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Mechanics Bancorp (MCHB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Mechanics Bancorp

MCHBMarket cap $3.38BPrice $14.6

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs commercial and retail banking operations across California, offering deposits, loans, and treasury services to businesses and individuals. Built its reputation financing the state's trucking and transportation industry, a niche most banks overlook entirely.

In Bastion Portfolios?

52W Return+21%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-1%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+10%–

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1-19%2

EPS Growth Y+2+15%7

EPS Growth Y+3+3%5

Quality

Margins

EBIT Margin0%5

Net Income Margin38%10

Free Cash Flow Margin25%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE11%5

ROA1%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)137

P/E Ratio (Forward 3y)126

P/BV1.39

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield6.8%10

Momentum

Short term

1 month return-6%4

3 month return-4%5

YTD return+9%6

Mid term

Price vs 52wHigh85%7

1 year return+22%7

Long term

3 year return+153%9

5 year return+143%8

Risk Shield

Price Risk

Beta-0.110

Volatility28%7

Free Cash Flow

Free Cash Flow Margin25%9

Free Cash Flow Yield0.0%8

Quality

ROCE12%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

MCHBMechanics Bancorp

Revenue FY25$643M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-19%2

EPS growth, FY27E+15%7

EPS growth, FY28E+3%5

GROWTH ASSESSMENT

STRENGTHS

After shrinking over the last 3 years, revenue is set to grow 10%/yr from here.

WATCH

Revenue is set to grow 10%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

Earnings are set to grow slower than sales (EPS about 3%/yr vs revenue 10%/yr), so margins are under pressure. One year dips: EPS falls 19% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG67 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-4%5

YTD return+9%6

MID & LONG-TERM▾SCORE

% of 52-week high85%7

1-year return+22%7

3-year return+153%9

5-year return+143%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +153% over three years and +143% over five, ahead of 80% of the market.

It's up 22% over the past year, but 15% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level over the past month (-6%), over three months (-4%) and so far this year (+9%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Mechanics Bancorp. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

MCHBMechanics Bancorp

Revenue FY25$643M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-19%2

EPS growth, FY27E+15%7

EPS growth, FY28E+3%5

GROWTH ASSESSMENT

STRENGTHS

After shrinking over the last 3 years, revenue is set to grow 10%/yr from here.

WATCH

Revenue is set to grow 10%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

Earnings are set to grow slower than sales (EPS about 3%/yr vs revenue 10%/yr), so margins are under pressure. One year dips: EPS falls 19% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG67 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-4%5

YTD return+9%6

MID & LONG-TERM▾SCORE

% of 52-week high85%7

1-year return+22%7

3-year return+153%9

5-year return+143%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +153% over three years and +143% over five, ahead of 80% of the market.

It's up 22% over the past year, but 15% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level over the past month (-6%), over three months (-4%) and so far this year (+9%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Mechanics Bancorp. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community