Stocktoria
Mechanics Bancorp MCHB
Mechanics Bancorp (MCHB) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 1.31% (safety: safe). FY2025 revenue was $49.7M at a 534.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-05-29 | Raymond James | Outperform (init) |
| 2026-05-04 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2026-04-10 | Cantor Fitzgerald | Overweight (init) |
| 2025-10-20 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2025-05-07 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2025-04-01 | Piper Sandler | Neutral (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| MCHB | Mechanics Bancorp | 3/9 | — | 13.9 | +3.3% |
| CPF | CENTRAL PACIFIC FINANCIAL CORP | 7/9 | — | 12.8 | +33.8% |
| TCBK | TRICO BANCSHARES / | 6/9 | — | 14.2 | +4.1% |
| CATY | CATHAY GENERAL BANCORP | 6/9 | — | 13.2 | +2.9% |
| ORRF | ORRSTOWN FINANCIAL SERVICES INC | 4/9 | — | 10 | +36% |
| IBCP | INDEPENDENT BANK CORP /MI/ | 4/9 | — | 10.9 | +0.3% |
| FBNC | FIRST BANCORP /NC/ | 5/9 | — | 23.7 | -3.6% |
All Finance, Insurance & Real Estate companies →
About Mechanics Bancorp
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.
FAQ
Is MCHB financially healthy?
Mechanics Bancorp's Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does MCHB pay a dividend, and is it safe?
Yes. Mechanics Bancorp pays a dividend yielding about 1.31% with a 18.3% payout ratio, rated “safe” for safety.
How profitable is MCHB?
In FY2025, Mechanics Bancorp had a net margin of 534.4% and a return on equity of 9.3%.
Is MCHB overvalued or undervalued?
Mechanics Bancorp trades at about 13.5× trailing earnings — above its 10-year norm (10-year range 7.9×–71.9×, median 11.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for MCHB?
The average Wall-Street price target for Mechanics Bancorp is $16.50, about 3.9% below the recent price, from 3 analysts (consensus: buy).
Is MCHB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Mechanics Bancorp: a Piotroski F-score of 3/9, a P/E of about 13.9×, a dividend yield of 1.31%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.