Mechanics Bancorp (MCHB)

Mechanics Bancorp Statistics

Total Valuation

MCHB has a market cap or net worth of $3.44 billion. The enterprise value is $2.24 billion.

Market Cap	3.44B
Enterprise Value	2.24B

Important Dates

The last earnings date was Thursday, October 30, 2025, after market close.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	n/a

Share Statistics

MCHB has 221.21 million shares outstanding. The number of shares has increased by 0.73% in one year.

Current Share Class	220.10M
Shares Outstanding	221.21M
Shares Change (YoY)	+0.73%
Shares Change (QoQ)	-1.75%
Owned by Insiders (%)	0.32%
Owned by Institutions (%)	8.52%
Float	47.62M

Valuation Ratios

The trailing PE ratio is 17.21 and the forward PE ratio is 13.41.

PE Ratio	17.21
Forward PE	13.41
PS Ratio	5.86
Forward PS	3.88
PB Ratio	1.24
P/TBV Ratio	1.92
P/FCF Ratio	23.06
P/OCF Ratio	22.24
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.58
EV / Sales	3.95
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	15.00

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.95
Interest Coverage	n/a

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$278,358
Profits Per Employee	$94,843
Employee Count	2,036
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, MCHB has paid $39.69 million in taxes.

Income Tax	39.69M
Effective Tax Rate	17.05%

Stock Price Statistics

The stock price has increased by +93.76% in the last 52 weeks. The beta is 0.18, so MCHB's price volatility has been lower than the market average.

Beta (5Y)	0.18
52-Week Price Change	+93.76%
50-Day Moving Average	13.53
200-Day Moving Average	9.48
Relative Strength Index (RSI)	76.60
Average Volume (20 Days)	400,385

Short Selling Information

The latest short interest is 1.13 million, so 0.51% of the outstanding shares have been sold short.

Short Interest	1.13M
Short Previous Month	1.02M
Short % of Shares Out	0.51%
Short % of Float	2.37%
Short Ratio (days to cover)	6.34

Income Statement

In the last 12 months, MCHB had revenue of $566.74 million and earned $193.10 million in profits. Earnings per share was $0.90.

Revenue	566.74M
Gross Profit	566.74M
Operating Income	241.08M
Pretax Income	232.79M
Net Income	193.10M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.90

Balance Sheet

The company has $1.49 billion in cash and $291.29 million in debt, giving a net cash position of $1.20 billion or $5.43 per share.

Cash & Cash Equivalents	1.49B
Total Debt	291.29M
Net Cash	1.20B
Net Cash Per Share	$5.43
Equity (Book Value)	2.77B
Book Value Per Share	12.54
Working Capital	-18.17B

Cash Flow

In the last 12 months, operating cash flow was $154.58 million and capital expenditures -$5.49 million, giving a free cash flow of $149.09 million.

Operating Cash Flow	154.58M
Capital Expenditures	-5.49M
Free Cash Flow	149.09M
FCF Per Share	$0.67

Margins

Gross Margin	n/a
Operating Margin	42.54%
Pretax Margin	41.08%
Profit Margin	34.07%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	26.31%

Dividends & Yields

MCHB does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.73%
Shareholder Yield	-0.73%
Earnings Yield	5.62%
FCF Yield	4.34%

Analyst Forecast

The average price target for MCHB is $14.50, which is -6.78% lower than the current price. The consensus rating is "Hold".

Price Target	$14.50
Price Target Difference	-6.78%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on September 2, 2025. It was a forward split with a ratio of 3301.092:1.

Last Split Date	Sep 2, 2025
Split Type	Forward
Split Ratio	3301.092:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2