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Mechanics Bancorp (MCHB)

Financial Services | Banks - Regional | Walnut Creek, United States | NasdaqGS
16.22 USD +0.07 (0.433%) ⇧ (July 13, 2026, 4 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★☆☆☆
Hot Take | July 11, 2026, 4:32 a.m. EDT

Mechanics Bancorp presents a classic case of a stock caught between a broken earnings engine and a desperate income play. The fundamental reality is stark: despite a massive 30% jump in revenue, the company posted a trailing EPS of -$686, driven by a -90% earnings collapse. This suggests the recent top-line growth is not translating into bottom-line profitability, likely due to the heavy merger costs and geopolitical provisions mentioned in recent headlines. While the forward P/E looks attractive at 13x, it is pricing in a turnaround that hasn't happened yet. The 8.2% dividend yield is the primary attraction, but it is dangerously fragile. The payout ratio of 327% confirms that the dividend is being funded entirely by burning through cash reserves rather than earnings. With the company recently missing estimates and facing significant provisions, there is a high risk that this yield will be cut soon to preserve capital. The recent price action shows a modest recovery from lows, trading near its 200-day average, which offers some technical support, but the lack of momentum prevents a bullish upgrade. For investors, this is a binary decision: either you believe the merger integration will quickly restore profitability and can stomach the risk of a dividend cut, or you should stay away. The data does not support a confident 'buy' for either growth or stable income at these levels.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.050988
AutoETS0.050988
AutoTheta0.052197
MSTL0.054517

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 43%
H-stat 0.32
Ljung-Box p 0.000
Jarque-Bera p 0.044
Excess Kurtosis 0.17
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-21
Last Dividend Date 2026-05-21
Revenue per Share 2.488
Market Cap 3,591,125,504
Forward P/E 13.44
Beta 0.15
Profit Margins 38.68%
Previous Name Mechanics Bank
Website https://www.mechanicsbank.com

As of July 11, 2026, 4:32 a.m. EDT: Options activity shows a distinct lack of speculative positioning. Call volume and open interest are negligible across all expirations, while put activity is similarly sparse. The implied volatility surface is flat and low, indicating that market makers see no significant risk premium or directional bias. Speculators are effectively neutral, offering no clear signal regarding near-term price direction.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
4.95% 9.21% 3.96% 3.95%
Dividend History
Date Dividend Yield %
2026-05-22 0.70 4.946997
2026-03-09 0.40 2.816901
2025-12-08 0.21 1.447278
2023-11-07 0.10 1.742160
2023-08-08 0.10 0.914077
2023-05-09 0.10 1.620746
2023-02-07 0.35 1.236312
2022-11-07 0.35 1.355538
2022-08-08 0.35 0.977654
2022-05-09 0.35 0.883169
2022-02-08 0.35 0.681862
2021-11-08 0.25 0.504337
2021-08-09 0.25 0.639386
2021-05-10 0.25 0.575639
2021-02-08 0.25 0.610352
2020-11-05 0.15 0.472888
2020-08-06 0.15 0.538600
2020-05-01 0.15 0.613748
2020-02-04 0.15 0.476796
2014-01-30 0.11 0.615557
2013-10-31 0.11 0.578339
2013-08-01 0.11 0.501825
2013-04-09 0.11 0.504819
Additional Data
dividendRate 1.31
dividendYield 8.11
exDividendDate 2026-05-22
trailingAnnualDividendRate 0.61
trailingAnnualDividendYield 0.0377709
lastDividendValue 0.7
lastDividendDate 2026-05-22
dividendDate 2026-05-28

Info Dump

Attribute Value
52 Week Change 0.2025317
Address1 1,111 Civic Drive
Address2 Suite 390
All Time High 57.4
All Time Low 4.2
Ask 20.4
Ask Size 2
Audit Risk 7
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 499,430
Average Daily Volume3 Month 484,254
Average Volume 484,254
Average Volume10Days 499,430
Beta 0.15
Bid 11.64
Bid Size 2
Board Risk 9
Book Value 12.608
City Walnut Creek
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 7
Country United States
Crypto Tradeable 0
Currency USD
Current Price 16.22
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 16.25
Day Low 15.915
Dividend Date 1,779,926,400
Dividend Rate 1.31
Dividend Yield 8.11
Earnings Call Timestamp End 1,777,579,200
Earnings Call Timestamp Start 1,777,579,200
Earnings Growth -0.908
Earnings Quarterly Growth 0.007
Earnings Timestamp 1,777,552,200
Earnings Timestamp End 1,785,155,400
Earnings Timestamp Start 1,785,155,400
Ebitda Margins 0.0
Enterprise To Revenue 4.996
Enterprise Value 3,436,590,592
Eps Current Year 1.01667
Eps Forward 1.20667
Eps Trailing Twelve Months -683.68
Esg Populated 0
Ex Dividend Date 1,779,408,000
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 15.046
Fifty Day Average Change 1.1739998
Fifty Day Average Change Percent 0.07802737
Fifty Two Week Change Percent 20.25317
Fifty Two Week High 16.53
Fifty Two Week High Change -0.31000137
Fifty Two Week High Change Percent -0.018753864
Fifty Two Week Low 12.46
Fifty Two Week Low Change 3.7599993
Fifty Two Week Low Change Percent 0.3017656
Fifty Two Week Range 12.46 - 16.53
Financial Currency USD
First Trade Date Milliseconds 1,328,884,200,000
Five Year Avg Dividend Yield 2.43
Float Shares 49,169,854
Forward Eps 1.20667
Forward P E 13.441951
Full Exchange Name NasdaqGS
Full Time Employees 1,890
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 687,865,024
Has Pre Post Market Data 1
Held Percent Insiders 0.82094
Held Percent Institutions 0.12715
Implied Shares Outstanding 221,401,080
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,779,408,000
Last Dividend Value 0.7
Last Fiscal Year End 1,767,139,200
Last Split Date 1,352,332,800
Last Split Factor 2:1
Long Business Summary 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.
Long Name Mechanics Bancorp
Market us_market
Market Cap 3,591,125,504
Market State PRE
Max Age 86,400
Message Board Id finmb_3168422
Most Recent Quarter 1,774,915,200
Name Change Date 2,026-07-13
Net Income To Common 266,038,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 3,593,339,528
Number Of Analyst Opinions 3
Open 16.245
Operating Cashflow 206,432,000
Operating Margins 0.40178
Overall Risk 6
Payout Ratio 3.2759
Phone 925 482 8000
Prev Name Mechanics Bank
Previous Close 16.15
Price Eps Current Year 15.954045
Price Hint 2
Price To Book 1.2864847
Price To Sales Trailing12 Months 5.2206836
Profit Margins 0.38676
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change 0.0699997
Regular Market Change Percent 0.433435
Regular Market Day High 16.25
Regular Market Day Low 15.915
Regular Market Day Range 15.915 - 16.25
Regular Market Open 16.245
Regular Market Previous Close 16.15
Regular Market Price 16.22
Regular Market Time 1,783,972,801
Regular Market Volume 580,191
Return On Assets 0.01403
Return On Equity 0.10301
Revenue Growth 0.307
Revenue Per Share 2.488
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 3
Shares Outstanding 220,286,632
Shares Percent Shares Out 0.0154
Shares Short 3,413,188
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 4,195,188
Short Name Mechanics Bancorp
Short Percent Of Float 0.0862
Short Ratio 6.59
Source Interval 15
State CA
Symbol MCHB
Target High Price 17.0
Target Low Price 16.0
Target Mean Price 16.66667
Target Median Price 17.0
Total Cash 536,852,000
Total Cash Per Share 2.32
Total Debt 219,630,000
Total Revenue 687,865,024
Tradeable 0
Trailing Annual Dividend Rate 0.61
Trailing Annual Dividend Yield 0.0377709
Trailing Eps -683.68
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 14.57825
Two Hundred Day Average Change 1.6417494
Two Hundred Day Average Change Percent 0.11261635
Type Disp Equity
Volume 580,191
Website https://www.mechanicsbank.com
Zip 94,596