B
Total Cash (Recent Filing)$4.42B
Total Debt (Recent Filing)$211.22M
Price to Earnings (P/E)15.0
Beta0.44
Next Earnings
Aug 03, 2026EPS Estimate
0.25Next Dividend Ex-DateN/A
Dividend Yield1.49%
Share Statistics
EPS (TTM)0.98
Shares Outstanding220,286,640
10 Day Avg. Volume440,707
30 Day Avg. Volume464,099
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 Cap0.85
Enterprise Value/Revenue3.31
Enterprise Value/Gross Profit4.84
Enterprise Value/Ebitda11.12
Forecast
1Y Price Target
$16.50Price Target Upside6.38% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.03
Revenue Forecast (FY)$808.00M
Bulls Say, Bears Say
Bulls Say
Capital & LiquidityA strong CET1 and ample liquidity provide a durable capital cushion that supports dividend/special payout policy and buffers stress events. High liquidity and conservative leverage increase resilience to funding shocks and enable strategic actions without immediate capital raising.
Cash Generation & FCF ConversionConsistent operating cash flow and near‑par free cash flow conversion indicate the franchise converts earnings to cash efficiently, supporting sustained dividends, share returns and reinvestment. This cash strength reduces refinancing risk and underpins longer‑term capital allocation.
Merger Integration & Cost SynergiesCompletion of the core conversion materially lowers execution risk and enables planned expense run‑rate reductions. Realized cost synergies should sustainably improve efficiency and help deliver the firm's 2027 ROTCE/ROAA targets if expense targets and revenue recovery follow through.
Bears Say
High CRE ConcentrationVery elevated CRE exposure makes earnings and capital sensitive to regional property cycles and underwriting stress. Heavy multifamily weighting and modest DCRs mean downside in property cash flows could drive higher credit losses or require higher capital cushions over multiple quarters.
Historic Leverage VolatilityPrior episodes of extreme leverage and negative profitability show the capital structure and returns can deteriorate quickly under stress. This pattern reduces confidence in consistency and implies management must sustain conservative policies to avoid future capital strain.
Deposit Runoff & Funding HeadwindsLarge time‑deposit runoff erodes stable funding, pressures NII and forces reinvestment at lower yields or higher deposit costs. Until retention or lower funding costs are structural, margins and loan growth will face headwinds that can persist for several quarters.
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 $12.05 and its highest was $16.03 in the past 12 months.
What is Mechanics Bancorp. Class A’s market cap?
Mechanics Bancorp. Class A’s market cap is $3.48B.
When is Mechanics Bancorp. Class A’s upcoming earnings report date?
Mechanics Bancorp. Class A’s upcoming earnings report date is Aug 03, 2026 which is in 54 days.
How were Mechanics Bancorp. Class A’s earnings last quarter?
Mechanics Bancorp. Class A released its earnings results on Apr 30, 2026. The company reported $0.223 earnings per share for the quarter, missing the consensus estimate of $0.26 by -$0.037.
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 Annually dividend of $0.7 which represents an annual dividend yield of 1.49%. 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 0.25.
How many shares outstanding does Mechanics Bancorp. Class A have?
Mechanics Bancorp. Class A has 220,286,640 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 $0.223 in its last earnings report, missing expectations of $0.26. Following the earnings report the stock price went down -2.73%.
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
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Analyst Consensus
Moderate Buy
Average Price Target:
$16.50 (6.38% Upside)
$16.50 (6.38% Upside)
Blogger Sentiment
Bullish
MCHB Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 198.6K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.0%
Last 30 Days ▲ 5.2%
Last 30 Days ▲ 5.2%
News Sentiment
Neutral
Bullish news 59%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
26.56%
12-Months-Change
Fundamentals
Return on Equity
9.93%
Trailing 12-Months
Asset Growth
174.09%
Trailing 12-Months
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
$16.50
▲(6.38% Upside)
Technical Analysis
Ownership Overview
82.81% Insiders
3.06% Mutual Funds
4.97% Other Institutional Investors
5.90% Public Companies and
Individual Investors