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
Headquarters
Website
Mechanics Bank Metrics
BasicAdvanced
$3B
16.24
$0.84
0.24
-
Price and volume
Market cap
$3B
Beta
0.24
52-week high
$14.58
52-week low
$8.41
Average daily volume
254K
Financial strength
Dividend payout ratio (TTM)
16.86%
Profitability
Net profit margin (TTM)
30.21%
Operating margin (TTM)
46.11%
Effective tax rate (TTM)
26.85%
Revenue per employee (TTM)
$330,000
Management effectiveness
Valuation
Price to earnings (TTM)
16.242
Price to revenue (TTM)
4.904
Price to book
1.2
Price to tangible book (TTM)
1.88
Price to free cash flow (TTM)
14.203
Free cash flow yield (TTM)
7.04%
Free cash flow per share (TTM)
0.959
Growth
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
Mechanics Bank Earnings Performance
Company profitability
Mechanics Bank News
AllArticlesVideos
Mechanics Bancorp Reports Third Quarter 2025 Results Following Completion of Merger with HomeStreet Bank
Business Wire11 hours ago
Mechanics Bancorp Announces Date of Third Quarter 2025 Earnings Release and Conference Call
Business Wire2 weeks ago
Mechanics Bank and HomeStreet, Inc. Receive Regulatory Approvals for Pending Strategic Merger
Business Wire2 months ago
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.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Mechanics Bank stock?
Mechanics Bank (MCHB) has a market cap of $3B as of October 31, 2025.
What is the P/E ratio for Mechanics Bank stock?
The price to earnings (P/E) ratio for Mechanics Bank (MCHB) stock is 16.24 as of October 31, 2025.
Does Mechanics Bank stock pay dividends?
No, Mechanics Bank (MCHB) stock does not pay dividends to its shareholders as of October 31, 2025.
When is the next Mechanics Bank dividend payment date?
Mechanics Bank (MCHB) stock does not pay dividends to its shareholders.
What is the beta indicator for Mechanics Bank?
Mechanics Bank (MCHB) has a beta rating of 0.24. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.