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MCHB · Mechanics Bancorp

Track MCHB — free
$14.61 -0.28 (-1.88%) At close · Oct 7
Market Cap
$3.24B
Shares
221.43M
Volume · Oct 7 544.95K Avg daily vol (3M) 576.1K

Price & Indicators

Drag to pan · scroll to zoom
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$14.61 Open$14.76 Day$14.57–14.88 52W close$13.07–17.17 Avg vol 30d508K Short int3.9M · 1.8% float · 9.2d Short vol68% Last earningsJul 29, 2026 DataJan 2020–Oct 2026 Filing10-Q · Aug 7

Up next

Next earnings call
Oct 28, 2026 Est · unconfirmed · in 3 wks
filed Aug 7, 2026
call held Jul 29, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$53.11M
Trailing 12 months
Net income (TTM)
$281.25M
Trailing 12 months
Revenue growth YoY
+15.9%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
11.5
Trailing earnings · reciprocal yield 8.7%
FCF yield
5.5%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$343.50M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+10.1%
Year over year · more shares
Price change (1Y)
+14.4%
Trailing year
Short interest
1.8%
Latest settlement · 9.2 days to cover
View all 115 metrics

Equibles Rating

blended score · not investment advice
Overall
Neutral
SellHoldBuy
Technical Sell Momentum Very Weak Sentiment Neutral Fundamentals Excellent Quant / Vol Low
Market backdrop VIX 15.1 · calm Equity put/call 0.63
Technical
price trend
Sell
50 / 200-day cross No cross
Price vs 200-day avg −4%
below
Price vs 50-day avg −8%
below
RSI (14) 28
oversold
MACD trend Negative
52-week position 38%
mid-range
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Very Weak
1-month return −5%
trailing
6-month return −2%
trailing
YTD return 0%
this year
Relative strength −13%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $16 › 200d $15 — 50d above 200d
Institutional flow Accumulating
2 of 142 funds reported for Sep 30 · net +54 sh shares
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
1.77% of float · ▲ +1.9% MoM · 9.2 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
142 holders — near 3-yr high, broad support
Squeeze score 53
elevated · 0–100
Fundamentals
Excellent
Revenue growth +3%
Y/Y
EPS growth +807%
Y/Y
Free cash flow $187.1M
Valuation P/E 11.2
below peers
Buyback $25.0M
authorized
Balance sheet $838.0M
net cash
Quant / Vol
risk profile
Low
Volatility 29%
annualized · 1-yr
Max drawdown −15%
past year
ATR 2.1%
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
2027 and beyond
ROATCE Non-GAAP 17% – 18%
ROAA 1.3% – 1.4%
Q4
Run-rate non-interest expense (ex. CDI amort.) $430M
Q3
Dividend $56M

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Sell
2 · 5 · 0
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
−4% Neutral
Price vs 50-day avg
−8% Bearish
RSI (14)
28 Neutral
MACD trend
Negative Bearish
52-week position
38% Neutral
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross) No cross
50d $16 › 200d $15 — 50d above 200d
Institutional flow Accumulating
2 of 142 funds reported for Sep 30 · net +54 sh shares
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
1.77% of float · ▲ +1.9% MoM · 9.2 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
142 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $13 Now $15 · 38% Range high $17
vs 200-day avg -4% vs 50-day avg -8%

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
Constant prepayment rate (CPR) 12.3% Quarter Ended June 30, 2026 filing —
Discount rate 8.9% Quarter Ended June 30, 2026 filing —
Return on average tangible equity non-GAAP 14.42% the three months ended June 30, 2026 filing —

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
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
MCHB
Mechanics Bancorp
this stock
$3.24B -0.1% +3.3% 11.2 1.8%
MFG
Mizuho Financial Group Inc
$130.35B +47.1% — — 0.1%
HDB
Hdfc Bank Ltd
$113.79B -39.4% -3.2% — 0.7%
ITUB
Itau Unibanco Holding S.A.
$107.35B +36.0% — — 0.2%
CIXPF
CaixaBank/ADR
$103.83B +13.8% — — 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 section
Ownership
Institutional Holders Accumulating
Holders
141
% held
11.1%
Reported
2 of 142
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
156
View
Short & Settlement
Short Interest Rising
Shares short
3.9M
Days to cover
9.2d
Change
+72.8K sh
View
Short Volume
Short vol %
68%
As of
Oct 7, 2026
Short Total
View
Fails to Deliver
FTD shares
300
Value
$4.6K
As of
Sep 11, 2026
View
Off-Exchange
Off-exchange %
31.3%
Week of
Aug 31, 2026
Off-exch Lit
View
Financials
Financials
Revenue (FY)
$49.7M
Net income (FY)
$265.7M
EPS diluted
$1.27
View
Buybacks
Authorized
$25.0M
View
Filings
SEC Filings
Latest
8-K
Filed
Sep 17, 2026
This year
13
View
Proposed Sales
Value
$55.8K
Shares
5.0K
Filed
Dec 20, 2024
View
Earnings & Events
Webcasts
Last webcast
Jul 29, 2026
View
Investor Relations
Latest news
Mechanics Bank Completes Sale of…
Published
Sep 16, 2026
View

Performance

5D 20D 120D MTD YTD
MCHB -1.2% -5.3% -2.1% -1.2% -0.1%
SPY +1.9% +1.9% +10.8% +1.9% +14.0%
vs SPY -3.1% -7.3% -12.9% -3.1% -14.1%

Capital returns

Latest dividend
$0.25 / share · ex Aug 28, 2026
Cut 64.3%
Paid (TTM)
$1.56 / share · 4 payouts
Dividend yield (TTM, derived)
10.68%
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) 3 filings 3 filers Visit website Investor relations