Mechanics Bancorp (MCHB) stock
MCHBNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 15/3053% below fair value
$14.40+0.02 (+0.14%)
Close on Nov 13, 2026Market cap $3.19BP/E 12.3Yield –
Mechanics Bancorp statistics
85 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 29, 2027 (estimated, during market hours)
- Last ex-dividend date
- Aug 28, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.95
- 1.52
- P/OCF Ratio
- 15.38
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 51.41
- 2.95
- EV / FCF
- 13.24
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 9.21%
- 0.33%
- Float
- 39M
- 17M
- Shares Held by Insiders
- 82.3%
- 6.05%
- Shares Held by Institutions
- 11.1%
- 61.3%
Short sellingIndustry
- Short Interest
- 5M
- –
- Short Interest Change
- 19.6%
- -4.13%
- Short % of Float
- 12.1%
- 3.58%
- Short % of Shares Outstanding
- 2.15%
- 3.18%
- Days to Cover
- 6.52
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $17.38
- –
- 52-Week Low
- $13.02
- –
- 20-Day Moving Average
- $14.77
- –
- 50-Day Moving Average
- $14.90
- –
- 200-Day Moving Average
- $15.24
- –
- Average True Range (14)
- $0.36
- –
- Price Change (1 Week)
- -2.17%
- 0.69%
- Price Change (1 Month)
- 0.42%
- 3.79%
- Price Change (3 Months)
- -14.0%
- -2.72%
- Price Change (6 Months)
- 0.00%
- 12.2%
- Price Change (YTD)
- -1.57%
- 19.9%
- Price Change (1 Year)
- 9.34%
- 25.7%
- Price Change (3 Years)
- 115.2%
- 65.1%
- Price Change (5 Years)
- -72.3%
- 26.9%
- Price Change (10 Years)
- -46.0%
- 66.8%
- Average Volume (10 Days)
- 361,418
- –
- Average Volume (20 Days)
- 538,767
- –
- Average Volume (90 Days)
- 568,113
- –
- Relative Volume
- 0.45
- 0.68
- Relative Strength Index (14)
- 41.3
- 53.1
- Volatility (1 Year)
- 28.5%
- 24.4%
- Beta (5 Years)
- 0.94
- 0.63
MarginsIndustry
- Pretax Margin
- 673.5%
- 37.0%
- FCF Margin
- 388.2%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 9.67%
- 10.7%
- Return on Assets (ROA)
- 1.19%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- -0.68%
- 11.7%
- Net Income Growth (YoY)
- 25.6%
- 22.6%
- FCF Growth (YoY)
- 31.0%
- 27.2%
- Revenue Growth (3Y CAGR)
- -44.1%
- 5.82%
- Revenue Growth (5Y CAGR)
- -32.6%
- 6.17%
- EPS Growth (3Y CAGR)
- 57.2%
- 1.31%
- EPS Growth (5Y CAGR)
- 31.3%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.00
- 0.04
- Revenue Per Employee
- $25.52K
- $358.92K
- Profits Per Employee
- $131.39K
- $110.51K
- Employee Count
- 1,971
- 492
- WACC
- 9.80%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $338.81M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $602.46M
- $165.09M
- Net Cash Per Share
- $2.72
- $8.07
- Equity (Book Value)
- $2.57B
- $570.13M
- Book Value Per Share
- $11.60
- $28.12
- Tangible Book Value
- $1.63B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$12.05M
- -$4.24M
- FCF Per Share
- $0.88
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.12%
- 8.29%
- FCF Yield
- 6.12%
- 9.18%
- Payout Ratio
- 139.4%
- 28.5%
- FCF Payout Ratio
- 184.9%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $79.84M
- $16.14M
- Effective Tax Rate
- 23.6%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $17.47
- $45.07
- Graham Upside
- 21.3%
- 18.8%
- Altman Z-Score
- 0.13
- 0.22
- Piotroski F-Score
- 4
- 6
- Lynch Fair Value
- $29.25
- –
- Lynch Upside
- 103.1%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | MCHB | S&P 500 | Difference | MCHB per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +1.2% | -3.0% | +4.2 pts | ||
| 3 months | -14.6% | -2.8% | −11.8 pts | ||
| Year to date | +7.8% | +11.5% | −3.7 pts | ||
| 1 year | +21.4% | +13.5% | +8.0 pts | ||
| 3 years | +198.9% | +77.7% | +121.2 pts | +44.0% | +21.1% |
| 5 years | -66.2% | +72.6% | −138.8 pts | -19.5% | +11.5% |
| 10 years | -33.2% | +308.2% | −341.4 pts | -4.0% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
5M MCHB shares were sold short on Oct 30, 2026, up 19.6% from the previous report, or 12.15% of the shares available to trade. At recent volumes it would take 6.5 days to buy them back. Over the last 20 sessions, 63.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 4,765,462 | +19.6% | 730,511 | 6.5 |
| Oct 15, 2026 | 3,984,076 | -0.1% | 538,523 | 7.4 |
| Sep 30, 2026 | 3,988,149 | +1.9% | 568,648 | 7.0 |
| Sep 15, 2026 | 3,912,741 | +1.9% | 423,784 | 9.2 |
| Aug 31, 2026 | 3,839,922 | +10.2% | 409,659 | 9.4 |
| Aug 14, 2026 | 3,485,883 | +0.5% | 470,774 | 7.4 |
| Jul 31, 2026 | 3,466,999 | +2.0% | 940,134 | 3.7 |
| Jul 15, 2026 | 3,397,993 | -0.4% | 456,445 | 7.4 |
| Jun 30, 2026 | 3,413,188 | -10.1% | 553,472 | 6.2 |
| Jun 15, 2026 | 3,796,303 | -9.5% | 473,666 | 8.0 |
| May 29, 2026 | 4,195,188 | +7.0% | 466,595 | 9.0 |
| May 15, 2026 | 3,921,312 | -6.4% | 416,910 | 9.4 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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