NASDAQ: MCHBMechanics Bancorp Stock
$14.73+0.10 (+0.68%)
Updated Jan 2, 2026
MCHB Price
$14.73
Fair Value Price
$16.95
Market Cap
$3.26B
52 Week Low
$8.41
52 Week High
$15.90
P/E
-2.18x
P/B
1.17x
P/S
11.21x
PEG
N/A
Dividend Yield
1.43%
Revenue
$247.25M
Earnings
-$77.04M
Gross Margin
100%
Operating Margin
-23.01%
Profit Margin
-31.2%
Debt to Equity
7.19
Operating Cash Flow
$81M
Beta
1.03
Next Earnings
Jan 26, 2026
Ex-Dividend
N/A
Next Dividend
N/A
MCHB Overview
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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine MCHB's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
MCHB
Ranked#43 of 280
Ranked#43 of 280
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $6.21 | A | |
| $45.06 | B | |
| $28.00 | B |
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MCHB News
Overview
Due Diligence Score
–
Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how MCHB scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
MCHB ($14.73) is undervalued by 13.1% relative to our estimate of its Fair Value price of $16.95 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
MCHB ($14.73) is not significantly undervalued (13.1%) relative to our estimate of its Fair Value price of $16.95 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
MCHB is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more MCHB due diligence checks available for Premium users.
Valuation
MCHB fair value
Fair Value of MCHB stock based on Discounted Cash Flow (DCF)
Price
$14.73
Fair Value
$16.95
Undervalued by
13.10%
MCHB ($14.73) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
MCHB ($14.73) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
MCHB is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
MCHB price to earnings (PE)
For valuing profitable companies with steady earnings
Company
-2.18x
Industry
16.27x
Market
44.18x
MCHB price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.17x
Industry
1.29x
MCHB is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
MCHB's financial health
Profit margin
Revenue
$208.4M
Net Income
$55.2M
Profit Margin
26.5%
MCHB's Earnings (EBIT) of -$56.89M... subscribe to Premium to read more.
Interest Coverage Financials
MCHB's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$22.7B
Liabilities
$19.9B
Debt to equity
7.19
MCHB's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
MCHB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$112.0M
Investing
$1.3B
Financing
-$716.9M
MCHB's operating cash flow ($80.79M)... subscribe to Premium to read more.
Debt Coverage Financials
MCHB vs Bank Stocks
Mechanics Bancorp Stock FAQ
Company
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