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MCHB Stock Chart & Stats
$15.68
$0.05(0.32%)
At close: 4:00 PM EDT
$15.68
$0.05(0.32%)
Day’s Range― - ―
52-Week Range$12.50 - $16.88
Previous CloseN/A
Volume24.86K
Average Volume (3M)600.05K
Market Cap
$5.57B
Enterprise Value$3.43K
Total Cash (Recent Filing)$4.42B
Total Debt (Recent Filing)$211.22M
Price to Earnings (P/E)13.4
Beta0.44
Next Earnings
Oct 29, 2026EPS Estimate
0.27Next Dividend Ex-DateN/A
Dividend Yield7.8%
Share Statistics
EPS (TTM)0.98
Shares Outstanding220,286,640
10 Day Avg. Volume858,684
30 Day Avg. Volume600,048
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$16.25Price Target Upside3.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.02
Revenue Forecast (FY)$806.47M
Bulls Say, Bears Say
Bulls Say
Strong Capital & DividendsMechanics reports a robust capital base (CET1 14.4%, Tier‑1 leverage 8.7%) and about $100M excess capital above the target, with a clear multi‑quarter dividend plan and a ~$250M 2027 cash dividend target. That structural capital cushion enables durable shareholder returns and loss absorption, supporting stable payout policy and allowing strategic reinvestment without immediate capital raises over the next several quarters.
Improved Profitability & Cash FlowRecent results show materially improved net margins and aligned free cash flow: 2025 and TTM net margins at ~26%/~24% and FCF roughly equaling net income. Operating cash flow of ~$194M (2025) and ~$205M (TTM) underpins recurring cash generation, giving the bank sustainable internal funding for dividends, buybacks or reinvestment while supporting credit coverage and capital targets over the medium term.
Merger Integration & Cost SynergiesThe substantial completion of the HomeStreet integration and measurable FTE and expense reductions suggest structural cost benefits. A lower noninterest expense run‑rate (~$430M target) improves operating leverage and supports sustainable margin expansion, enabling higher ROATCE/ROAA targets and making earnings less dependent on interest‑rate tailwinds over the coming quarters.
Bears Say
Historical Volatility In Capital & EarningsMechanics’ recent recovery follows multi‑year instability: extreme leverage and negative returns in 2022–2023. That historical volatility reduces confidence in the persistence of current metrics, increases model uncertainty, and implies the franchise remains sensitive to adverse shocks, raising the risk that capital returns or margin targets could be curtailed if earnings or loan performance deteriorate again.
Deposit Runoff & Mix PressureOngoing runoff of legacy CDs and a shift toward money market balances create structural funding pressure: higher average deposit costs and less sticky noninterest deposits can compress NIM and increase funding volatility. Over several quarters, this tends to raise funding expense and complicate consistent NII growth absent offsetting asset repricing or liability diversification.
Elevated CRE ConcentrationA CRE exposure at ~342% of capital creates concentration risk even if much is lower‑risk multifamily. In a slowing CRE cycle or regional downturn, losses or higher reserves could materially erode capital and constrain dividend capacity and lending growth. The structural concentration therefore increases downside risk to capital and earnings over the medium term.
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 $12.50 and its highest was $16.88 in the past 12 months.
What is Mechanics Bancorp. Class A’s market cap?
Mechanics Bancorp. Class A’s market cap is $5.57B.
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 87 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 $0.7 which represents an annual dividend yield of 7.8%. 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 0.27.
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 $0.284 in its last earnings report, beating expectations of $0.25. Following the earnings report the stock price went up 4.104%.
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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10
Analyst Consensus
Moderate Buy
Average Price Target:
$16.25 (3.64% Upside)
$16.25 (3.64% Upside)
Blogger Sentiment
Bullish
MCHB Sentiment 75%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 198.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $30.3 over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.2%
Last 30 Days ▼ 5.9%
Last 30 Days ▼ 5.9%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
28.88%
12-Months-Change
Fundamentals
Return on Equity
7.80%
Trailing 12-Months
Asset Growth
179.01%
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
$16.25
▲(3.64% Upside)
Technical Analysis
Ownership Overview
82.81% Insiders
3.00% Mutual Funds
1.69% Other Institutional Investors
9.55% Public Companies and
Individual Investors