
Mechanics Bank
MCHBNASDAQFinancial ServicesBanks - Regional
Latest quote
$16.21
−$0.17 · -1.04%
MCHB company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
91
Deep Value
Momentum
54
Neutral
Sentiment
57
Mixed
Risk resilience
77
Moderate Risk
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Company profile
Company websiteMechanics 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.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- C. J. Johnson
- Listed since
- May 1, 2007
- Employees
- 1,756
Market position
- Volume
- 461.23K
- 0.85× average
- Average volume
- 544.9K
- Average daily volume
- Market cap
- 3.57B USD
- Beta
- 0.15
- Market reference 1
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 2.45B USD
- P/E (TTM)
- 12.96×
- P/B (TTM)
- 1.4×
- P/S (TTM)
- 3.37×
- EV / EBITDA
- 7.41×
- Earnings yield
- 8.31%
- Free cash flow yield
- 5.85%
- Dividend yield
- 8.09%
Profitability & efficiency
- Gross margin
- 73.12%
- Operating margin
- 31.51%
- Net margin
- 26.53%
- Return on equity
- 9.28%
- Return on assets
- 1.18%
- Return on invested capital
- 1.18%
Financial health
- Debt / equity
- 0.08×
- Current ratio
- 8.2×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.03B USD | 589.62M USD | 779.42M USD | 703.83M USD | 364.27M USD |
| Cost of goods sold | 245.56M USD | 215.04M USD | 156.5M USD | 46.46M USD | 2.24M USD |
| Gross profit | 785.37M USD | 374.58M USD | 622.92M USD | 657.37M USD | 362.03M USD |
| Selling, general, and administrative | 231.45M USD | 209.07M USD | 213.58M USD | 219.85M USD | 144.87M USD |
| Operating expenses | 465.82M USD | 338.88M USD | 344.98M USD | 355.23M USD | 215.34M USD |
| Interest income | 811.76M USD | 735.72M USD | 718.96M USD | 651.07M USD | 244.3M USD |
| Interest expense | 226.05M USD | 216.55M USD | 155.75M USD | 19.84M USD | 17.24M USD |
| Depreciation and amortization | 10.62M USD | 22.82M USD | 27.99M USD | 31.66M USD | 10.97M USD |
| Operating income | 319.55M USD | 35.7M USD | 277.94M USD | 302.13M USD | 146.69M USD |
| Net income | 265.74M USD | 29M USD | 201.91M USD | 216.58M USD | 115.42M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 36%
- 4 beats, 7 misses, 0 met estimates
- Average EPS surprise
- -34.82%
- 11 comparable reports
- Latest EPS result
- 0.27
- Estimate 0.25 · Beat by 8.00%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
MCHB peers
ETFs holding MCHB
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI17.76M0.00%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM16.63M0.02%81.62B USD0.19%$299.96+0.77%
State Street SPDR S&P Regional Banking ETFKRE9.88M0.24%4.06B USD0.35%$74.86+0.20%
Vanguard Extended Market ETFVXF9.32M0.01%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Value ETFIWN6.4M0.04%14.66B USD0.24%$224.81+0.45%
Vanguard Russell 2000 ETFVTWO3.78M0.02%17.4B USD0.06%$121.25+0.74%
Schwab U.S. Small-Cap ETFSCHA3.69M0.02%23.1B USD0.03%$34.83+0.52%
Principal U.S. Small-Cap Multi-Factor ETFPSC2.54M0.10%1.3B USD0.38%$69.7689+0.94%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 17.76M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 16.63M
- Weight
- 0.02%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 9.88M
- Weight
- 0.24%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $74.86+0.20%
Vanguard Extended Market ETFVXF- Market value
- 9.32M
- Weight
- 0.01%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Value ETFIWN- Market value
- 6.4M
- Weight
- 0.04%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
Vanguard Russell 2000 ETFVTWO- Market value
- 3.78M
- Weight
- 0.02%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
Schwab U.S. Small-Cap ETFSCHA- Market value
- 3.69M
- Weight
- 0.02%
- AUM
- 23.1B USD
- Expense ratio
- 0.03%
- Price / 1D
- $34.83+0.52%
Principal U.S. Small-Cap Multi-Factor ETFPSC- Market value
- 2.54M
- Weight
- 0.10%
- AUM
- 1.3B USD
- Expense ratio
- 0.38%
- Price / 1D
- $69.7689+0.94%
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