MCHB
NEUTRAL
$14.9
Live
Mechanics Bancorp · NASDAQ
Target $16.5
(+10.7%)
$10.35
52W Range
$16.02
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 14, 2026
Market cap
$3.3B
P/E
12.21
ROE
10.3%
Profit margin
41.3%
Debt/Equity
N/A
Dividend yield
10.46%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
MCHB presents a classic 'value trap' profile, characterized by a weak Piotroski F-Score of 3/9 and a bearish technical trend (10/100), despite trading significantly below its Graham Number ($18.84) and Intrinsic Value ($35.99). While the company shows explosive year-over-year revenue and earnings growth, its quarterly earnings track record is highly erratic with a severe average surprise of -153.5% over the last four quarters. The primary attraction is a robust 10.46% dividend yield supported by a very low payout ratio (17.21%), suggesting the dividend is sustainable despite operational instability. Overall, the deep valuation discount is offset by poor financial health markers and negative price momentum.
Key Strengths
Deep value pricing relative to Graham Number ($18.84) and Intrinsic Value ($35.99)
Exceptional dividend yield of 10.46% with a sustainable payout ratio of 17.21%
Strong YoY growth metrics (Revenue +50.20%, Earnings +118.70%)
Low valuation multiples (P/E 12.21, P/B 1.15) compared to sector averages
Positive analyst recommendation with a target price of $16.50
Key Risks
Weak financial health as indicated by a Piotroski F-Score of 3/9
Highly volatile earnings history with frequent and significant misses
Strongly bearish technical trend (10/100) and poor 5-year price performance (-60%)
Low insider sentiment (40/100) with zero recent buy activity
Significant discrepancy between reported growth and actual quarterly earnings consistency
AI Fair Value Estimate
Based on comprehensive analysis
$21.5
+44.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
61
Strong
90
65
30
25
95
AI Verdict
Speculative Value
Key drivers: Deep valuation discount, High dividend yield, Poor operational health (Piotroski), Erratic earnings track record
Confidence
80%
Value
90/100
Ref P/E, PEG, Graham Number
Positives
- Price $14.90 is well below Graham Number $18.84
- P/E of 12.21 is low for the growth profile
Watchpoints
- Low P/B suggests market doubts about asset quality
Future
65/100
Ref Growth rates
Positives
- Triple-digit YoY earnings growth
- Strong Q/Q revenue expansion
Watchpoints
- Unreliable earnings surprises make forecasting difficult
Past
30/100
Ref Historical trends
Positives
- Recent 1Y recovery (+46.3%)
Watchpoints
- 5Y change of -60%
- Consistent failure to meet earnings estimates in 2024-2025
Health
25/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Positive ROE (10.29%)
Watchpoints
- Piotroski F-Score 3/9 indicates weak financial health
Dividend
95/100
Ref Yield, Payout
Positives
- Double-digit yield (10.46%)
- Very low payout ratio (17.21%)
Watchpoints
No urgent risks highlighted.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$14.9
Analyst Target
$16.5
Upside/Downside
+10.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for MCHB and closest competitors.
Updated 2026-04-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
MCHB
Mechanics Bancorp
Primary
|
-60.0% | -9.9% | +46.3% | +13.1% | +4.8% | -0.4% |
|
GBDC
Golub Capital BDC, Inc.
Peer
|
+36.8% | +33.6% | -0.4% | -1.4% | +6.1% | -0.9% |
|
AHL
Aspen Insurance Holdings Limite
Peer
|
+14.7% | +14.7% | +14.7% | +16.8% | +0.6% | -0.1% |
|
BFH
Bread Financial Holdings, Inc.
Peer
|
+35.8% | +79.6% | +7.7% | +9.5% | -10.3% | -6.7% |
|
BANC
Banc of California, Inc.
Peer
|
+24.0% | +31.3% | +30.2% | +33.3% | +1.3% | -4.2% |
MCH
Mechanics Bancorp
Primary
5Y
-60.0%
3Y
-9.9%
1Y
+46.3%
6M
+13.1%
1M
+4.8%
1W
-0.4%
GBD
Golub Capital BDC, Inc.
Peer
5Y
+36.8%
3Y
+33.6%
1Y
-0.4%
6M
-1.4%
1M
+6.1%
1W
-0.9%
AHL
Aspen Insurance Holdings Limite
Peer
5Y
+14.7%
3Y
+14.7%
1Y
+14.7%
6M
+16.8%
1M
+0.6%
1W
-0.1%
BFH
Bread Financial Holdings, Inc.
Peer
5Y
+35.8%
3Y
+79.6%
1Y
+7.7%
6M
+9.5%
1M
-10.3%
1W
-6.7%
BAN
Banc of California, Inc.
Peer
5Y
+24.0%
3Y
+31.3%
1Y
+30.2%
6M
+33.3%
1M
+1.3%
1W
-4.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.21
Forward P/E
11.08
PEG Ratio
N/A
P/B Ratio
1.15
P/S Ratio
5.13
EV/Revenue
3.89
EV/EBITDA
N/A
Market Cap
$3.3B
Profitability
Profit margins and return metrics
Profit Margin
41.35%
Operating Margin
49.1%
Gross Margin
N/A
ROE
10.29%
ROA
1.37%
Growth
Revenue and earnings growth rates
Revenue Growth
+50.2%
Earnings Growth
+118.7%
Q/Q Revenue Growth
+37.45%
Q/Q Earnings Growth
+140.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$4.89
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.2B
Net Margin
61.8%
Total Assets
$22.4B
Liabilities
$19.5B
Equity
$2.9B
Debt/Equity
6.81x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
97%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-27
$N/A
2026-01-30
$0.59
+125.7% surprise
2025-10-30
$0.28
-49.9% surprise
2025-07-28
$-0.16
-536.3% surprise
Financial Services Sector Comparison
Comparing MCHB against 404 companies in the Financial Services sector
(68 bullish, 175 neutral, 161 bearish)
P/E Ratio
12.21
This Stock
vs
49.16
Sector Avg
-75.2%
(Discount)
Return on Equity (ROE)
10.29%
This Stock
vs
-0.06%
Sector Avg
-16886.8%
(Below Avg)
Profit Margin
41.35%
This Stock
vs
60.11%
Sector Avg
-31.2%
(Weaker)
Revenue Growth
50.2%
This Stock
vs
42.19%
Sector Avg
+19.0%
(Growing)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
MCHB
Mechanics Bancorp
|
NEUTRAL | $3.3B | 12.21 | 10.3% | 41.3% | $14.9 | |
|
GBDC
Golub Capital BDC, Inc.
|
BEARISH | $3.31B | 10.06 | 8.3% | 38.6% | $12.58 | Compare |
|
AHL
Aspen Insurance Holdings Limite
|
BEARISH | $3.42B | 5.48 | 14.0% | 14.2% | $37.26 | Compare |
|
BFH
Bread Financial Holdings, Inc.
|
NEUTRAL | $3.14B | 7.19 | 14.8% | 18.8% | $68.78 | Compare |
|
BANC
Banc of California, Inc.
|
NEUTRAL | $3.1B | 17.79 | 6.0% | 20.4% | $19.92 | Compare |
MCHB
Mechanics Bancorp
NEUTRAL
Mkt Cap
$3.3B
P/E
12.2
ROE
10.3%
Price
$14.9
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-27 | GIVANS SCOTT A | Officer | Stock Award | 6,574 | - |
| 2026-02-27 | DUDA NATHAN | Chief Financial Officer | Stock Award | 7,626 | - |
| 2026-02-27 | PELAYO FERNANDO | Officer | Stock Award | 4,470 | - |
| 2026-02-27 | KALLINGAL TONY | Officer | Stock Award | 6,048 | - |
| 2026-02-27 | SHRADER GLENN C. | General Counsel | Stock Award | 3,366 | - |
| 2026-02-27 | SHIELDS KRISTIE S. | Officer | Stock Award | 4,207 | - |
| 2026-02-27 | PIERCE CHRISTOPHER D. | Chief Operating Officer | Stock Award | 7,626 | - |
| 2026-02-13 | GIVANS SCOTT A | Officer | Stock Award | 4,164 | - |
| 2026-02-13 | DUDA NATHAN | Chief Financial Officer | Stock Award | 2,571 | - |
| 2026-02-13 | PELAYO FERNANDO | Officer | Stock Award | 2,506 | - |
| 2026-02-13 | KALLINGAL TONY | Officer | Stock Award | 4,580 | - |
| 2026-02-13 | SHRADER GLENN C. | General Counsel | Stock Award | 7,197 | - |
| 2026-02-13 | SHIELDS KRISTIE S. | Officer | Stock Award | 8,274 | - |
| 2026-02-13 | PIERCE CHRISTOPHER D. | Chief Operating Officer | Stock Award | 4,580 | - |
GIVANS SCOTT A
Officer
2026-02-27
6,574 shares
DUDA NATHAN
Chief Financial Officer
2026-02-27
7,626 shares
PELAYO FERNANDO
Officer
2026-02-27
4,470 shares
KALLINGAL TONY
Officer
2026-02-27
6,048 shares
SHRADER GLENN C.
General Counsel
2026-02-27
3,366 shares
SHIELDS KRISTIE S.
Officer
2026-02-27
4,207 shares
PIERCE CHRISTOPHER D.
Chief Operating Officer
2026-02-27
7,626 shares
GIVANS SCOTT A
Officer
2026-02-13
4,164 shares
DUDA NATHAN
Chief Financial Officer
2026-02-13
2,571 shares
PELAYO FERNANDO
Officer
2026-02-13
2,506 shares
KALLINGAL TONY
Officer
2026-02-13
4,580 shares
SHRADER GLENN C.
General Counsel
2026-02-13
7,197 shares
SHIELDS KRISTIE S.
Officer
2026-02-13
8,274 shares
PIERCE CHRISTOPHER D.
Chief Operating Officer
2026-02-13
4,580 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
2 analysts
Cantor Fitzgerald
2026-04-10
Overweight
Keefe, Bruyette & Woods
2025-10-20
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning MCHB from our newsroom.
Newest → oldest
No matching news yet.