Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
MCHB
HoldUnloved QualityMechanics Bancorp · Financial Services · United States · $3.5B · Avg Vol: $7M/d
COMPANY DESCRIPTION
Mechanics Bancorp is a regional bank holding company providing commercial and retail banking services in California. The bank leverages its strong local market knowledge and personalized service to secure a loyal customer base in its operating footprint. It operates as a conservative, relationship-driven community bank focused on local business lending.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 687.9M | 695.0M | — | 379.2M | 663.2M | -0.9% | 742.5M | 651.8M | 683.4M | 1.5% |
| EPS | — | — | 3,144 | 0.14 | 1.27 | -98.0% | 1.30 | 0.97 | 1.13 | -5.5% |
| Shares | — | — | — | — | 221.3M | — | 220.3M | — | — | — |
| Debt | — | — | — | 56.1M | 278.8M | 397.0% | 297.0M | — | — | — |
| Equity | — | — | — | 2.3B | 2.9B | 24.4% | — | — | — | — |
| Op CF | — | — | — | 292.3M | 193.6M | -33.8% | 194.1M | — | — | — |
| Inv CF | — | — | — | 476.2M | 1.5B | — | — | — | — | — |
| Fin CF | — | — | — | -1.2B | -1.7B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of MCHB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| MCHB | Mechanics Bancorp(you) | $3.5B | 60 | Hold |
| FIBK | First Interstate BancSystem, Inc. | $3.5B | 61 | Hold |
| RNST | Renasant Corporation | $3.8B | 61 | Hold |
| FHB | First Hawaiian, Inc. | $3.1B | 60 | Hold |
| FFBC | First Financial Bancorp. | $3.4B | 56 | Hold |
| CVBF | CVB Financial Corp. | $3.9B | 63 | Hold |
| IBOC | International Bancshares Corporation | $4.4B | 59 | Hold |
| TOWN | TowneBank | $3.5B | 65 | Buy |
| PRK | Park National Corporation | $3.6B | 54 | Hold |
| WSFS | WSFS Financial Corporation | $4.0B | 64 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%