MCHB · Mechanics Bancorp
$16.37
-0.33 (-1.98%)
At close · Aug 20
Market Cap
$3.70B
Shares
221.43M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$16.37
Open$16.29
Day$16.22–16.47
52W close$12.79–17.17
Avg vol 30d659K
Short int3.5M · 1.6% float · 3.7d
Short vol50%
Last earningsJul 29, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 28, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+9%
above
Price vs 50-day avg
+2%
above
RSI (14)
47
neutral
MACD trend
Negative
52-week position
82%
mid-range
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+15%
trailing
YTD return
+12%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $16 › 200d $15 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +33 funds added
Insider flow
Distributing
Net -$30 over 90 days · 100% sells
Short interest
Rising
1.57% of float · ▲ +2.0% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
141 holders — near 3-yr high, broad support
Squeeze score
54
elevated · 0–100
Fundamentals
Revenue growth
+3%
Y/Y
EPS growth
+807%
Y/Y
Free cash flow
$187.1M
Valuation
P/E 12.9
in line
Buyback
$25.0M
authorized
Balance sheet
$838.0M
net cash
Quant / Vol
risk profile
Volatility
32%
annualized · 1-yr
Max drawdown
−11%
past year
ATR
2.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 29, 2026
by Q4
Non-interest expense run-rate
$430M
Q3
Q3 dividend
$56M
AFS securities sale
$310M
2027 and beyond
ROAA
1.3% – 1.4%
ROATCE
17% – 18%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+9%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
47
Neutral
MACD trend
Negative
Bearish
52-week position
82%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $16 › 200d $15 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +33 funds added
Insider flow
Distributing
Net -$30 over 90 days · 100% sells
Short interest
Rising
1.57% of float · ▲ +2.0% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
141 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $13
Now $16 · 82%
Range high $17
vs 200-day avg +9%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| 30-89 days past due | $54.53M | June 30, 2026 | — |
| 90+ days past due | $40.89M | June 30, 2026 | — |
| 90+ days past due and accruing | $6.54M | June 30, 2026 | — |
| ACL / Total Loans | 1.12% | Q2'26 | — |
| Acquisition and integration costs | $5.9M | second quarter of 2026 | — |
|
|
|||
| Allowance for credit losses on loans to nonaccrual loans | 314.27% | June 30, 2026 | — |
| Available liquidity | $15.9B | 6/30/2026 | — |
| Average Account Size | $43,525 | 6/30/2026 | — |
| Book Value Per Share | $12.15 | second quarter of 2026 | — |
| CET1 capital ratio | 14.39% | second quarter of 2026 | — |
| Common equity ratio | 12.67% | June 30, 2026 | — |
| Core Net Income non-GAAP | $58.97M | June 30, 2026 | — |
| Core ROAA non-GAAP | 1.11% | Q2'26 | — |
| Cost | 1.28% | 6/30/2026 | — |
| Cost of deposits | 1.25% | Q2'26 | — |
| CRE concentration ratio | 342% | as of 6/30/2026 | — |
| Deposit Balance | $18.09B | 6/30/2026 | — |
| Effective tax rate | 27.2% | second quarter of 2026 | — |
| Efficiency Ratio non-GAAP | 58.4% | Q2'26 | — |
| Efficiency ratio (non-GAAP) non-GAAP | 58.4% | June 30, 2026 | — |
| Efficiency ratio (unadjusted) | 61.9% | June 30, 2026 | — |
| Ending FTE | 1,756 | Q2'26 | — |
| Foreclosed assets | $4.26M | June 30, 2026 | — |
| Loans-to-deposits ratio | 75% | second quarter of 2026 | — |
|
|
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| Net charge-offs to average loans | 0.1% | June 30, 2026 | — |
| Net interest margin | 3.62% | second quarter of 2026 | — |
|
|
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| Nonaccrual loans | $48.56M | June 30, 2026 | — |
| Nonaccrual loans to total loans held for investment | 0.36% | June 30, 2026 | — |
| Nonperforming assets to total assets | 0.28% | June 30, 2026 | — |
| Number of Accounts | 415,607 | 6/30/2026 | — |
| Return on average equity | 8.5% | June 30, 2026 | — |
| ROAA | 1.09% | Q2'26 | — |
| ROATCE non-GAAP | 14.4% | Q2'26 | — |
| Spot cost of deposits | 1.28% | as of 6/30/26 | — |
| Tangible Book Value Per Share non-GAAP | $7.56 | second quarter of 2026 | — |
| Tangible common equity non-GAAP | $1.75B | second quarter of 2026 | — |
| Tangible common equity ratio (non-GAAP) non-GAAP | 8.62% | June 30, 2026 | — |
| Tier 1 capital ratio | 14.39% | second quarter of 2026 | — |
| Tier 1 leverage capital (to average assets) | 8.71% | June 30, 2026 | — |
| Tier 1 leverage ratio | 8.71% | second quarter of 2026 | — |
| Total cost of deposits | 1.25% | second quarter of 2026 | — |
|
|
|||
| Total delinquent loans | $95.42M | June 30, 2026 | — |
| Total delinquent loans to loans held for investment | 0.7% | June 30, 2026 | — |
| Total nonperforming assets | $59.36M | June 30, 2026 | — |
| Total nonperforming loans | $55.1M | June 30, 2026 | — |
| Total risk-based capital ratio | 16.7% | second quarter of 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
MCHB
this stock
Mechanics Bancorp
|
$3.70B | +11.9% | +3.3% | 12.9 | 1.6% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MCHB | -4.4% | +2.7% | +14.8% | -2.5% | +11.9% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -2.4% | -0.6% | +3.6% | -4.6% | +0.1% |
Capital returns
Latest dividend
$0.70
/ share · ex May 22, 2026
Declared · upcoming
$0.25
/ share · ex Aug 28, 2026
Paid (TTM)
$1.31
/ share · 3 payouts
Dividend yield (TTM, derived)
8.00%
Buyback program
· as of Apr 29, 2021
Authorized
$25.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1518715
CUSIP
43785V102
13F (30d)
129 filings
129 filers
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