Mechanics Bank/$MCHB

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About Mechanics Bank

Mechanics Bancorp is an independent, full-service community bank. It provides personal banking, business banking, trust and estate, brokerage and wealth management services. Mechanics' retail banking products include personal checking, savings and loan products (including credit card, home equity, home mortgage and secured/unsecured loans), online banking and wealth management services (including trust and estate, investment management and financial planning services). Mechanics' banking products and services for businesses include business checking and savings accounts, business debit cards, online banking, cash management services, wealth management services, business credit cards, commercial real estate loans, equipment leasing and loans guaranteed by the Small Business Administration.

Ticker

$MCHB
Sector
Primary listing

Employees

1,800

Mechanics Bank Metrics

BasicAdvanced
$3B
16.24
$0.84
0.24
-

What the Analysts think about Mechanics Bank

Analyst ratings (Buy, Hold, Sell) for Mechanics Bank stock.

Bulls say / Bears say

The strategic merger with HomeStreet Bank, completed on September 2, 2025, expanded Mechanics Bancorp’s branch network to 166 locations and increased assets to over $22 billion, enhancing its scale and West Coast market presence (Business Wire)
Mechanics Bancorp reported nonperforming loans of $47.7 million, or just 0.48% of total loans, at March 31, 2025—down from 0.52% at year-end—underscoring its strong asset quality and disciplined credit management (Yahoo Finance)
The combined entity now boasts a best-in-class deposit franchise across California, Oregon, Washington, and Hawaii, strengthening low-cost core funding and supporting net interest margin stability (Business Wire)
The full integration of HomeStreet’s systems into Mechanics Bancorp is scheduled for Q1 2026, posing operational disruption risks and potential customer attrition during the transition period (HomeStreet)
Mechanics Bancorp’s regulatory filings show potential problem loans rose to $125.2 million at March 31, 2025 from $116.1 million at December 31, 2024, signaling a deterioration in credit quality that may pressure provisions (Yahoo Finance)
Keefe, Bruyette & Woods’ Market Perform rating and an average one-year price target of $14.28 imply only about 4.65% upside, reflecting limited analyst enthusiasm for MCHB’s near-term stock performance (Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 23 Oct 2025.

Mechanics Bank Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Mechanics Bank Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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