Mechanics Bancorp Class A Common Stock (MCHB)

Price$14.92

Favorite Metrics

Price vs S&P 500 (26W)9.08%

Price vs S&P 500 (4W)0.83%

Market Capitalization$3.49B

P/E Ratio (Annual)13.12x

Indicated Dividend Yield (Annual)8.10%

All Metrics

P/CF (Annual)18.00x

Book Value / Share (Quarterly)$12.93

P/TBV (Annual)1.26x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)-3.06%

Cash Flow / Share (Quarterly)$0.85

Payout Ratio (TTM)39.07%

Price vs S&P 500 (YTD)0.30%

EPS (TTM)$0.35

10-Day Avg Trading Volume0.45M

EPS Excl Extra (TTM)$0.35

EPS (Annual)$1.27

Dividend / Share (Annual)$0.40

ROI (Annual)8.70%

P/E Basic Excl Extra (TTM)20.43x

EPS Growth (5Y)-18.15%

P/E Normalized (Annual)13.12x

ROA (Last FY)1.19%

EBITD / Share (TTM)$1.71

ROE (5Y Avg)-0.84%

Cash Flow / Share (Annual)$0.85

P/B Ratio1.22x

P/B Ratio (Quarterly)1.13x

Net Income / Employee (Annual)$0

ROA (TTM)1.13%

EV / EBITDA (TTM)18.37x

EPS Incl Extra (Annual)$1.27

3-Month Avg Trading Volume0.57M

52-Week Price Return41.94%

EV / Free Cash Flow (Annual)19.66x

P/E Incl Extra (TTM)20.43x

Tangible BV / Share (Quarterly)$11.59

P/S Ratio (Annual)3.67x

52-Week High$43478.00

EPS Excl Extra (Annual)$1.27

CapEx CAGR (5Y)14.58%

Tangible BV CAGR (5Y)33.75%

26-Week Price Return13.06%

13-Week Price Return4.37%

Total Debt / Equity (Annual)0.07x

Enterprise Value$3,677.178

Book Value / Share Growth (5Y)-17.05%

Pretax Margin (Annual)26.30%

Cash / Share (Annual)$6640.11

3-Month Return Std Dev31.17%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)24.00%

EBITDA Interim CAGR (5Y)56.91%

ROE (Last FY)9.28%

EPS Basic Excl Extra (Annual)$1.27

P/FCF (TTM)15.88x

EV / Free Cash Flow (TTM)19.66x

Total Debt / Equity (Quarterly)0.07x

EPS Incl Extra (TTM)$0.35

ROI (TTM)9.38%

Dividend Growth Rate (5Y)-7.80%

Revenue / Share (Annual)$6756.90

Tangible BV / Share (Annual)$11.59

Forward P/E12.70x

Price vs S&P 500 (52W)12.11%

P/E Ratio (TTM)20.43x

Year-to-Date Return2.94%

5-Day Price Return-2.40%

EPS Normalized (Annual)$1.27

ROA (5Y Avg)0.29%

Net Profit Margin (Annual)14.85%

Month-to-Date Return2.10%

EBITD / Share (Annual)$1.58

EPS Growth (3Y)-28.58%

Operating Margin (Annual)26.30%

LT Debt / Equity (Annual)0.07x

P/CF (TTM)18.00x

ROI (5Y Avg)3.32%

P/E Excl Extra (TTM)20.43x

LT Debt / Equity (Quarterly)0.07x

EPS Basic Excl Extra (TTM)$0.35

P/TBV (Quarterly)1.26x

Payout Ratio (Annual)18.27%

P/B Ratio (Annual)1.13x

Dividend / Share (TTM)$0.00

Book Value / Share (Annual)$12.93

Price vs S&P 500 (13W)3.68%

Dividend Yield (TTM)0.00%

Beta234.27x

P/FCF (Annual)18.63x

ROE (TTM)10.60%

52-Week Low$10.41

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

2.17

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
MCHBMechanics Bancorp Class A Common Stock	1.13x	10.60%	1.13%	—	$14.92
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.33
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$75.00
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$134.84
FITBFifth Third Bancorp	1.42x	11.96%	1.19%	—	$49.52
FITBIFifth Third Bancorp Depositary Shares	1.42x	11.96%	1.19%	—	$25.32
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	1.42x	11.96%	1.19%	—	$25.83
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.42x	11.96%	1.19%	—	$19.38
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.42x	11.96%	1.19%	—	$24.05
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.15
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.72

About

Mechanics Bancorp is an independent, full-service community bank offering comprehensive personal and business banking services. For retail customers, it provides checking, savings, credit cards, mortgages, home equity loans, and online banking, alongside wealth management services including trust, estate planning, and investment management. For business clients, it offers commercial checking and savings accounts, cash management, commercial real estate loans, equipment leasing, and SBA-backed lending solutions.