Mechanics Bancorp vs TriCo Bancshares
MCHB and TCBK side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How MCHB and TCBK compare
Mechanics Bancorp is the larger company, worth 1.9 times as much as TriCo Bancshares ($3.2B against $1.7B).
On earnings, Mechanics Bancorp is cheaper: it trades at 11.4× trailing earnings, against 12.6× for TriCo Bancshares.
Mechanics Bancorp grew revenue faster over the last twelve months (10.9% versus 3.9% for TriCo Bancshares).
Mechanics Bancorp keeps more of each dollar of sales as profit, with a net margin of 530% compared with 250% at TriCo Bancshares.
Both pay dividends: Mechanics Bancorp yields 10.7% and TriCo Bancshares 2.7%.
Mechanics Bancorp scores higher on the StockData Score (20 against 14 for TriCo Bancshares), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | MCHB | TCBK |
|---|---|---|
| Size and price | ||
| Market cap | $3.2B | $1.7B |
| Share price | $14.64 | $52.52 |
| Change, 1 year | 8.9% | 19.2% |
| Change, 5 years | −70.1% | 12.5% |
| Beta (5Y) | 0.95 | 0.61 |
| Employees | 1,971 | 1,148 |
| StockData Score | ||
| Total score | 20 (better) | 14 |
| Valuation score | 5 (better) | 1 |
| Growth score | 2 (better) | 1 |
| Performance score | 4 | 4 |
| Health score | 6 (better) | 4 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 11.4× (better) | 12.6× |
| P/S | 61.0× | 30.9× (better) |
| P/B | 1.2× (better) | 1.2× |
| P/FCF | 17.6× | 12.6× (better) |
| PEG | 0.20 | – |
| FCF yield | 5.7% | 7.9% (better) |
| Fair value | $35.13 | $51.90 |
| Margin of safety | 58.3% (better) | −1.2% |
| Growth | ||
| Revenue growth (TTM) | 10.9% (better) | 3.9% |
| Revenue growth, 5Y average | −32.6% | 7.1% (better) |
| Net income growth (TTM) | 58.1% (better) | 21.0% |
| EPS growth (TTM) | – | 22.6% |
| EPS growth, 5Y average | 31.3% (better) | 11.4% |
| Profitability | ||
| Net margin | 530% (better) | 250% |
| FCF margin | 346% (better) | 245% |
| Return on equity | 11.0% (better) | 10.4% |
| Financial health | ||
| Debt / equity | 0.03 | – |
| Altman Z-score | 0.13 | 0.23 (better) |
| Piotroski F-score | 4 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 10.7% (better) | 2.7% |
| Payout ratio | 108% | 34.3% |
| Years of dividend growth | – | 13 |
| Dividend growth, 5Y average | – | 9.4% |
| Buyback yield | – | 2.2% |
| Shareholder yield | 10.7% (better) | 4.9% |
| Ownership | ||
| Held by institutions | 11.1% | 72.4% |
| Held by insiders | 82.3% | 8.3% |
| Insider net buying, 12 months | −$30 | – |
| Short interest, % of float | 10.2% | 5.1% |
Go deeper
- MCHB stock overview
- MCHB income statement
- MCHB valuation and score
- TCBK stock overview
- TCBK income statement
- TCBK valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.