Stock AnalizMechanics Bancorp MCHB
Major Banks · IPO 2012 · data as of November 13, 2026
Mechanics Bancorp (MCHB) is a financial company listed in the US with a market value of about $3.2B. In the twelve months to September 30, 2026 it had revenue of $824M and net income of $259M, a net margin of 31.4%.
Its overall Stock Analiz score is 3.6 out of 5 (good). The strongest part is value (5/5); the weakest is track record (2/5).
Key numbers: a P/E of 12.2, a price to free cash flow of 16.3, 5-year revenue growth of 18% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 21% above the current price.
Score: 3.6 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
Checks not passed
- 3-year free cash flow growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- ROE above 15%
- Interest covered more than 5 times
- Liabilities below 60% of assets
- Share count down over 3 years (buybacks)
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $824M | $809M | $380M | $209M | $285M | $347M | $358M | $264M | $226M | $217M | $539M |
| Net income | $259M | $266M | $29M | -$28M | $67M | $115M | $80M | $18M | $40M | $69M | $58M |
| Free cash flow | $195M | $187M | $286M | $4M | $212M | $170M | -$29M | $257M | $276M | $117M | -$69M |
| EPS (diluted) | $1.18 | $1.27 | $0.14 | $-0.14 | $0.33 | $0.51 | $0.32 | $0.06 | $0.14 | $0.24 | $0.22 |
| Net margin | 31.4% | 32.9% | 7.6% | -13.2% | 23.4% | 33.3% | 22.3% | 6.6% | 17.7% | 31.8% | 10.8% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 4 analysts is $16.12, 12% above the current price; targets range from $15.50 to $17.00; the consensus rating is “Buy”; expected EPS is $1.01 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Mechanics Bancorp’s P/E ratio?
About 12.2, based on the last twelve months of diluted earnings per share (forward P/E about 13.5).
Is Mechanics Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 21% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Mechanics Bancorp pay a dividend?
Yes. The dividend yield is about 10.71%, and it has paid dividends for 6 years in our data.
Is Mechanics Bancorp a good stock to buy?
We do not give buy or sell advice. Mechanics Bancorp scores 3.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.