Symbols / MCHB Stock $14.77 -2.73% Mechanics Bancorp

Financial Services • Banks - Regional • United States • NMS
MCHB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. C. J. Johnson
Exch · Country NMS · United States
Market Cap 3.27B
Enterprise Value 2.56B
Income 265.74M
Sales 642.66M
FCF (ttm) —
Book/sh 12.93
Cash/sh 4.89
Employees 1,971
Insider 10d —
IPO Feb 10, 2012
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 17.21%
P/E 12.30
Forward P/E 10.98
PEG —
P/S 5.09
P/B 1.14
P/C —
EV/EBITDA —
EV/Sales 3.99
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.20
EPS next Y 1.34
EPS Growth 118.70%
Revenue Growth 50.20%
EPS Gr Q/Q 140.60%
Rev Gr Q/Q —
Earnings (next) 2026-04-30
Earnings (prior) 2026-04-30
ROA 1.37%
ROE 10.29%
ROIC —
Gross Margin 0.00%
Oper. Margin 49.10%
Profit Margin 41.35%
Shs Outstand 220.29M
Shs Float 41.82M
Insider Own 82.09%
Instit Own 13.32%
Short Float 11.24%
Short Ratio 10.25
Short Interest 4.45M
52W High 16.02
vs 52W High -7.83%
52W Low 11.40
vs 52W Low 29.52%
Beta 0.20
Impl. Vol. 2.21%
Rel Volume 2.54
Avg Volume 433.23K
Volume 1.10M
Target (mean) $16.50
Tgt Median $16.50
Tgt Low $16.00
Tgt High $17.00
# Analysts 2
Recom None
Prev Close $15.18
Price $14.77
Change -2.73%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$16.50
Mean price target
2. Current target
$14.77
Latest analyst target
3. DCF / Fair value
$18.00
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$14.77
Low
$16.00
High
$17.00
Mean
$16.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-10 init Cantor Fitzgerald — → Overweight $17
2025-10-20 main Keefe, Bruyette & Woods Market Perform → Market Perform $15
2025-05-07 main Keefe, Bruyette & Woods Market Perform → Market Perform $14
2025-04-01 main Piper Sandler Neutral → Neutral $14
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-27 GIVANS SCOTT A Officer — 6,574 $0.00 $0
2026-02-27 DUDA NATHAN Chief Financial Officer — 7,626 $0.00 $0
2026-02-27 PELAYO FERNANDO Officer — 4,470 $0.00 $0
2026-02-27 KALLINGAL TONY Officer — 6,048 $0.00 $0
2026-02-27 SHRADER GLENN C. General Counsel — 3,366 $0.00 $0
2026-02-27 SHIELDS KRISTIE S. Officer — 4,207 $0.00 $0
2026-02-27 PIERCE CHRISTOPHER D. Chief Operating Officer — 7,626 $0.00 $0
2026-02-13 GIVANS SCOTT A Officer — 4,164 — —
2026-02-13 DUDA NATHAN Chief Financial Officer — 2,571 — —
2026-02-13 PELAYO FERNANDO Officer — 2,506 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
650.12
+74.26%
373.07
-40.18%
623.67
-8.82%
683.99
Operating Revenue
650.12
+74.26%
373.07
-40.18%
623.67
-8.82%
683.99
Selling General And Administration
231.45
+10.71%
209.07
-2.11%
213.58
-2.85%
219.85
Selling And Marketing Expense
3.13
-4.22%
3.27
-2.77%
3.36
-57.08%
7.83
General And Administrative Expense
228.32
+10.94%
205.80
-2.10%
210.22
-0.85%
212.02
Salaries And Wages
219.32
+14.72%
191.17
-4.89%
200.99
-2.39%
205.92
Reconciled Depreciation
27.75
+21.60%
22.82
-18.46%
27.99
-11.60%
31.66
Total Unusual Items
72.09
0.00
—
—
Total Unusual Items Excluding Goodwill
72.09
0.00
—
—
Special Income Charges
72.09
0.00
—
—
Restructuring And Mergern Acquisition
-72.09
0.00
—
—
Net Income
265.74
+816.37%
29.00
-85.64%
201.91
-6.77%
216.58
Pretax Income
319.55
+795.17%
35.70
-87.16%
277.94
-8.01%
302.13
Net Interest Income
585.72
+12.82%
519.17
-7.82%
563.21
-10.78%
631.23
Interest Expense
226.05
+4.39%
216.55
+39.04%
155.75
+685.09%
19.84
Interest Income
811.76
+10.34%
735.72
+2.33%
718.96
+10.43%
651.07
Gain On Sale Of Security
4.57
+102.20%
-207.20
0.00
+100.00%
-11.23
Tax Provision
53.81
+703.39%
6.70
-91.19%
76.03
-11.13%
85.55
Tax Rate For Calcs
0.00
-10.25%
0.00
-31.52%
0.00
-3.18%
0.00
Tax Effect Of Unusual Items
12.14
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
265.74
+816.37%
29.00
-85.64%
201.91
-6.77%
216.58
Net Income From Continuing Operation Net Minority Interest
265.74
+816.37%
29.00
-85.64%
201.91
-6.77%
216.58
Net Income From Continuing And Discontinued Operation
265.74
+816.37%
29.00
-85.64%
201.91
-6.77%
216.58
Net Income Continuous Operations
265.74
+816.37%
29.00
-85.64%
201.91
-6.77%
216.58
Normalized Income
205.78
+609.63%
29.00
-85.64%
201.91
-6.77%
216.58
Net Income Common Stockholders
265.74
+816.37%
29.00
-85.64%
201.91
-6.77%
216.58
Diluted EPS
—
0.13
-85.64%
0.91
-6.77%
0.98
Basic EPS
—
0.13
-85.64%
0.91
-6.77%
0.98
Basic Average Shares
—
220.92
+0.00%
220.92
+0.00%
220.92
Diluted Average Shares
—
220.92
+0.00%
220.92
+0.00%
220.92
Diluted NI Availto Com Stockholders
265.74
+816.37%
29.00
-85.64%
201.91
-6.77%
216.58
Amortization
17.13
+27.42%
13.45
-22.36%
17.32
-16.20%
20.67
Amortization Of Intangibles Income Statement
17.13
+27.42%
13.45
-22.36%
17.32
-16.20%
20.67
Depreciation Amortization Depletion Income Statement
17.13
+27.42%
13.45
-22.36%
17.32
-16.20%
20.67
Depreciation And Amortization In Income Statement
17.13
+27.42%
13.45
-22.36%
17.32
-16.20%
20.67
Insurance And Claims
9.00
-38.47%
14.62
+58.50%
9.23
+51.41%
6.09
Occupancy And Equipment
67.11
+20.43%
55.73
-4.89%
58.59
+3.30%
56.72
Other Non Interest Expense
44.26
+12.71%
39.27
+12.55%
34.89
-3.00%
35.97
Professional Expense And Contract Services Expense
23.20
+8.54%
21.37
+3.77%
20.60
-6.48%
22.03
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
22,351.47
+35.54%
16,490.11
-5.78%
17,501.79
Cash And Cash Equivalents
1,029.98
+3.03%
999.71
-31.41%
1,457.57
Other Short Term Investments
6.99
-99.77%
3,065.25
+30.82%
2,343.17
Net PPE
225.97
+32.22%
170.91
-3.48%
177.07
Gross PPE
391.40
+65.58%
236.38
-3.44%
244.81
Accumulated Depreciation
-165.43
-152.67%
-65.47
+3.34%
-67.73
Land And Improvements
62.77
+20.37%
52.15
-0.80%
52.57
Buildings And Improvements
86.25
+30.52%
66.08
-1.84%
67.32
Machinery Furniture Equipment
96.93
+153.32%
38.26
-11.93%
43.45
Other Properties
82.08
+53.28%
53.55
-3.14%
55.28
Leases
63.37
+140.60%
26.34
+0.55%
26.19
Goodwill And Other Intangible Assets
1,141.63
+29.43%
882.05
-1.50%
895.51
Goodwill
843.30
+0.00%
843.30
+0.00%
843.30
Other Intangible Assets
298.32
+669.99%
38.74
-25.79%
52.21
Investments And Advances
5,379.53
+19.39%
4,505.74
+15.97%
3,885.29
Total Liabilities Net Minority Interest
19,489.10
+37.36%
14,188.24
-7.06%
15,266.19
Long Term Debt And Capital Lease Obligation
231.25
+312.26%
56.09
-93.26%
832.70
Long Term Debt
144.46
—
774.97
Long Term Capital Lease Obligation
86.79
+54.73%
56.09
-2.84%
57.74
Preferred Securities Outside Stock Equity
47.55
—
—
Stockholders Equity
2,862.38
+24.35%
2,301.87
+2.96%
2,235.61
Common Stock Equity
2,862.38
+24.35%
2,301.87
+2.96%
2,235.61
Capital Stock
2,402.19
+13.20%
2,122.12
+65988.98%
3.21
Common Stock
2,402.19
+13.20%
2,122.12
+65988.98%
3.21
Share Issued
221.31
+0.17%
220.92
+0.00%
220.92
Ordinary Shares Number
221.31
+0.17%
220.92
+0.00%
220.92
Additional Paid In Capital
—
2,118.91
+0.01%
2,118.68
Retained Earnings
456.69
+90.67%
239.52
-21.60%
305.51
Gains Losses Not Affecting Retained Earnings
3.49
+105.83%
-59.77
+68.84%
-191.79
Other Equity Adjustments
3.49
+105.83%
-59.77
+68.84%
-191.79
Total Equity Gross Minority Interest
2,862.38
+24.35%
2,301.87
+2.96%
2,235.61
Total Capitalization
3,006.84
—
3,010.57
Invested Capital
3,006.84
—
3,010.57
Total Debt
231.25
+312.26%
56.09
-93.26%
832.70
Capital Lease Obligations
86.79
+54.73%
56.09
-2.84%
57.74
Net Tangible Assets
1,720.75
+21.19%
1,419.82
+5.95%
1,340.09
Tangible Book Value
1,720.75
+21.19%
1,419.82
+5.95%
1,340.09
Available For Sale Securities
3,989.90
—
—
Cash Cash Equivalents And Federal Funds Sold
1,029.98
+3.03%
999.71
-31.41%
1,457.57
Held To Maturity Securities
1,333.13
-7.45%
1,440.49
-6.59%
1,542.12
Trading Securities
49.52
0.00
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
193.59
-33.76%
292.26
+9.87%
266.00
-16.40%
318.18
Cash Flow From Continuing Operating Activities
193.59
-33.76%
292.26
+9.87%
266.00
-16.40%
318.18
Net Income From Continuing Operations
265.74
+816.37%
29.00
-85.64%
201.91
-6.77%
216.58
Depreciation Amortization Depletion
27.75
+21.60%
22.82
-18.46%
27.99
-11.60%
31.66
Depreciation
10.62
+13.26%
9.38
-12.13%
10.67
-2.95%
11.00
Amortization Cash Flow
17.13
+27.42%
13.45
-22.36%
17.32
-16.20%
20.67
Depreciation And Amortization
27.75
+21.60%
22.82
-18.46%
27.99
-11.60%
31.66
Amortization Of Intangibles
17.13
+27.42%
13.45
-22.36%
17.32
-16.20%
20.67
Other Non Cash Items
-257.34
-2144.80%
12.59
-32.93%
18.76
-42.16%
32.44
Stock Based Compensation
5.59
+21.78%
4.59
+1821.34%
0.24
+134.31%
0.10
Deferred Tax
11.01
+19.30%
9.23
-32.14%
13.60
+154.56%
5.34
Deferred Income Tax
11.01
+19.30%
9.23
-32.14%
13.60
+154.56%
5.34
Operating Gains Losses
156.72
-26.07%
211.98
+11333.76%
1.85
-85.43%
12.72
Gain Loss On Investment Securities
-3.98
-101.92%
207.20
0.00
-100.00%
11.23
Gain Loss On Sale Of PPE
0.10
+112.44%
-0.80
-32.89%
-0.60
-604.17%
0.12
Change In Working Capital
-16.42
-1424.94%
1.24
+117.61%
-7.04
+66.42%
-20.96
Change In Receivables
77.34
+945.35%
-9.15
+34.65%
-14.00
-15.50%
-12.12
Changes In Account Receivables
77.34
+945.35%
-9.15
+34.65%
-14.00
-15.50%
-12.12
Change In Payables And Accrued Expense
-93.76
-1002.55%
10.39
+49.17%
6.96
+178.83%
-8.83
Change In Payable
-93.76
-1002.55%
10.39
+49.17%
6.96
+178.83%
-8.83
Change In Account Payable
-93.76
-1002.55%
10.39
+49.17%
6.96
+178.83%
-8.83
Investing Cash Flow
1,545.60
+224.56%
476.21
-71.54%
1,673.39
+548.45%
258.06
Cash Flow From Continuing Investing Activities
1,545.60
+224.56%
476.21
-71.54%
1,673.39
+548.45%
258.06
Net PPE Purchase And Sale
-5.63
-49.99%
-3.75
+14.20%
-4.37
+46.84%
-8.22
Purchase Of PPE
-6.51
-2.21%
-6.37
+7.19%
-6.87
+27.61%
-9.48
Sale Of PPE
0.89
-66.16%
2.62
+5.09%
2.49
+97.78%
1.26
Capital Expenditure
-6.51
-2.21%
-6.37
+7.19%
-6.87
+27.61%
-9.48
Net Investment Purchase And Sale
244.06
+140.85%
-597.45
-224.95%
478.15
-64.93%
1,363.32
Purchase Of Investment
-1,207.66
+54.58%
-2,658.61
0.00
+100.00%
-73.87
Sale Of Investment
1,451.72
-29.57%
2,061.16
+331.07%
478.15
-66.73%
1,437.19
Net Business Purchase And Sale
156.89
0.00
—
—
Net Other Investing Changes
69.96
+1693.31%
3.90
-86.34%
28.56
+4045.28%
0.69
Financing Cash Flow
-1,708.92
-39.35%
-1,226.33
-50.76%
-813.45
+34.71%
-1,245.91
Cash Flow From Continuing Financing Activities
-1,708.92
-39.35%
-1,226.33
-50.76%
-813.45
+34.71%
-1,245.91
Net Issuance Payments Of Debt
0.00
+100.00%
-775.00
-203.33%
750.00
0.00
Issuance Of Debt
—
—
750.00
—
Repayment Of Debt
0.00
+100.00%
-775.00
0.00
0.00
Long Term Debt Issuance
—
—
750.00
—
Long Term Debt Payments
0.00
+100.00%
-775.00
0.00
0.00
Net Long Term Debt Issuance
0.00
+100.00%
-775.00
-203.33%
750.00
0.00
Cash Dividends Paid
-48.56
+48.88%
-94.99
+10.25%
-105.84
+54.97%
-235.04
Changes In Cash
30.27
+106.61%
-457.86
-140.66%
1,125.94
+268.13%
-669.67
Beginning Cash Position
999.71
-31.41%
1,457.57
+339.52%
331.63
-66.88%
1,001.30
End Cash Position
1,029.98
+3.03%
999.71
-31.41%
1,457.57
+339.52%
331.63
Free Cash Flow
187.08
-34.56%
285.89
+10.33%
259.13
-16.06%
308.70
Interest Paid Supplemental Data
220.83
+1.58%
217.39
+44.43%
150.51
+667.22%
19.62
Income Tax Paid Supplemental Data
31.39
+782.84%
3.56
-93.92%
58.46
-24.33%
77.26
Amortization Of Securities
1.38
-79.49%
6.75
-58.67%
16.32
-30.28%
23.41
Net Investment Properties Purchase And Sale
—
2.26
+911.66%
0.22
-61.62%
0.58
Sale Of Business
156.89
0.00
—
—
Sale Of Investment Properties
—
2.26
+911.66%
0.22
-61.62%
0.58
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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