Mechanics Bancorp (MCHB) Stock Overview
Operates as the holding company for Mechanics Bank that provides banking services in California, Oregon, Washington, and Hawaii.It offers various checking and savings accounts, retirement accounts, money market accounts, time certificates of deposit, and safe deposit boxes. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
MCHB Community Fair Values
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Analyst Price Targets
Mechanics Bancorp Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$15.40 |
| 52 Week High | US$17.38 |
| 52 Week Low | US$12.82 |
| Beta | 0.14 |
| 1 Month Change | -4.94% |
| 3 Month Change | 0.59% |
| 1 Year Change | 15.88% |
| 3 Year Change | n/a |
| 5 Year Change | 69.57% |
| Change since IPO | 1,594.56% |
Recent News & Updates
Mechanics Bancorp: Looking Like A More Interesting Option For Income Investors
Summary Mechanics Bancorp is rated Hold due to a stretched valuation despite robust dividend prospects post-HomeStreet merger. MCHB projects a sector-leading ~7% dividend yield for FY 2027, appealing to income investors amid modest earnings growth and asset repricing tailwinds. Loan portfolio contraction and declining yields pose near-term growth challenges, though asset repricing could expand net interest margins over time. Ford Financial Fund’s 77% voting control positions MCHB as a potential future takeover target, but premium upside appears limited at current valuation. Read the full article on Seeking Alpha
MCHB: HomeStreet Integration And Takeout Interest Will Shape Balanced Future Outlook
Analysts have adjusted the fair value estimate for Mechanics Bancorp to about $17.33 per share from $16.50, reflecting updated assumptions on growth, profitability and future P/E following recent research that highlights the accretive HomeStreet deal and potential long term takeout interest, alongside a $17 price target from new coverage. Analyst Commentary Recent research on Mechanics Bancorp gives you a clearer picture of how professionals are framing the stock after the HomeStreet acquisition and the updated fair value estimate.Recent updates
Mechanics Bancorp: Looking Like A More Interesting Option For Income Investors
Summary Mechanics Bancorp is rated Hold due to a stretched valuation despite robust dividend prospects post-HomeStreet merger. MCHB projects a sector-leading ~7% dividend yield for FY 2027, appealing to income investors amid modest earnings growth and asset repricing tailwinds. Loan portfolio contraction and declining yields pose near-term growth challenges, though asset repricing could expand net interest margins over time. Ford Financial Fund’s 77% voting control positions MCHB as a potential future takeover target, but premium upside appears limited at current valuation. Read the full article on Seeking AlphaMCHB: HomeStreet Integration And Takeout Interest Will Shape Balanced Future Outlook
Analysts have adjusted the fair value estimate for Mechanics Bancorp to about $17.33 per share from $16.50, reflecting updated assumptions on growth, profitability and future P/E following recent research that highlights the accretive HomeStreet deal and potential long term takeout interest, alongside a $17 price target from new coverage. Analyst Commentary Recent research on Mechanics Bancorp gives you a clearer picture of how professionals are framing the stock after the HomeStreet acquisition and the updated fair value estimate.HomeStreet Integration And Stable Core Deposits Will Support Stronger Future Earnings Power
Catalysts About Mechanics Bancorp Mechanics Bancorp operates a West Coast focused community bank with US$21.4b in assets, offering consumer, commercial and wealth management services. What are the underlying business or industry changes driving this perspective?Shareholder Returns
| MCHB | US Banks | US Market | |
|---|---|---|---|
| 7D | -0.5% | -2.0% | -0.1% |
| 1Y | 15.9% | 11.8% | 11.9% |
Return vs Industry: MCHB exceeded the US Banks industry which returned 11.8% over the past year.
Return vs Market: MCHB exceeded the US Market which returned 11.9% over the past year.
Price Volatility
| MCHB volatility | |
|---|---|
| MCHB Average Weekly Movement | 3.2% |
| Banks Industry Average Movement | 3.0% |
| Market Average Movement | 6.8% |
| 10% most volatile stocks in US Market | 15.1% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: MCHB has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: MCHB's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1905 | 1,756 | C. Johnson | www.mechanicsbank.com |
Mechanics Bancorp operates as the holding company for Mechanics Bank that provides banking services in California, Oregon, Washington, and Hawaii It offers various checking and savings accounts, retirement accounts, money market accounts, time certificates of deposit, and safe deposit boxes. The company also provides home loans, auto loans, term loans and lines of credit, owner occupied real estate lending services, small business lending loans, multi-family lending services; mortgage and consumer lending loans; commercial real estate loans; residential construction loans; private banking, such as loan program, personal lines of credit and investment management and trust lines of credit.
Mechanics Bancorp Fundamentals Summary
| MCHB fundamental statistics | |
|---|---|
| Market cap | US$3.56b |
| Earnings (TTM) | US$281.25m |
| Revenue (TTM) | US$742.47m |
Is MCHB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| MCHB income statement (TTM) | |
|---|---|
| Revenue | US$742.47m |
| Cost of Revenue | US$0 |
| Gross Profit | US$742.47m |
| Other Expenses | US$461.21m |
| Earnings | US$281.25m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.22 |
| Gross Margin | 100.00% |
| Net Profit Margin | 37.88% |
| Debt/Equity Ratio | 8.1% |
How did MCHB perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/21 07:21 |
| End of Day Share Price | 2026/09/18 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Mechanics Bancorp is covered by 6 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Rochester | Cantor Fitzgerald & Co. |
| Christopher McGratty | Keefe, Bruyette, & Woods |
| Wood Lay | Keefe, Bruyette, & Woods |