your badges 52W Range $13–$17 46% of range Analyst Rating BUY 9 analysts Price Target $17 +17% upside P/E 6.8 ROE 24.3% Net Profit Margin 708.8%

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

03
Price $14.90
P/E (TTM) 6.8
EPS (TTM) $2.20
Revenue (TTM) $53M
ROE (TTM) 24.3%
Debt/Equity (MRQ) 0.0
52W Range $13–$17

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

04
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Stock splits 2
Ex-date Split Type
Nov. 8, 2012 2-for-1 Forward
March 9, 2012 2-for-1 Forward

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

06
Revenue$50M
2024-12-31 → 2025-12-31
EPS$1.27
2017-12-31 → 2025-12-31
Free Cash Flow$187M
2017-12-31 → 2025-12-31
Net margin708.8%
2017-12-31 → 2025-12-31
Valuation & Ratios 07–12

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

Metric 5Y trend MCHB 5Y avg Peer Median Verdict
P/E (TTM) 6.85Y avg ≈23.5 ≈23.5 12.9 Undervalued
Price / Tangible Book 0.25Y avg ≈0.4 ≈0.4 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

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

13
Payout Ratio18.3%
Annualized Payout≈$1.00Paid quarterly
Ex-dateAmountCurrencyYield
Aug 28, 2026$0.25USD≈9.8%
May 22, 2026$0.70USD≈9.3%
Mar 9, 2026$0.40USD≈4.3%
Dec 8, 2025$0.21USD≈1.4%
Nov 7, 2023$0.10USD≈11.3%
Aug 8, 2023$0.10USD≈8.2%
May 9, 2023$0.10USD≈18.6%
Feb 7, 2023$0.35USD≈4.9%
Nov 7, 2022$0.35USD≈5.4%
Aug 8, 2022$0.35USD≈3.6%
May 9, 2022$0.35USD≈3.0%
Feb 8, 2022$0.35USD≈2.1%
Nov 8, 2021$0.25USD≈2.0%
Aug 9, 2021$0.25USD≈2.3%
May 10, 2021$0.25USD≈1.8%
Feb 8, 2021$0.25USD≈1.7%
Nov 5, 2020$0.15USD≈1.9%
Aug 6, 2020$0.15USD≈1.6%
May 1, 2020$0.15USD≈1.2%
Feb 4, 2020$0.15USD≈0.48%

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

14
Avg Surprise 307.6%
Next Report Oct 28, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Jul 27, 2026 $0.28 $0.27 5.6%
March 31, 2026 $0.22 $0.27 -17.0%
Dec. 31, 2025 $0.56 $0.27 111.2%
Sept. 30, 2025 $0.23 $-0.01 2394.1%
June 30, 2025 $-0.16 $0.04 -527.8%
March 31, 2025 $-0.15 $-0.07 -120.6%

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

15
Income Statement 11
Metric Trend 20252024
Revenue $50M$48M
SG&A Expense ·$37M
Interest Income $812M$736M
Pretax Income $320M$36M
Income Tax $54M$7M
Net Income $266M$29M
EPS (Basic) $1.27$0.14
EPS (Diluted) $1.27$0.14
Shares (Basic) 208,626,916201,993,195
Shares (Diluted) 208,731,602202,052,615
EBITDA ·$7M
Balance Sheet 17
Metric Trend 20252024
Cash & Equivalents $1.03B$1000M
PP&E (Net) $144M$117M
PP&E (Gross) $309M$183M
Accum. Depreciation $165M$65M
Goodwill $843M$843M
Intangibles $212M$39M
Total Assets $22.35B$16.49B
Short-term Debt $0$1.00B
Total Liabilities $19.49B$14.19B
Long-term Debt $192M$0
Total Debt ·$1.00B
Common Stock $2.40B$2.12B
Retained Earnings $457M$240M
AOCI $3M$-60M
Stockholders' Equity $2.86B$2.30B
Liabilities + Equity $22.35B$16.49B
Shares Outstanding ·18,857,565
Cash Flow 13
Metric Trend 20252024
D&A ·$7M
Stock-based Comp $6M$5M
Deferred Tax $11M$9M
Amort. of Intangibles $17M$13M
Other Non-cash ·$88M
Operating Cash Flow $194M$292M
CapEx $7M$6M
Investing Cash Flow $1.55B$476M
Dividends Paid $49M$95M
Financing Cash Flow $-1.71B$-1.23B
Net Change in Cash $30M$-458M
Taxes Paid $31M$4M
Free Cash Flow $187M$-46M
Profitability 5
Metric Trend 20252024
Net Margin 534.4%-190.7%
Pretax Margin 642.6%-159.2%
EBITDA Margin ·8.7%
ROA 1.2%-1.7%
ROE 9.4%-10.7%
Liquidity & Solvency 1
Metric Trend 20252024
Debt / Equity ·2.5
Efficiency 1
Metric Trend 20252024
Asset Turnover 0.00.0
Per Share 5
Metric Trend 20252024
Book Value / Share ·$21.05
Revenue / Share $0.24$4.01
Cash Flow / Share $0.93$-2.44
Cash / Share ·$21.56
EPS (TTM) $1.27$0.14
Growth Rates 8
Metric Trend 20252024
Revenue YoY 3.3%·
EPS YoY 807.1%·
EPS CAGR 3Y -28.6%-70.5%
EPS CAGR 5Y -18.2%·
Net Income YoY 816.4%·
Net Income CAGR 3Y 58.7%-36.9%
Net Income CAGR 5Y 27.1%·
Dividends Paid CAGR 5Y 28.5%·
Valuation (TTM) 17
Metric Trend 20252024
Revenue TTM $50M$48M
Net Income TTM $266M$29M
Market Cap ·$215M
Enterprise Value ·$809M
P/E 11.581.6
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 8.7%1.2%
Payout Ratio 18.3%0.00%
Annual Payout $49M$95M

Most recent period on the left · null values shown as ·

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

16
Metric 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

Institutional owners (13F) 149 filers · $405.1M total · As of Sept. 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 149
Value held $405.1M
New positions 32
Exited positions 18
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
32 (+7 vs prior Q) 18 (-1 vs prior Q) 42 (-11 vs prior Q) 44 (+10 vs prior Q) -3.0M

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $49,004,518 3,082,045 12.10% Shares
VANGUARD GROUP INC $39,032,986 2,668,010 9.64% Shares
Mechanics Bank Trust Department $35,656,386 2,242,540 8.80% Shares
STATE STREET CORP $27,386,891 1,722,446 6.76% Shares
VANGUARD CAPITAL MANAGEMENT LLC $26,229,817 1,649,674 6.48% Shares
GEODE CAPITAL MANAGEMENT, LLC $21,910,378 1,377,662 5.41% Shares
Composition Wealth, LLC $17,740,918 1,115,781 4.38% Shares
Bank of New York Mellon Corp $17,300,166 1,088,061 4.27% Shares
DIMENSIONAL FUND ADVISORS LP $12,107,135 761,455 2.99% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $8,463,363 532,287 2.09% Shares
Sculptor Capital LP $8,152,359 512,727 2.01% Shares
Simcoe Capital LLC $8,067,406 507,384 1.99% Shares
TWO SIGMA INVESTMENTS, LP $8,061,602 507,019 1.99% Shares
GOLDMAN SACHS GROUP INC $7,192,336 452,348 1.78% Shares
J. Goldman & Co LP $7,154,348 449,959 1.77% Shares
RENAISSANCE TECHNOLOGIES LLC $6,660,383 418,892 1.64% Shares
CITADEL ADVISORS LLC $6,241,815 392,567 1.54% Shares
ALLIANCEBERNSTEIN L.P. $5,789,272 392,493 1.43% Shares
NORTHERN TRUST CORP $5,629,173 354,036 1.39% Shares
Siena Capital Partners GP, LLC $5,616,134 353,216 1.39% Shares
Capital Planning Advisors, LLC $5,063,867 343,313 1.25% Shares
MORGAN STANLEY $5,060,807 318,288 1.25% Shares
FIRST TRUST ADVISORS LP $5,058,028 318,115 1.25% Shares
VANGUARD FIDUCIARY TRUST CO $4,833,218 303,976 1.19% Shares
Nuveen, LLC $4,784,120 300,888 1.18% Shares
CenterBook Partners LP $4,470,571 281,168 1.10% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $4,286,449 269,588 1.06% Shares
Squarepoint Ops LLC $4,090,005 257,233 1.01% Shares
MALTESE CAPITAL MANAGEMENT LLC $2,782,501 175,000 0.69% Shares
CCG WEALTH MANAGEMENT, LLC $2,719,552 171,041 0.67% Shares
UBS Group AG $1,851,666 116,457 0.46% Shares
CALDWELL SUTTER CAPITAL, INC. $1,642,232 103,285 0.41% Shares
Numerai GP LLC $1,572,224 98,882 0.39% Shares
Jump Financial, LLC $1,558,152 97,997 0.38% Shares
Waverly Advisors, LLC $1,506,254 94,733 0.37% Shares
VOYA INVESTMENT MANAGEMENT LLC $1,447,170 91,017 0.36% Shares
BANK OF AMERICA CORP /DE/ $1,335,870 84,017 0.33% Shares
BOOTHBAY FUND MANAGEMENT, LLC $1,197,238 75,298 0.30% Shares
KENNEDY CAPITAL MANAGEMENT LLC $1,175,026 73,901 0.29% Shares
Quantinno Capital Management LP $1,032,069 64,910 0.25% Shares
SIERRA SUMMIT ADVISORS LLC $1,004,928 63,203 0.25% Shares
EMERALD MUTUAL FUND ADVISERS TRUST $961,346 60,462 0.24% Shares
PDT Partners, LLC $911,309 57,315 0.22% Shares
Atom Investors LP $815,400 51,283 0.20% Shares
RHUMBLINE ADVISERS $795,961 50,061 0.20% Shares
BARCLAYS PLC $794,444 49,965 0.20% Shares
CITIGROUP INC $790,548 49,720 0.20% Shares
Invesco Ltd. $763,153 47,997 0.19% Shares
Weiss Asset Management LP $741,385 46,628 0.18% Shares
BNP PARIBAS FINANCIAL MARKETS $730,700 45,956 0.18% Shares

Show all 149 institutional owners →

Activists & 5%+ owners 2 positions

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
EB Acquisition Company LLC, Ford Financial Fund II, L.P., Ford Management II, L.P., EB Acquisition Company II LLC, Ford Financial Fund III, L.P., Ford Management III, L.P., Ford Ultimate Management II, LLC, WEBB CARL B Sept. 9, 2025 78.10% Initial filing Passive investment SEC
Roaring Blue Lion Capital Management, L.P., Charles W. Griege, Jr., Ronald K. Tanemura ×17 filings July 11, 2019 · Initial filing · SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 68 insiders · 38 officers · 29 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Nathan Duda EVP & CFO March 1, 2026 A 39,993 0 0 $0
John Michel EVP, Chief Financial Officer Sept. 2, 2025 A 71,150 0 0 $0
Melba Bartels Senior EVP & CFO Jan. 28, 2017 M 13,951 0 0 $0
David E Hooston Executive VP, CFO Feb. 10, 2012 P 2,273 0 0 $0
Christopher D Pierce EVP & Chief Operating Officer March 1, 2026 A 38,496 0 0 $0
Kristie S Shields EVP & Chief Compliance Counsel March 1, 2026 A 22,316 0 0 $0
Glenn C Shrader EVP & General Counsel March 1, 2026 A 18,193 0 0 $0
Tony P Kallingal EVP & Chief Banking Officer March 1, 2026 A 34,590 0 0 $0
Fernando Pelayo EVP & Chief Accounting Officer March 1, 2026 A 17,532 0 0 $0
Scott A. Givans EVP & Chief Credit Officer March 1, 2026 A 38,137 0 0 $0
Diane P Novak EVP, CHIEF RISK OFFICER Sept. 2, 2025 F 12,506 0 0 $0
David L Parr EVP, DIR. OF COMM'L BANKING Sept. 2, 2025 F 8,773 0 0 $0
Erik D Hand EVP, Mortgage Lending Director Sept. 2, 2025 A 10,236 0 0 $0
William Endresen EVP, Comm'l RE & Capital Pres. Sept. 2, 2025 A 39,299 0 0 $0
Darrell Van Amen EVP, Chief Investment Officer Sept. 2, 2025 A 92,870 0 0 $0
Jay C Iseman EVP - Chief Credit Officer Sept. 2, 2025 F 93,329 0 0 $0
Paulette Lemon EVP - Retail Banking Director Sept. 2, 2025 F 25,160 0 0 $0
Godfrey B Evans EVP - General Counsel Sept. 2, 2025 A 81,390 0 0 $0
Marlene L Price EVP, Chief Operations Officer Sept. 2, 2025 F 9,208 0 0 $0
Troy Harper EVP & CIO Jan. 1, 2024 M 16,272 0 0 $0
Mary L Vincent EVP - Chief Risk Officer March 28, 2022 M 24,588 0 0 $0
Edward Schultz EVP, Dir. of Comm'l Banking Nov. 1, 2020 M 9,798 0 0 $0
Mark R Ruh EVP June 5, 2020 M 10,301 0 0 $0
Pamela J Taylor EVP - Human Resources Dir May 20, 2019 M 30,915 0 0 $0
Rose Marie David Sr. EVP-SF Lending Dir. Jan. 29, 2019 M 23,746 0 0 $0
Richard W H Bennion EVP - Res. Lending Director Jan. 29, 2019 M 23,161 0 0 $0
David H Straus Sr EVP, Comm'l Banking Dir. Nov. 1, 2018 M 16,856 0 0 $0
Susan C Greenwald SVP - Single Fam Op Director March 8, 2017 A 7,626 0 0 $0
Randolph S Daniels EVP - Comm'l RE Lending Dir Jan. 29, 2016 A 2,772 0 0 $0
Cory D Stewart EVP - Chief Accounting Officer May 29, 2015 M 14,408 0 0 $0
Jeffrey K Newgard EVP, Regional President Jan. 29, 2015 A 14,859 0 0 $0
Patricia A Leach EVP Sept. 12, 2012 M 9,411 0 0 $0
Mary E Francis SVP - Cash Management Director Feb. 10, 2012 A 784 0 0 $0
Kathryn Anne Williams SVP - Comm Relations Dir Feb. 10, 2012 A 61,781 0 0 $0
Jeffrey L Todhunter SVP - Construction Lending Dir Feb. 10, 2012 A 1,959 0 0 $0
Kathleen A Kanealii SVP - Bus Banking Director Feb. 10, 2012 A 1,090 0 0 $0
Mark C Gregory SVP - Chief Info Officer Feb. 10, 2012 A 1,130 0 0 $0
Paul Jerome Battaglia SVP - Credit Counsel Feb. 10, 2012 A 807 0 0 $0
Edward Michael Downer Director June 15, 2026 S 1,121,268 0 1 $-30
Jon R Wilcox Director May 28, 2026 A 13,204 0 0 $0
Douglas E Downer Director May 28, 2026 A 2,317,764 0 0 $0
Patricia Cochran Director May 28, 2026 A 13,204 0 0 $0
Adrienne Y Crowe Director May 28, 2026 A 13,204 0 0 $0
Nancy D Pellegrino Director May 28, 2026 A 15,223 0 0 $0
Kenneth D Russell Director May 28, 2026 A · 0 0 $0
WEBB CARL B Director Sept. 2, 2025 A 90,631,480 0 0 $0
Sidney Craig Tompkins Director Dec. 17, 2024 P 5,000 0 0 $0
Joanne R Harrell Director Nov. 27, 2024 P 18,871 0 0 $0
James R Mitchell Director Jan. 5, 2024 A 17,161 0 0 $0
Sandra A Cavanaugh Director Jan. 5, 2024 A 20,593 0 0 $0
Scott M Boggs Director Jan. 5, 2024 A 37,376 0 0 $0
Jeffrey D Green Director Nov. 24, 2023 L 785 0 0 $0
Mark Robert Patterson Director July 7, 2023 A 20,006 0 0 $0
Douglas Irvine Smith Director April 6, 2023 A 127,209 0 0 $0
Don Voss Director May 26, 2022 M 13,636 0 0 $0
David A Ederer Director May 21, 2020 M 43,008 0 0 $0
George Kirk Director April 7, 2020 A 25,283 0 0 $0
Thomas E King Director April 7, 2020 A 358 0 0 $0
Victor H Indiek Director June 20, 2019 M 2,672 0 0 $0
Timothy Chrisman Director Jan. 4, 2018 A 53,550 0 0 $0
Bruce W Williams Director April 7, 2016 A 190,402 0 0 $0
Michael J Malone Director April 8, 2015 A 20,141 0 0 $0
Gerhardt Morrison Director April 11, 2013 A 9,264 0 0 $0
Brian P Dempsey Director April 11, 2013 A 24,902 0 0 $0
Karen M Zimmerman Director Feb. 10, 2012 P 10,534 0 0 $0
Janet L Westling Director Feb. 10, 2012 P 100 0 0 $0
Jeffery D Schlenker Director Feb. 10, 2012 A 1,296 0 0 $0
Mark K Mason · Sept. 2, 2025 F 227,569 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 26 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
DPST · Direxion Shares ETF Trust 0.16% 41,485 NS July 31, 2026 N-PORT
FYC · First Trust Exchange-Traded AlphaDE… 0.14% 108,306 NS July 31, 2026 N-PORT
VTWV · VANGUARD SCOTTSDALE FUNDS 0.04% 35,008 SH Aug. 19, 2026 Daily
BKSE · BNY Mellon ETF Trust 0.03% 1,773 NS July 31, 2026 N-PORT
FAD · First Trust Exchange-Traded AlphaDE… 0.03% 9,812 NS July 31, 2026 N-PORT
OMFS · Invesco Exchange-Traded Self-Indexe… 0.02% 4,249 SH Oct. 1, 2026 Daily
RSSL · Global X Funds 0.02% 19,207 NS July 31, 2026 N-PORT
IWM · iShares Trust 0.02% 1,028,957 SH Sept. 11, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.02% 231,455 SH Aug. 19, 2026 Daily
PRFZ · Invesco Exchange-Traded Fund Trust 0.01% 25,398 SH Oct. 2, 2026 Daily
DFSV · Dimensional ETF Trust 0.01% 57,808 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.01% 553,747 SH Aug. 19, 2026 Daily
DFAS · Dimensional ETF Trust 0.01% 63,163 NS July 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.01% 50,803 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 826 NS July 31, 2026 N-PORT
ITOT · iShares Trust 0.00% 78,897 SH Sept. 11, 2026 Daily
IWV · iShares Trust 0.00% 17,470 SH Sept. 9, 2026 Daily
DCOR · Dimensional ETF Trust 0.00% 2,595 NS July 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 1,659 NS July 31, 2026 N-PORT
DFAU · Dimensional ETF Trust 0.00% 5,639 NS July 31, 2026 N-PORT
DFUS · Dimensional ETF Trust 0.00% 8,481 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 6,244 NS July 31, 2026 N-PORT
VTI · VANGUARD INDEX FUNDS 0.00% 1,057,674 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 3,125 SH Aug. 19, 2026 Daily
IWN · iShares Trust · 390,983 SH Sept. 11, 2026 Daily
ISCB · iShares Trust · 2,122 SH Sept. 11, 2026 Daily

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

21
rating · 9 analysts BUY
Median target $17.25 +15.8%
2 22.2% Strong Buy
5 55.6% Buy
2 22.2% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

4 analysts · 2026-10-04

Mean target $17.38 +16.6%

← Below all targets Current price $14.90
Low$17.00 Mean$17.38 High$18.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
MCHB · 11.5 3.3% 534.4% 9.4% ·
INDB $3.60B 16.5 24.3% 23.9% 6.2% ·
RNST · 17.0 37.7% · · ·
BANF · · · · · ·
NIC $1.80B 12.4 11.9% 38.4% 12.3% ·
FIBK $3.50B 11.8 5.9% 28.5% 8.8% ·
FFBC · 9.4 7.6% 28.4% 9.6% ·
TOWN · · · · · ·
SFNC $2.73B -6.4 -86.7% -385.1% -11.4% ·
CBU $3.03B 14.5 9.6% 25.7% 10.8% ·

Latest News Recent headlines mentioning this company

23
Is Mechanics Bancorp (MCHB) One of the Ultra-High Dividend Stocks to Buy for Income Investors? Yahoo Finance · 3 months, 1 week ago

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Aug 7, 2026