# Mechanics Bancorp (MCHB) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $14.75, market value $3.3 billion.

## Valuation
- **P/E (trailing): 12.1×** (5-yr avg 60.2×, 3-yr avg 42.6×). Mechanics Bancorp trades at 12.1× trailing earnings, well below its own five-year average of 60.2×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 13.3×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.02**. A PEG of 0.02 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 65.7×**. Each dollar of revenue is priced at 65.7×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.5%** (5-yr avg 5.3%). Free cash flow equals 8.5% of the market value, above its five-year average of 5.3%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 8.3%**. The inverse of the P/E: 8.3% of the price is earned each year.

## Profitability
- **Return on equity: 9.3%**. 9.3% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 3.3%**. Revenue grew 3.3% over the last year.
- **EPS growth (1 yr): 807.1%** (3-yr 56.3%/yr, 5-yr 30.9%/yr). Earnings per share rose 807.1%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -4.0%/yr**. Free cash flow has compounded at -4.0% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $1.0 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 10.58%** ($1.56 per share, trailing). Mechanics Bancorp yields 10.58%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 18%**. 18% of earnings goes out as dividends, leaving room to keep raising it.
- **Dividend growth (5 yr): -18.9%/yr** (1-yr -100.0%). The dividend has not grown over five years.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover Mechanics Bancorp; the consensus is buy, with an average price target of $16.50 (+12% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 22.9%** (YTD 10.9%, 3-mo -11.5%). The shares are up 22.9% over twelve months including dividends.
- **From 52-week high: -15.1%** (13.3% above the low). Trading 15% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 54**. An RSI of 54 is neutral.
- **Beta (1 yr): 0.52** (volatility 27%). Beta of 0.52 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=MCHB · Page: https://foliofundamentals.com/stocks/mchb

Not investment advice.