Stocktoria

Mechanics Bancorp MCHB

Nasdaq · stock · State Commercial Banks · website · IPO 2004-04-08

Mechanics Bancorp statistics & valuation

Market cap$3.7B
P / E13.9×
P / S74.4×
P / B1.3×
P / FCF19.8×
Dividend yield1.31%
Net margin534.4%
Return on equity9.3%
FCF margin376.2%
Net cash$838.0M
Enterprise value USD$2.9B
Graham number +15.3%$19.80

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($19.80); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
60.30% 534.40% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.20% 9.80% 5.40% 2.60% 11.10% 16.10% 11.80% -1.20% 1.30% 9.30% 2016201720182019202020212022202320242025
Shares outstanding
26.8M 27.1M 27.2M 25.8M 23.1M 21.1M 19.0M 18.8M 202.1M 208.7M 2016201720182019202020212022202320242025
Net debt ($)
$71.2M $52.6M $67.5M $67.8M $67.8M $60.8M $151.6M $9.1M -$999.7M -$838.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 1.00% 0.60% 0.30% 1.10% 1.60% 0.70% -0.30% 0.20% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
594.00% 376.20% 2016201720182019202020212022202320242025
Debt / equity (×)
0.20× 0.18× 0.17× 0.18× 0.18× 0.18× 0.40× 0.10× 0.00× 0.07× 2016201720182019202020212022202320242025
EPS ($)
$2.34 $2.54 $1.47 $0.65 $3.47 $5.46 $3.49 -$1.46 $0.14 $1.27 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Mechanics Bancorp trades at about 13.5× earnings — above its 10-year norm (10-year range 7.9×–71.9×, median 11.6×).

7.9× 71.9×

Shaded band = 10-year range (7.9×–71.9×); dot = today's 13.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin534.4%60.3%————————
FCF margin376.2%594.0%————————
Return on assets1.2%0.2%-0.3%0.7%1.6%1.1%0.3%0.6%1.0%0.9%
Return on equity9.3%1.3%-1.2%11.8%16.1%11.1%2.6%5.4%9.8%9.2%
Debt / equity0.07×0.00×0.10×0.40×0.18×0.18×0.18×0.17×0.18×0.20×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.