Historical Valuation
Mechanics Bancorp (MCHB) is now in the Overvalued zone, suggesting that its current forward PS ratio of 3.83 is considered Overvalued compared with the five-year average of 15.04. The fair price of Mechanics Bancorp (MCHB) is between 3.61 to 14.02 according to relative valuation methord. Compared to the current price of 14.93 USD , Mechanics Bancorp is Overvalued By 6.47%.
Relative Value
Fair Zone
3.61-14.02
Current Price：14.93
6.47%
Overvalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Mechanics Bancorp (MCHB) has a current Price-to-Book (P/B) ratio of 1.17. Compared to its 3-year average P/B ratio of 0.95 , the current P/B ratio is approximately 24.21% higher. Relative to its 5-year average P/B ratio of 0.95, the current P/B ratio is about 24.21% higher. Mechanics Bancorp (MCHB) has a Forward Free Cash Flow (FCF) yield of approximately 4.58%. Compared to its 3-year average FCF yield of 3.66%, the current FCF yield is approximately 25.15% lower. Relative to its 5-year average FCF yield of 3.66% , the current FCF yield is about 25.15% lower.
P/B
Median3y
0.95
Median5y
0.95
FCF Yield
Median3y
3.66
Median5y
3.66
Competitors Valuation Multiple
AI Analysis for MCHB
The average P/S ratio for MCHB competitors is 3.39, providing a benchmark for relative valuation. Mechanics Bancorp Corp (MCHB.O) exhibits a P/S ratio of 3.83, which is 12.98% above the industry average. Given its robust revenue growth of 297.20%, this premium appears sustainable.
Performance Decomposition
AI Analysis for MCHB
1Y
3Y
5Y
Market capitalization of MCHB increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of MCHB in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is MCHB currently overvalued or undervalued?
Mechanics Bancorp (MCHB) is now in the Overvalued zone, suggesting that its current forward PS ratio of 3.83 is considered Overvalued compared with the five-year average of 15.04. The fair price of Mechanics Bancorp (MCHB) is between 3.61 to 14.02 according to relative valuation methord. Compared to the current price of 14.93 USD , Mechanics Bancorp is Overvalued By 6.47% .
What is Mechanics Bancorp (MCHB) fair value?
MCHB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Mechanics Bancorp (MCHB) is between 3.61 to 14.02 according to relative valuation methord.
How does MCHB's valuation metrics compare to the industry average?
The average P/S ratio for MCHB's competitors is 3.39, providing a benchmark for relative valuation. Mechanics Bancorp Corp (MCHB) exhibits a P/S ratio of 3.83, which is 12.98% above the industry average. Given its robust revenue growth of 297.20%, this premium appears sustainable.
What is the current P/B ratio for Mechanics Bancorp (MCHB) as of Jan 09 2026?
As of Jan 09 2026, Mechanics Bancorp (MCHB) has a P/B ratio of 1.17. This indicates that the market values MCHB at 1.17 times its book value.
What is the current FCF Yield for Mechanics Bancorp (MCHB) as of Jan 09 2026?
As of Jan 09 2026, Mechanics Bancorp (MCHB) has a FCF Yield of 4.58%. This means that for every dollar of Mechanics Bancorp’s market capitalization, the company generates 4.58 cents in free cash flow.
What is the current Forward P/E ratio for Mechanics Bancorp (MCHB) as of Jan 09 2026?
As of Jan 09 2026, Mechanics Bancorp (MCHB) has a Forward P/E ratio of 12.70. This means the market is willing to pay $12.70 for every dollar of Mechanics Bancorp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Mechanics Bancorp (MCHB) as of Jan 09 2026?
As of Jan 09 2026, Mechanics Bancorp (MCHB) has a Forward P/S ratio of 3.83. This means the market is valuing MCHB at $3.83 for every dollar of expected revenue over the next 12 months.