MCHB Mechanics Bancorp - Class A Common Stock

NASDAQ · Banking · View on SEC EDGAR ↗
$14.63
Price · May 20, 2026
Fundamentals as of May 8, 2026
52W Range
$12–$16
67% of range
Analyst Rating
BUY
8 analysts
Price Target
$16
+11% upside
P/E (TTM)
11.5
ROE
9.4%
Net Profit Margin
534.4%

MCHB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$14.63
Market Cap
—
P/E (TTM)
11.5
EPS (TTM)
$1.27
Revenue (TTM)
$50M
Div Yield
—
ROE
9.4%
Debt/Equity
—
52W Range
$12 – $16

MCHB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $50M
2-point trend, +3.3%
2024-12-31 → 2025-12-31
EPS $1.27
9-point trend, -50.0%
2017-12-31 → 2025-12-31
Free Cash Flow $187M
7-point trend, +58.2%
2017-12-31 → 2025-12-31
Margins 534.4%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
MCHB
Peer Median
P/E (TTM)
5-point trend, +21.0%
11.5
13.4

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
MCHB
Peer Median
Net Profit Margin
5-point trend, +2292.1%
534.4%
27.7%
ROA
5-point trend, +3.5%
1.2%
0.98%
ROE
5-point trend, -16.6%
9.4%
8.2%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
MCHB
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
MCHB
Peer Median
Revenue YoY
2-point trend, +3.3%
3.3%
—
EPS YoY
5-point trend, -76.7%
807.1%
—
Net Income YoY
5-point trend, +130.2%
816.4%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
MCHB
Peer Median
EPS (Diluted)
5-point trend, -76.7%
$1.27
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
MCHB
Peer Median
Payout Ratio
5-point trend, +5.4%
18.3%
—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
—
Payout Ratio
18.3%
5Y Div CAGR
—
Ex-dateAmount
March 9, 2026$0.4000
Dec. 8, 2025$0.2100
Nov. 7, 2023$0.1000
Aug. 8, 2023$0.1000
May 9, 2023$0.1000
Feb. 7, 2023$0.3500
Nov. 7, 2022$0.3500
Aug. 8, 2022$0.3500
May 9, 2022$0.3500
Feb. 8, 2022$0.3500
Nov. 8, 2021$0.2500
Aug. 9, 2021$0.2500
May 10, 2021$0.2500
Feb. 8, 2021$0.2500
Nov. 5, 2020$0.1500
Aug. 6, 2020$0.1500
May 1, 2020$0.1500
Feb. 4, 2020$0.1500
Jan. 30, 2014$0.1100
Oct. 31, 2013$0.1100

MCHB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 8 analysts
  • Strong Buy 2 25.0%
  • Buy 4 50.0%
  • Hold 2 25.0%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

2 analysts · 2026-05-17
Median target $16.25 +11.1%
Mean target $16.25 +11.1%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.04%
Period EPS Actual EPS Est Surprise
March 31, 2026 $0.22 $0.27 -0.05%
Dec. 31, 2025 $0.56 $0.27 0.29%
Sept. 30, 2025 $0.23 $-0.01 0.24%
June 30, 2025 $-0.16 $0.04 -0.20%
March 31, 2025 $-0.15 $-0.07 -0.08%

Peer Comparison Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
MCHB — 11.5 3.3% 534.4% 9.4% —
FIBK $3.50B 11.8 5.9% 28.5% 8.8% —
BKU $3.30B 12.6 7.4% 1234.8% 8.9% —
CBU $3.03B 14.5 9.6% 25.7% 10.8% —
FHB $3.10B 11.5 8.9% 31.4% 10.1% —
WSBC $3.19B 14.9 61.8% 22.7% 5.7% —
FFBC — 9.4 7.6% 28.4% 9.6% —
BOH $2.72B 14.8 -0.14% 168.9% 11.5% —
SFNC $2.73B -6.4 -86.7% -385.1% -11.4% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 11
Annual Income Statement data for MCHB
Metric Trend 20252024
Revenue 2-point trend, +3.3% $50M $48M
SG&A Expense · $37M
Interest Income 2-point trend, +10.3% $812M $736M
Pretax Income 2-point trend, +795.2% $320M $36M
Income Tax 2-point trend, +703.4% $54M $7M
Net Income 2-point trend, +816.4% $266M $29M
EPS (Basic) 2-point trend, +807.1% $1.27 $0.14
EPS (Diluted) 2-point trend, +807.1% $1.27 $0.14
Shares (Basic) 2-point trend, +3.3% 208,626,916 201,993,195
Shares (Diluted) 2-point trend, +3.3% 208,731,602 202,052,615
EBITDA · $7M
Balance Sheet 17
Annual Balance Sheet data for MCHB
Metric Trend 20252024
Cash & Equivalents 2-point trend, +3.0% $1.03B $1000M
PP&E (Net) 2-point trend, +22.6% $144M $117M
PP&E (Gross) 2-point trend, +69.2% $309M $183M
Accum. Depreciation 2-point trend, +152.7% $165M $65M
Goodwill Flat — no change across 2 periods $843M $843M
Intangibles 2-point trend, +448.4% $212M $39M
Total Assets 2-point trend, +35.5% $22.35B $16.49B
Short-term Debt · $1.00B
Total Liabilities 2-point trend, +37.4% $19.49B $14.19B
Long-term Debt 2-point trend, +192014000.00 $192M $0
Total Debt · $1.00B
Common Stock 2-point trend, +13.2% $2.40B $2.12B
Retained Earnings 2-point trend, +90.7% $457M $240M
AOCI 2-point trend, +105.8% $3M $-60M
Stockholders' Equity 2-point trend, +24.4% $2.86B $2.30B
Liabilities + Equity 2-point trend, +35.5% $22.35B $16.49B
Shares Outstanding · 18,857,565
Cash Flow 13
Annual Cash Flow data for MCHB
Metric Trend 20252024
D&A · $7M
Stock-based Comp 2-point trend, +21.8% $6M $5M
Deferred Tax 2-point trend, +19.3% $11M $9M
Amort. of Intangibles 2-point trend, +27.4% $17M $13M
Other Non-cash · $88M
Operating Cash Flow 2-point trend, -33.8% $194M $292M
CapEx 2-point trend, +2.2% $7M $6M
Investing Cash Flow 2-point trend, +224.6% $1.55B $476M
Dividends Paid 2-point trend, -48.9% $49M $95M
Financing Cash Flow 2-point trend, -39.4% $-1.71B $-1.23B
Net Change in Cash 2-point trend, +106.6% $30M $-458M
Taxes Paid 2-point trend, +782.8% $31M $4M
Free Cash Flow 2-point trend, +503.1% $187M $-46M
Profitability 5
Annual Profitability data for MCHB
Metric Trend 20252024
Net Margin 2-point trend, +380.3% 534.4% -190.7%
Pretax Margin 2-point trend, +503.7% 642.6% -159.2%
EBITDA Margin · 8.7%
ROA 2-point trend, +171.5% 1.2% -1.7%
ROE 2-point trend, +188.0% 9.4% -10.7%
Liquidity & Solvency 1
Annual Liquidity & Solvency data for MCHB
Metric Trend 20252024
Debt / Equity · 2.5
Efficiency 1
Annual Efficiency data for MCHB
Metric Trend 20252024
Asset Turnover 2-point trend, -74.4% 0.0 0.0
Per Share 5
Annual Per Share data for MCHB
Metric Trend 20252024
Book Value / Share · $21.05
Revenue / Share 2-point trend, -94.1% $0.24 $4.01
Cash Flow / Share 2-point trend, +138.1% $0.93 $-2.44
Cash / Share · $21.56
EPS (TTM) 2-point trend, +807.1% $1.27 $0.14
Growth Rates 8
Annual Growth Rates data for MCHB
Metric Trend 20252024
Revenue YoY 3.3% ·
EPS YoY 807.1% ·
EPS CAGR 3Y 2-point trend, +59.4% -28.6% -70.5%
EPS CAGR 5Y -18.2% ·
Net Income YoY 816.4% ·
Net Income CAGR 3Y 2-point trend, +259.0% 58.7% -36.9%
Net Income CAGR 5Y 27.1% ·
Dividend CAGR 5Y 28.5% ·
Valuation (TTM) 17
Annual Valuation (TTM) data for MCHB
Metric Trend 20252024
Revenue TTM 2-point trend, +3.3% $50M $48M
Net Income TTM 2-point trend, +816.4% $266M $29M
Market Cap · $215M
Enterprise Value · $809M
P/E 2-point trend, -85.9% 11.5 81.6
P/S · 4.5
P/B · 0.5
P / Tangible Book · 0.2
P / Cash Flow · -4.7
P / FCF · -4.6
EV / EBITDA · 122.9
EV / FCF · -17.4
EV / Revenue · 16.8
Dividend Yield · 44.1%
Earnings Yield 2-point trend, +605.7% 8.7% 1.2%
Payout Ratio 2-point trend, +0.18 18.3% 0.00%
Annual Payout 2-point trend, -48.9% $49M $95M

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312025-09-302024-12-312023-12-312022-12-31
Revenue $50M—$48M——
Net Income $266M—$29M$-28M$67M
Diluted EPS $1.27—$0.14$-1.46$3.49
Balance Sheet
2025-12-312025-09-302024-12-312023-12-312022-12-31
Debt / Equity ——2.5—1.8
Cash Flow
2025-12-312025-09-302024-12-312023-12-312022-12-31
Free Cash Flow $187M—$-46M—$212M

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