Mechanics Bancorp (MCHB)

Currency in USD
16.79
+0.19(+1.14%)
Closed·
16.790.00(0.00%)
·
High dividend Yield
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Fair Value
Day's Range
16.5216.85
52 wk Range
12.5016.88
Key Statistics
Prev. Close
16.6
Open
16.59
Day's Range
16.52-16.85
52 wk Range
12.5-16.88
Volume
608.35K
Average Volume (3m)
570.64K
1-Year Change
28.3639%
Book Value / Share
11.62
Fair Value
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Fair Value Upside
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MCHB Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
16.67
Downside
-0.73%
Members' Sentiments
Bearish
Bullish
ProTips
Pays a significant dividend to shareholders

Mechanics Bancorp News & Analysis

Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Strong Buy
Moving Averages
Strong Buy

Analyst Ratings

2 Buy
1 Hold
0 Sell
Ratings:
3 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 16.67
(-0.73% Downside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Raymond James
Buy17.00+1.25%-New CoverageMay 28, 2026
Keefe, Bruyette & Woods
Hold15.50-7.68%16.00MaintainMay 04, 2026
Cantor Fitzgerald
Buy17.00+1.25%-New CoverageApr 10, 2026
Keefe, Bruyette & Woods
Hold14.00-16.62%13.50MaintainAug 06, 2025

Mechanics Bancorp Earnings Call Summary for Q2/2026

  • Mechanics Bancorp Q2 2026 EPS of $0.25 matched estimates; core net income rose to $59M with 14.7% core ROATCE; shares gained 2.27% to $16.20.
  • HomeStreet integration largely complete; bank plans to sell $310M low-yielding securities at 1.78% yield, reinvest at 5.5% despite $25M after-tax loss.
  • Q3 dividend set at $0.25/share; company targets $250M annual dividends in 2027, implying ~7% yield, highest among regional bank peers.
  • Management reaffirms 2027 guidance: 17-18% ROATCE, 1.3-1.4% ROAA, and $275M-$300M net income; Q4 2026 expenses expected to decline to ~$430M.
  • Deposits fell $153M to $18.1B amid pricing pressure; executives remain disciplined on lending and M&A, citing tight spreads and strong existing franchise.
Last Updated: 2026-07-29, 12:06 p/m
Read Full Transcript

Earnings

Latest Release
Jul 29, 2026
EPS / Forecast
0.28 / 0.25
Revenue / Forecast
200.97M / 199.33M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 1.23%
Dividend Yield
16.98%
Industry Median 2.83%
Annualized payout
2.80
Paid unevenly
5-Years Growth
-
Growth Streak

MCHB Income Statement

Compare MCHB to Peers and Sector

Metrics to compare
MCHB
Peers
Sector
Relationship
P/E Ratio
13.8x11.7x10.0x
PEG Ratio
0.310.300.03
Price/Book
1.4x1.3x1.0x
Price / LTM Sales
5.2x3.4x2.9x
Upside (Analyst Target)
2.4%6.8%13.9%
Fair Value Upside
Unlock10.2%2.8%Unlock

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. In addition, it offers unsecured consumer installment loans and personal reserve accounts; automated bill payments, remote and mobile deposit capture, automated clearing house origination, wire transfer, lockbox, payee positive pay, and direct deposit; digital banking. Further, the company provides real estate, escrow services, title, labor unions, nonprofits and property management services. Mechanics Bancorp was founded in 1905 and is headquartered in Walnut Creek, California.

Sector
Financial
Employees
1890

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
10.04M4.34%165.61M
Other Institutional Investors
361.72M95.66%5.96B
Public Companies & Retail Investors
0.000.00%0.00
Total
371.76M100.00%6.13B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
Ford Financial Fund74.22%171,765,7192,832,417
Ford Financial Fund III, L.P.39.16%90,631,4801,494,513

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FAQ

What Is the Mechanics Bancorp (MCHB) Stock Price Today?

The Mechanics Bancorp stock price today is 16.79 USD.

What Stock Exchange Does Mechanics Bancorp Trade On?

Mechanics Bancorp is listed and trades on the Nasdaq Stock Exchange.

What Is the Stock Symbol for Mechanics Bancorp?

The stock symbol for Mechanics Bancorp is "MCHB."

Does Mechanics Bancorp Pay Dividends? What’s The Current Dividend Yield?

The Mechanics Bancorp dividend yield is 16.87%.

What Is the Mechanics Bancorp Market Cap?

As of today, Mechanics Bancorp market cap is 3.89B USD.

What Is Mechanics Bancorp's Earnings Per Share (TTM)?

The Mechanics Bancorp EPS (TTM) is 1.23.

When Is the Next Mechanics Bancorp Earnings Date?

Mechanics Bancorp will release its next earnings report on Oct 29, 2026.

From a Technical Analysis Perspective, Is MCHB a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Mechanics Bancorp Stock Split?

Mechanics Bancorp has split 2 times.

How Many Employees Does Mechanics Bancorp Have?

Mechanics Bancorp has 1890 employees.

What is the current trading status of Mechanics Bancorp (MCHB)?

As of Jul 31, 2026, Mechanics Bancorp (MCHB) is trading at a price of 16.79 USD, with a previous close of 16.60 USD. The stock has fluctuated within a day range of 16.52 USD to 16.85 USD, while its 52-week range spans from 12.50 USD to 16.88 USD.

What Is Mechanics Bancorp (MCHB) Price Target According to Analysts?

The average 12-month price target for Mechanics Bancorp is 16.67 USD, with a high estimate of 17 USD and a low estimate of 16 USD. 2 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an -0.73% Downside potential.

What Is the MCHB Premarket Price?

MCHB's last pre-market stock price is 16.67 USD. The pre-market share volume is 310.00, and the stock has decreased by 0.07, or 0.42%.
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