Mechanics Bancorp (MCHB) Stock Price, News & Analysis

Company Overview

Mechanics Bancorp, Inc. is the bank holding company for Mechanics Bank, a community-focused financial institution headquartered in Mansfield, Ohio. Through its banking subsidiary, the company serves individuals, families, businesses and organizations in north-central Ohio.

Mechanics Bank offers a range of traditional banking products and services, including checking and savings accounts, certificates of deposit, residential mortgage loans, commercial real estate financing, business loans, construction lending and consumer credit. The bank also provides online and mobile banking, treasury management and other deposit and payment services.

With roots in community banking, Mechanics Bancorp focuses on relationship-based service and local lending. Its operations are centered on the communities surrounding its branch network in Ohio. The company’s publicly available profile does not provide sufficient verified information to include additional details about its current leadership.

Key Stats

• Today's Range: $15.23 to $15.46
• 50-Day Range: $15.33 to $17.17
• 52-Week Range: $12.82 to $17.38
• Volume: 1.50 million shs
• Average Volume: 474,595 shs
• Market Capitalization: $3.41 billion
• P/E Ratio: 11.85
• Dividend Yield: 6.49%
• Price Target: $17.10
• Consensus Rating: Moderate Buy

Mechanics Bancorp Stock Analysis - MarketRank™

Mechanics Bancorp scored higher than 67% of companies evaluated by MarketBeat, and ranked 435th out of 835 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: 2.7 / 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 11.0% upside from its current price of $15.40.

Amount of Analyst Coverage

Mechanics Bancorp has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 17.65%

Earnings Growth

Earnings for Mechanics Bancorp are expected to grow by 17.65% in the coming year, from $1.02 to $1.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Mechanics Bancorp is 12.52, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.67.

Price to Earnings Ratio vs. Sector

The P/E ratio of Mechanics Bancorp is 12.52, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.31.

Price to Book Value per Share Ratio

Mechanics Bancorp has a P/B Ratio of 1.19. 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

9.42% 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 9.37.

Change versus previous month

Short interest in Mechanics Bancorp has recently increased by 10.16%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

Mechanics Bancorp is a leading dividend payer. It pays a dividend yield of 6.49%, 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 83.33% in the coming year. This indicates that Mechanics Bancorp may not be able to sustain their current dividend.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.45

News Sentiment

Mechanics Bancorp has a news sentiment score of 0.45. 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 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Mechanics Bancorp this week, compared to 2 articles on an average week.

Search Interest

Only 7 people have searched for MCHB on MarketBeat in the last 30 days. This is a decrease of -22% 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: 9/20/2026
• 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: 1,971
• 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: +11.0%
• 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: 11.85
• Forward P/E Ratio: 15.10
• 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: 3.30
• Cash Flow: $1.35 per share
• Price / Cash Flow: 11.40
• Book Value: $12.93 per share
• Price / Book: 1.19

Miscellaneous

• Outstanding Shares: 221,430,000
• Free Float: 40,743,000
• Market Cap: $3.41 billion
• Optionable: N/A
• Beta: 1.39