Mechanics Bank stock
MCHBNASDAQFinancial ServicesISIN US43785V1026
65Score 65 out of 100, Neutral
Price and trend
40 / 100
Price history
+9.2% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 5.6% below it.
Since October 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 34).
The price is 16% below its 52-week high. Largest decline in 20 years: 92% (January 2022 to October 2023).
Chart figures for advanced users
- SMA 50$14.92
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$15.24
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)34
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$13.12
- The lowest closing price of the last twelve months.
- Resistance$17.17
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Mechanics Bank belongs to the Banks (Regional) industry (United States) and, with a market value of $3.17B, is number 210 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $804.89M (up 115.7% year on year) and earnings of $265.74M (up 816.4%).
- MEQIRI Score 65 out of 100 (Neutral): rank 602 of 976 in Financial Services, median 68.
Show more
- The P/E is 11.7 (Banks (Regional) median 12.2, own median of recent years 94.5).
- Our model puts fair value at $21.77, with the price 33% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High dividend yieldDividend yield 10.71%, Banks (Regional) median 2.79%.Capital allocation 57
- Growing faster than its industryRevenue up 17.6% a year since 2020, Banks (Regional) median 7.5%.Growth 70
- Below fair valuePrice 33% below the fair value of $21.77.Valuation 90
Weaknesses
- Dividend not coveredPayouts over the last 12 months were 125% of earnings.Capital allocation 57
Its standout strengths are valuation and stability, while profitability and technical analysis hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 66 to 65.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $16.75 and expensive above $31.11 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $28.53 (excess return model) and $15.02 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $19.40, at 7.8% it would be $25.34.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 46.3% on the twelve months before. Revenue has grown solidly since 2007, at about 8% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 40%, net 33%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 29 Jan 2027in 78 days
- Last reported
- 28 Oct 2026EPS reported $0.20 (expected $0.28)below expectations
Analyst estimates
Analysts have cut their 2027 earnings estimate by 7.4% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $1.01−3.3%
- Revenue
- $773.24M−3.5%
- Earnings per share
- $1.09−7.4%
- Revenue
- $794.8M−4.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +4.8%Prior guidance reiterated: annual run rate noninterest expense of about $430 million by the fourth quarter and ROATCE of 17% to 18% in 2027 and beyond.
“We remain on track to deliver on our budgeted cost synergies from the merger and reiterate our prior guidance of achieving an annual run rate, noninterest expense, excluding CDI of approximately $430 million by the fourth quarter of this year.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 29 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. One insider sold, $30 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Downer Edward MichaelSale
15 Jun 2026, Board
- Shares
- 2
- Price
- $15.13
- Value
- $30
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Mechanics Bank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 65
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- SpareBank 1 SMNMING.OL $3.36B75
- Seacoast Banking Corporation of FloridaSBCF $3.25B60
- Park NationalPRK $3.23B65
- Banque Cantonale de GenèveBCGE.SW $3.23B75
- Van Lanschot KempenVLK.AS $3.14B74
- BankUnitedBKU $3.12B63
- Walliser KantonalbankWKBN.SW $3.12B51
- First HawaiianFHB $3.03B62
ETFs that hold Mechanics Bank
Held by 2 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.02% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.02% | 0.30% | €2.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 24 Oct 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.