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MCHB Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
14.795
Open
14.600
VWAP
14.67
Vol
577.72K
Mkt Cap
3.26B
Low
14.505
Amount
8.48M
EV/EBITDA(TTM)
11.93
Total Shares
221.40M
EV
2.90B
EV/OCF(TTM)
--
P/S(TTM)
3.30
Mechanics Bancorp is the financial holding company of Mechanics Bank (the Bank), which operates as a full-service bank. The Bank offers a wide range of products and services in consumer and business banking, commercial lending, cash management services, private banking, and comprehensive wealth management and trust services. Its Personal Banking services include Checking, Savings, and Debit Cards. Its Digital Banking services include Online Banking Plus and Mobile Banking Plus. Its Commercial Lending services include Term Loans & Lines of Credit, Multi-Family Lending, Commercial Real Estate, Owner Occupied Real Estate, Equipment Financing, and Trade Services & Letters of Credit. Its Treasury Management services include Payable Solutions, Receivable Solutions, Fraud Prevention, and Cash Management. Its Business Solutions include Merchant Services, Payroll, Business Credit Cards, Workplace Benefit Plans, and Loan Payoff Demand.
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Events Timeline

(ET)
2026-05-07
08:20:00
Mechanics Bancorp Completes Sale of Fannie Mae Business for Approximately $126 Million
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News

NASDAQ.COM
8.0
05-29NASDAQ.COM
High Yield Opportunities in Financial Stocks
  • High Yield Investment: Amidst the overall weakness in financial stocks, investors can achieve dividend yields of up to 12.3% by selecting certain regional banks, with an expected $500,000 investment generating $44,000 annually in dividend income, thus providing a stable cash flow for investors.
  • Northwest Bank's Stability: Northwest Bancshares (NWBI) is known for its 5.7% dividend yield and robust lending practices; while it faces limited growth prospects, its merger with Penn Woods Bancorp is expected to enhance profitability and strengthen its competitive position in the market.
  • Washington Trust's Returns: Washington Trust (WASH) experienced volatility in 2026, but despite missing Q1 estimates, it maintains a 7% dividend yield and shows improving profitability, indicating potential for future growth.
  • Mechanics Bancorp's Rapid Growth: Mechanics Bancorp (MCHB) reintroduced dividends in 2025, currently boasting a 12.3% yield, with management projecting to pay out about 80% of net income as dividends, reflecting a strong commitment to shareholder returns.
CNBC
6.0
05-29CNBC
Major Wall Street Rating Changes Overview
  • Dell Upgrade: Susquehanna upgraded Dell from neutral to positive, citing increased confidence in a sustainable 8-10% operating margin and a 6% free cash flow margin, which supports a potential rerating of its EV/sales multiple to 3x, indicating strong market potential.
  • Viper Energy Initiation: RBC initiated coverage of Viper Energy with an Outperform rating and a $58 price target, highlighting its advantages in scale and core Permian focus, positioning it as a best-in-class mineral and royalty company.
  • SentinelOne Buy Rating: Bank of America upgraded SentinelOne from neutral to buy, viewing its solid quarterly performance as a strong entry point after an 18% decline in after-hours trading, reflecting confidence in its future growth prospects.
  • XPeng Upgrade: Macquarie upgraded XPeng from neutral to outperform, noting its volume growth in the Chinese EV market, while future investments in humanoids and robotaxis provide additional upside potential for its stock.
seekingalpha
8.0
05-14seekingalpha
Mechanics Bancorp Declares Quarterly Dividends
  • Quarterly Dividend Announcement: Mechanics Bancorp has declared a quarterly dividend of $0.70 per share, indicating the company's stable cash flow and profitability, which is likely to attract more investor interest.
  • Special Dividend Plan: Additionally, the company announced a $7.00 per share dividend for Class B common stock, further enhancing shareholder returns and reflecting confidence in future earnings growth.
  • Payment Schedule: Both dividends are set to be paid on May 28, with a record date of May 23 and an ex-dividend date of May 21, ensuring shareholders receive their returns promptly.
  • Future Earnings Outlook: Mechanics Bancorp anticipates net income between $275 million and $300 million for 2027 and plans to issue a special dividend of approximately $0.70 per share in Q2, demonstrating a positive outlook on future performance.
seekingalpha
9.5
04-30seekingalpha
Mechanics Bancorp Q1 2026 Earnings Call Insights
  • Net Income Performance: Mechanics Bancorp reported a net income of $44.1 million for Q1, with earnings per share at $0.19, despite a $6.5 million provision related to geopolitical uncertainties, indicating resilience in profitability amid challenges.
  • Merger Expense Impact: The company incurred nearly $5 million in merger-related expenses while successfully migrating all HomeStreet customers to its core banking platform by the end of March, laying the groundwork for future operational efficiency improvements.
  • Revenue and Expense Trends: Net interest income declined by $3.9 million or 2.2% in Q1, while noninterest income plummeted by $57.5 million or 73%, reflecting increased market competition and the impact of changing interest rate environments on the company's finances.
  • Future Outlook: Management anticipates GAAP net income to range between $275 million and $300 million in 2027, and while net interest margin is expected to remain flat in the short term, the company plans to issue a special dividend of approximately $0.70 per share in Q2, demonstrating commitment to shareholders.
seekingalpha
9.5
04-30seekingalpha
Mechanics Bancorp Reports Strong Q1 Earnings
  • Earnings Beat: Mechanics Bancorp reported a Q1 GAAP EPS of $0.19, indicating a solid growth trajectory in profitability, reflecting robust financial management and market performance.
  • Significant Net Interest Income Growth: The company achieved net interest income of $179 million, a 39.8% year-over-year increase, demonstrating that the expansion of its loan portfolio and improved interest rate environment have contributed significantly to its earnings.
  • Acquisition Benefits Realized: The acquisition of HomeStreet is already paying dividends for Mechanics Bancorp, enhancing its market competitiveness and operational synergies, which are expected to drive future revenue growth.
  • Strong Revenue Performance: Mechanics Bancorp reported total revenue of $259.99 million, exceeding expectations by $52.64 million, showcasing strong market demand and effective operational strategies in place.
NASDAQ.COM
6.5
04-10NASDAQ.COM
Mechanics Bank Trust Sells Shares of Mechanics Bancorp
  • Share Reduction Details: Mechanics Bank Trust sold 1,121,270 shares of Mechanics Bancorp in Q1 2026, with an estimated trade value of $16.8 million, representing 2.3% of its reportable AUM, indicating a strategic rebalancing of its portfolio.
  • Post-Trade Valuation: After the sale, Mechanics Bank Trust retains 2,301,961 shares valued at approximately $33.95 million, suggesting that despite the significant trim, the trust maintains a substantial investment in the company, reflecting ongoing confidence in its growth prospects.
  • Financial Performance Highlights: Mechanics Bancorp reported a net income of $124.3 million in Q4 2025, more than doubling the previous quarter, driven by the HomeStreet merger, with management targeting around $300 million in net income for 2026, showcasing robust earnings potential.
  • Dividend Payment Outlook: The recent declared dividend of $0.40 per share translates to a forward yield of about 10.4%, but management plans to adjust the payout to approximately 80% of earnings, likely normalizing the yield to between 6.5% and 7%, still above the regional bank average.
Wall Street analysts forecast MCHB stock price to rise
1 Analyst Rating
Wall Street analysts forecast MCHB stock price to rise
0 Buy
1 Hold
0 Sell
Hold
Current: 0.000
sliders
Low
14.50
Averages
14.50
High
14.50
Current: 0.000
sliders
Low
14.50
Averages
14.50
High
14.50
Raymond James
Outperform
initiated
$17
AI Analysis
2026-05-28
New
Reason
Raymond James
Price Target
$17
AI Analysis
2026-05-28
New
initiated
Outperform
Reason
Raymond James initiated coverage of Mechanics Bancorp with an Outperform rating and $17 price target. The West Coast regional bank's primary growth engine has been M&A and the recently closed HomeStreet transaction is already proving to be a highly accretive, "home run" deal, the analyst tells investors. The firm also views the company as a takeout candidate over time given the strength of its platform and scarcity value for a bank of its size on the West Coast, the analyst added.
Keefe Bruyette
Market Perform
downgrade
$16
2026-05-04
Reason
Keefe Bruyette
Price Target
$16
2026-05-04
downgrade
Market Perform
Reason
Keefe Bruyette lowered the firm's price target on Mechanics Bancorp to $15.50 from $16 and keeps a Market Perform rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for MCHB
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Valuation Metrics

The current forward P/E ratio for Mechanics Bancorp (MCHB.O) is 0.00, compared to its 5-year average forward P/E of 15.05. For a more detailed relative valuation and DCF analysis to assess Mechanics Bancorp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
15.05
Current PE
0.00
Overvalued PE
35.01
Undervalued PE
-4.91

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
3.71
Current EV/EBITDA
7.93
Overvalued EV/EBITDA
8.39
Undervalued EV/EBITDA
-0.96

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.58
Current PS
3.78
Overvalued PS
4.15
Undervalued PS
1.01

Financials

AI Analysis
Annual
Quarterly

Whales Holding MCHB

C
Composition Wealth, LLC
Holding
MCHB
+12.85%
3M Return
C
Centerbook Partners LP
Holding
MCHB
+11.12%
3M Return
F
Ford Financial Fund
Holding
MCHB
-0.88%
3M Return

Trading Trends

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Frequently Asked Questions

What is Mechanics Bancorp (MCHB) stock price today?

The current price of MCHB is 14.72 USD — it has increased 1.45

What is Mechanics Bancorp (MCHB)'s business?

Mechanics Bancorp is the financial holding company of Mechanics Bank (the Bank), which operates as a full-service bank. The Bank offers a wide range of products and services in consumer and business banking, commercial lending, cash management services, private banking, and comprehensive wealth management and trust services. Its Personal Banking services include Checking, Savings, and Debit Cards. Its Digital Banking services include Online Banking Plus and Mobile Banking Plus. Its Commercial Lending services include Term Loans & Lines of Credit, Multi-Family Lending, Commercial Real Estate, Owner Occupied Real Estate, Equipment Financing, and Trade Services & Letters of Credit. Its Treasury Management services include Payable Solutions, Receivable Solutions, Fraud Prevention, and Cash Management. Its Business Solutions include Merchant Services, Payroll, Business Credit Cards, Workplace Benefit Plans, and Loan Payoff Demand.

What is the price predicton of MCHB Stock?

Wall Street analysts forecast MCHB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for MCHB is14.50 USD with a low forecast of 14.50 USD and a high forecast of 14.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Mechanics Bancorp (MCHB)'s revenue for the last quarter?

Mechanics Bancorp revenue for the last quarter amounts to 184.10M USD, increased 324.52

What is Mechanics Bancorp (MCHB)'s earnings per share (EPS) for the last quarter?

Mechanics Bancorp. EPS for the last quarter amounts to 0.20 USD, decreased -183.33

How many employees does Mechanics Bancorp (MCHB). have?

Mechanics Bancorp (MCHB) has 1921 emplpoyees as of May 31 2026.

What is Mechanics Bancorp (MCHB) market cap?

Today MCHB has the market capitalization of 3.26B USD.