Mechanics Bancorp Class A (MCHB)
NASDAQ:MCHB
MCHB Stock Chart & Stats
$14.93
$500.00(1.92%)
At close: 4:00 PM EDT
$14.93
$500.00(1.92%)
Day’s Range― - ―
52-Week Range$10.16 - $16.02
Previous CloseN/A
Volume1.00
Average Volume (3M)409.18K
Market Cap
$3.46B
Enterprise Value$2.62B
Total Cash (Recent Filing)$5.02B
Total Debt (Recent Filing)$365.60M
Price to Earnings (P/E)<0.1
Beta0.46
Next Earnings
May 04, 2026EPS Estimate
0.26Next Dividend Ex-DateN/A
Dividend Yield1.49%
Share Statistics
EPS (TTM)0.54
Shares Outstanding220,274,080
10 Day Avg. Volume447,137
30 Day Avg. Volume409,175
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)<0.01
Price to Sales (P/S)0.00044
P/FCF Ratio<0.01
Enterprise Value/Market Cap0.76
Enterprise Value/Revenue3.57
Enterprise Value/Gross Profit5.59
Enterprise Value/Ebitda12.62
Forecast
1Y Price Target
$16.00Price Target Upside7.17% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.24
Revenue Forecast (FY)$860.70M
Bulls Say, Bears Say
Bulls Say
De‑risked Balance SheetMechanics materially reduced leverage in 2025, shrinking debt-to-equity to ~0.13 and expanding equity while returning ROE to ~6.0%. A meaningfully de‑risked balance sheet lowers insolvency and funding risk, gives capital flexibility for lending, acquisitions, or dividends over the medium term.
Revenue & Profit Rebound2025 showed a durable jump in scale and profitability driven by the HomeStreet merger: higher revenue, positive margins and sizable net income. The enlarged loans, deposits and assets base improves structural earning capacity and creates a larger franchise to sustain core banking revenues.
Explicit Capital Return & Admin ModernizationThe board's dividend declaration and move to uncertificated, book‑entry shares signals disciplined capital allocation and operational efficiency. Continued payouts demonstrate management confidence in the balance sheet and provide a durable shareholder return policy if cash generation stabilizes.
Bears Say
Weak Cash ConversionDespite accounting profits in 2025, free cash flow dropped materially and has been volatile across years. Persistent weak cash conversion limits internal funding for loans, investments and dividends, raises refinancing risk in stress, and undermines the reliability of reported earnings.
Earnings Volatility And One‑offsA substantial bargain purchase gain helped lift 2025 net income, while the company had losses in 2023–2024. Reliance on acquisition accounting and one‑time items inflates current earnings; absent similar one‑offs, reported profitability could revert and reveal underlying cyclicality.
Divestiture Of DUS BusinessSelling the Fannie Mae DUS business reduces recurring fee income and diversifying revenue streams. The divestiture can shrink structural non‑interest income and remove parts of the mortgage franchise, making future revenue and cash flow more dependent on core lending activity.
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 $10.16 and its highest was $16.02 in the past 12 months.
What is Mechanics Bancorp Class A’s market cap?
Mechanics Bancorp Class A’s market cap is $3.46B.
When is Mechanics Bancorp Class A’s upcoming earnings report date?
Mechanics Bancorp Class A’s upcoming earnings report date is May 04, 2026 which is in 29 days.
How were Mechanics Bancorp Class A’s earnings last quarter?
Mechanics Bancorp Class A released its earnings results on Dec 31, 2025. The company reported $0.54 earnings per share for the quarter, beating the consensus estimate of $0.26 by $0.28.
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 $0.21 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 0.26.
How many shares outstanding does Mechanics Bancorp Class A have?
Mechanics Bancorp Class A has 220,274,080 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 $0.54 in its last earnings report, beating expectations of $0.26. Following the earnings report the stock price went up 0.551%.
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
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$16.00 (7.17% Upside)
$16.00 (7.17% Upside)
Blogger Sentiment
Bullish
MCHB Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 462.0 Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 0.6%
Last 30 Days ▼ 0.6%
Technicals
SMA
Positive
20 days / 200 days
Momentum
23.87%
12-Months-Change
Fundamentals
Return on Equity
10.60%
Trailing 12-Months
Asset Growth
176.62%
Trailing 12-Months
Company Description
Mechanics Bancorp Class A
Mechanics Bank provides various financial services for individual clients, and small and middle-market businesses. The company offers checking and savings accounts. It also provides home and auto loans; term loans and lines of credit, multi-family lending, commercial real estate loans, owner-occupied real estate loans, equipment financing, and trade services and letters of credit; and small business administration loans. In addition, the company offers credit and debit cards; payable and receivable solutions, fraud prevention, and cash management services; merchant and payroll services, paycheck protection program solutions, and workplace benefit plans; foreign currency, cashier's checks, wire transfers, overdraft, deposit and treasury, trust and estate, investment and asset management, retirement planning, and wealth management services; and online and mobile banking services. It operates through a network of 115 branch locations in the Greater San Francisco, Sacramento, Los Angeles, and San Diego areas, as well as Central Valley in California. Mechanics Bank was founded in 1905 and is headquartered in Walnut Creek, California.
MCHB Stock 12 Month Forecast
Average Price Target
$16.00
▲(7.17% Upside)
Technical Analysis
Ownership Overview
81.28% Insiders
2.51% Mutual Funds
6.04% Other Institutional Investors
7.34% Public Companies and
Individual Investors