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$11.40 - $16.02
Previous CloseN/A
Volume1.00
Average Volume (3M)398.65K
Market Cap
$3.45B
Enterprise Value$2.55B
Total Cash (Recent Filing)$4.42B
Total Debt (Recent Filing)$211.22M
Price to Earnings (P/E)―
Beta0.44
Next Earnings
Aug 03, 2026EPS Estimate
0.25Next Dividend Ex-DateN/A
Dividend Yield1.49%
Share Statistics
EPS (TTM)0.22
Shares Outstanding220,274,080
10 Day Avg. Volume400,965
30 Day Avg. Volume398,651
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 Cap0.74
Enterprise Value/Revenue2.84
Enterprise Value/Gross Profit4.14
Enterprise Value/Ebitda9.53
Forecast
1Y Price Target
$16.50Price Target Upside6.38% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.18
Revenue Forecast (FY)$902.99M
Bulls Say, Bears Say
Bulls Say
Strengthened Balance SheetMechanics materially cut leverage and expanded equity in 2025, producing a meaningful capital cushion and positive ROE. Lower leverage improves resilience to credit stress, raises loss-absorbing capacity, and supports sustained lending, dividends and strategic flexibility over the medium term.
Strong Capital And LiquidityRobust regulatory capital and large liquidity buffers reduce the likelihood of forced asset sales or external funding reliance. This gives the bank durable capacity to absorb loan losses, pursue measured growth, and return capital (regular and special dividends) without jeopardizing solvency or requiring costly funding.
Merger Integration & Cost SynergiesCompletion of core conversion and integration reduces operational disruption risk and should deliver structural cost savings. Realizing run-rate expense reductions improves efficiency and long-term earnings power, supporting targeted ROTCE gains and freeing capital for lending or shareholder returns.
Bears Say
Inconsistent Cash Flow QualitySharp year-over-year FCF decline and historically volatile cash generation weaken the bank's ability to reliably fund dividends, buybacks or loan growth from internal cash. Persistent variability increases reliance on deposits or capital markets and raises execution risk for multi-year targets.
Elevated CRE ConcentrationVery high CRE concentration concentrates credit risk in a cyclical sector; while multifamily metrics are moderate, such concentration makes the loan book more sensitive to localized or sector downturns. Reducing exposure will be needed to sustainably lower portfolio risk and capital volatility.
Material Time Deposit RunoffLarge, faster-than-expected CD runoff shrinks stable funding and pressures NII until redeployment or funding alternatives are secured. Persisting runoff forces margin compression, potential asset sales, or higher-cost funding, constraining durable earnings delivery despite capital buffers.
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 $11.40 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 $3.45B.
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 92 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 $0.21 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 0.25.
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 $0.223 in its last earnings report, missing expectations of $0.26. Following the earnings report the stock price went down -2.734%.
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 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 462.0 Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▼ 2.9%
Last 30 Days ▼ 2.9%
Technicals
SMA
Positive
20 days / 200 days
Momentum
42.93%
12-Months-Change
Fundamentals
Return on Equity
10.40%
Trailing 12-Months
Asset Growth
174.09%
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
$16.50
▲(6.38% Upside)
Technical Analysis
Ownership Overview
82.81% Insiders
2.76% Mutual Funds
1.64% Other Institutional Investors
9.59% Public Companies and
Individual Investors