Is Mechanics Bancorp (MCHB) Overvalued?
We dive into why Mechanics Bancorp (MCHB) could be considered overvalued on 2026-07-30, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
Mechanics Bancorp operates as the holding company for Mechanics Bank that provides banking services in California, Oregon, Washington, and Hawaii.It offers various checking and savings accounts, retirement accounts, money market accounts, time certificates of deposit, and safe deposit boxes. The company also provides home loans, auto loans, term loans and lines of credit, owner occupied real estate lending services, small business lending loans, multi-family lending services; mortgage and consumer lending loans; commercial real estate loans; residential construction loans; private banking, such as loan program, personal lines of credit and investment management and trust lines of credit. In addition, it offers unsecured consumer installment loans and personal reserve accounts; automated bill payments, remote and mobile deposit capture, automated clearing house origination, wire transfer, lockbox, payee positive pay, and direct deposit; digital banking. Further, the company provides real estate, escrow services, title, labor unions, nonprofits and property management services. Mechanics Bancorp was founded in 1905 and is headquartered in Walnut Creek, California.
Commentary & Analysis
Why Mechanics Bancorp’s (MCHB) Stock Is Down 5.28%
As of Friday, May 22, Mechanics Bancorp’s MCHB share price has dipped by 5.28%, which has investors questioning if this is right time to buy.Michael Rose
Why Mechanics Bancorp’s (MCHB) Stock Is Down 6.13%
As of Thursday, April 30, Mechanics Bancorp’s MCHB share price has dipped by 6.13%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Why Mechanics Bancorp’s (MCHB) Stock Is Down 5.17%
As of Monday, March 09, Mechanics Bancorp’s MCHB share price has dipped by 5.17%, which has investors questioning if this is right time to buy.Jenna Brashear
Why Mechanics Bancorp’s (MCHB) Stock Is Down 5.73%
As of Friday, February 27, Mechanics Bancorp’s MCHB share price has dipped by 5.73%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Financial Summary
| Share Statistics | MCHB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $3,886.1 | $716.9 | 63% |
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| Shares Out (Mil) | 232.3 | 15.7 | 79% |
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| Institutional Ownership | 75.1% | 83.0% | 45% |
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| Float (Mil) | 39.2 | 21.2 | 42% |
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| Beta | 0.15 | 0.48 | 10% |
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| Avg Daily Volume (000s) | 979 | 53 | 70% |
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| Price Change (52-week) |
113.2% | 96.7% | 93% |
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| Growth | MCHB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 3.9% | 7.6% | 31% |
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| Net Income (5yr) | 23.2% | 11.1% | 77% |
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| EPS (5yr) | 22.5% | 10.1% | 72 |
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| Dividends (5yr) | 0.0% | 3.6% | 71% |
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| Cash Flow (5yr) | (25.3%) | (17.0%) | 25% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | MCHB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $689 | $190 | 45% |
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| Net Income (TTM) (Mil) | $266 | $51 | 72% |
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| EPS (TTM) | $0.962 | $2.500 | 60% |
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| Operating Cash Flow (TTM) (Mil) | $206 | $34 | 60% |
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| Net Cash Flow (TTM) (Mil) | ($1,797) | $1 | 2% |
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| Long-Term Debt (Q1) (Mil) | $82 | $100 | 43% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | MCHB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.39 | 1.27 | 36% |
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| P/E | 17.5 | 12.9 | 44% |
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| Dividend Yield | 16.7% | 2.2% | 99% |
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| PEG (5yr hist) | 0.8 | 1.1 | 36% |
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| Ratios | MCHB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 37.9% | 28.9% | 94% |
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| ROA | 1.4% | 1.0% | 51% |
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| ROE | 10.4% | 11.1% | 59% |
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| Liabilities to Assets | 86.9% | 89.8% | 81% |
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| F-Score | 2 | 4 | na |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
