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MECHANICS BANCORP-A

MCHBNASDAQ
๐Ÿ† #1231 by market capEarnings Oct 29US Equity
$17.16โ–ฒ $0.45 (+2.63%)
Market closed ยท at close
1hโ€”
24hโ–ฒ 2.6%
7dโ–ฒ 3.2%
14dโ–ฒ 4.1%
30dโ–ฒ 5.7%
1yโ–ฒ 29.7%
๐ŸฆMarket Cap
$343,200
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
โ€”
๐Ÿ“ŠGross Margin
โ€”
๐Ÿ’ตFCF Margin
โ€”
โš–๏ธP/S Ratio
โ€”
Otter Score
54
Weak

Trading Snapshot

Day Range
$17.11 โ€“ $17.37
52-Week Range
$12.50 โ€“ $17.19
Volume
$2.42B
Avg Volume
$2.62B
Shares Outstanding
20,000
Next Earnings
Oct 28, 2026

Fundamentals Snapshot

Annual Revenue
$1.03B
Last Q Revenue
$262M
P/E Ratio
17.6
P/S Ratio
โ€”
EPS (TTM)
$0.79
Dividend Yield
3.65%

Why Investors Own MCHB

  • โœ“High-growth profile โ€” revenue up +29.6% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 40% gross margin and 6% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$1.03Bโ–ฒ +25.2% YoY
Gross Margin (TTM)
39.9%โ–ฒ +0.2% YoY
Operating Income (TTM)
$370Mโ–ฒ +25.2% YoY
Free Cash Flow (TTM)
$63Mโ–ฒ +25.2% YoY

About MECHANICS BANCORP-A

Mechanics Bank delivers a comprehensive suite of financial solutions, catering to the diverse needs of individual clients and small to mid-sized businesses. Its foundational offerings include a variety of checking and savings accounts. Beyond core deposit services, the bank provides an extensive portfolio of lending options, encompassing personal loans for homes and automobiles, various business financing such as term loans, lines of credit, equipment financing, and Small Business Administration (SBA) loans. It also specializes in multi-family, commercial, and owner-occupied real estate lending. The institution further supports its clients with credit and debit cards, sophisticated payable and receivable solutions, robust fraud prevention, and comprehensive cash management services. For businesses, it delivers merchant and payroll services, Paycheck Protection Program (PPP) solutions, and workplace benefit plans. Additional specialized services span foreign currency exchange, cashier's checks, wire transfers, overdraft protection, deposit and treasury services, alongside sophisticated wealth management offerings like trust and estate planning, investment and asset management, and retirement planning. Convenience is enhanced through its online and mobile banking platforms. The bank operates an extensive network of 115 branch locations strategically positioned across key Californian regions, including the Greater San Francisco, Sacramento, Los Angeles, and San Diego areas, as well as the Central Valley. Established in 1905, Mechanics Bank is headquartered in Walnut Creek, California.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Weak
54/100

Analyst Ratings

โ“˜
Consensus
Buy
9 analysts
Strong Buy2
Buy5
Hold2
Sell0
Strong Sell0
Ratings as of Aug 2026

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