Mechanics Bancorp (MCHB) Stock Price, News & Analysis

Company Overview

Mechanics Bancorp, Inc. is the bank holding company for Mechanics Bank, a community banking institution headquartered in Mansfield, Ohio. Through its banking subsidiary, the company serves individuals, families, small businesses and commercial customers in communities across north-central Ohio.

Mechanics Bank provides traditional banking products and services, including deposit accounts, residential and commercial real estate loans, consumer lending, business financing, treasury management and online and mobile banking. The bank also offers financial services designed to support personal savings, homeownership and the operating needs of local businesses.

Mechanics Bank traces its history to the late 19th century and operates with a community-oriented banking model focused on relationship-based service. Mechanics Bancorp’s business is primarily conducted through its subsidiary bank and its local branch network.

Key Stats

• Today's Range: $14.23 to $14.66
• 50-Day Range: $14.20 to $17.17
• 52-Week Range: $12.91 to $17.38
• Volume: 1.00 million shs
• Average Volume: 493,949 shs
• Market Capitalization: $3.23 billion
• P/E Ratio: 11.87
• Dividend Yield: 6.85%
• Price Target: $17.10
• Consensus Rating: Moderate Buy

Mechanics Bancorp Stock Analysis - MarketRank™

Mechanics Bancorp scored higher than 65% of companies evaluated by MarketBeat, and ranked 411th out of 843 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Mechanics Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 3 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

Mechanics Bancorp has a consensus price target of $17.10, representing about 17.1% upside from its current price of $14.60.

Amount of Analyst Coverage

Mechanics Bancorp has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 13.33%

Earnings Growth

Earnings for Mechanics Bancorp are expected to grow by 13.33% in the coming year, from $1.05 to $1.19 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Mechanics Bancorp is 11.87, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.75.

Price to Earnings Ratio vs. Sector

The P/E ratio of Mechanics Bancorp is 11.87, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.74.

Price to Book Value per Share Ratio

Mechanics Bancorp has a P/B Ratio of 1.13. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

9.79% of the float of Mechanics Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Mechanics Bancorp has a short interest ratio ("days to cover") of 7.01.

Change versus previous month

Short interest in Mechanics Bancorp has recently increased by 1.93%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

Mechanics Bancorp is a leading dividend payer. It pays a dividend yield of 6.97%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Mechanics Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Mechanics Bancorp is 81.30%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on EPS estimates, Mechanics Bancorp will have a dividend payout ratio of 84.03% in the coming year. This indicates that Mechanics Bancorp may not be able to sustain their current dividend.

News and Social Media

• Score: 1.0 / 5
• News Sentiment: -0.47

News Sentiment

Mechanics Bancorp has a news sentiment score of -0.47. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.58 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Mechanics Bancorp this week, compared to 2 articles on an average week.

Search Interest

Only 4 people have searched for MCHB on MarketBeat in the last 30 days. This is a decrease of -43% compared to the previous 30 days.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Mechanics Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

81.60% of the stock of Mechanics Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

74.71% of the stock of Mechanics Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Ex-Dividend for 9/1 Dividend: 8/28/2026
• Record date for 9/1 Dividend: 8/29/2026
• Dividend Payable: 9/01/2026
• Today: 10/20/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:MCHB
• Previous Symbol: OTC:MCHB
• CIK: 1518715
• Web: www.mechanicsbank.com
• Phone: (206) 623-3050
• Fax: 800-654-1075
• Employees: 1,890
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Mechanics Bancorp: $17.10
• High Price Target: $17.50
• Low Price Target: $17.00
• Potential Upside/Downside: +17.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.23
• Trailing P/E Ratio: 11.87
• Forward P/E Ratio: 13.90
• P/E Growth: N/A
• Net Income: $265.74 million
• Net Margins: 23.98%
• Pretax Margin: 29.00%
• Return on Equity: 10.70%
• Return on Assets: 1.37%

Debt

• Debt-to-Equity Ratio: 0.05
• Current Ratio: 0.78
• Quick Ratio: 0.78

Sales & Book Value

• Annual Sales: $1.03 billion
• Price / Sales: 3.12
• Cash Flow: $1.37 per share
• Price / Cash Flow: 10.62
• Book Value: $12.93 per share
• Price / Book: 1.13

Miscellaneous

• Outstanding Shares: 221,430,000
• Free Float: 40,743,000
• Market Cap: $3.23 billion
• Optionable: Optionable
• Beta: 1.44