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MECHANICS BANCORP-A (MCHB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:MCHB - US43785V1026 - Common Stock

15.13 USD
-0.03 (-0.2%)
Last: 12/5/2025, 10:45:10 AM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to MCHB. MCHB was compared to 387 industry peers in the Banks industry. MCHB may be in some trouble as it scores bad on both profitability and health. MCHB is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

MCHB had negative earnings in the past year.
In the past year MCHB has reported a negative cash flow from operations.
In multiple years MCHB reported negative net income over the last 5 years.
In multiple years MCHB reported negative operating cash flow during the last 5 years.
MCHB Yearly Net Income VS EBIT VS OCF VS FCFMCHB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

MCHB has a worse Return On Assets (-1.83%) than 96.64% of its industry peers.
Looking at the Return On Equity, with a value of -34.61%, MCHB is doing worse than 97.16% of the companies in the same industry.
Industry RankSector Rank
ROA -1.83%
ROE -34.61%
ROIC N/A
ROA(3y)-0.45%
ROA(5y)0.27%
ROE(3y)-9.88%
ROE(5y)-0.47%
ROIC(3y)N/A
ROIC(5y)N/A
MCHB Yearly ROA, ROE, ROICMCHB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

MCHB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MCHB Yearly Profit, Operating, Gross MarginsMCHB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150

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1

2. Health

2.1 Basic Checks

MCHB does not have a ROIC to compare to the WACC, probably because it is not profitable.
MCHB has more shares outstanding than it did 1 year ago.
The number of shares outstanding for MCHB has been reduced compared to 5 years ago.
MCHB has a worse debt/assets ratio than last year.
MCHB Yearly Shares OutstandingMCHB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
MCHB Yearly Total Debt VS Total AssetsMCHB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

A Debt/Equity ratio of 0.25 indicates that MCHB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.25, MCHB is doing worse than 63.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.76%
MCHB Yearly LT Debt VS Equity VS FCFMCHB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MCHB Yearly Current Assets VS Current LiabilitesMCHB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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4

3. Growth

3.1 Past

MCHB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 66.67%, which is quite impressive.
MCHB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -63.72%.
Measured over the past years, MCHB shows a very negative growth in Revenue. The Revenue has been decreasing by -22.10% on average per year.
EPS 1Y (TTM)66.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%181.25%
Revenue 1Y (TTM)-63.72%
Revenue growth 3Y-39.8%
Revenue growth 5Y-22.1%
Sales Q2Q%266.98%

3.2 Future

MCHB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 48.68% yearly.
MCHB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 76.82% yearly.
EPS Next Y73.35%
EPS Next 2Y64.83%
EPS Next 3Y48.68%
EPS Next 5YN/A
Revenue Next Year14.36%
Revenue Next 2Y11.89%
Revenue Next 3Y76.82%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MCHB Yearly Revenue VS EstimatesMCHB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
MCHB Yearly EPS VS EstimatesMCHB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 4

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for MCHB. In the last year negative earnings were reported.
MCHB is valuated rather expensively with a Price/Forward Earnings ratio of 19.02.
Based on the Price/Forward Earnings ratio, MCHB is valued a bit more expensive than the industry average as 77.52% of the companies are valued more cheaply.
MCHB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 35.40, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 19.02
MCHB Price Earnings VS Forward Price EarningsMCHB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MCHB Per share dataMCHB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5K 10K 15K 20K

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
MCHB's earnings are expected to grow with 48.68% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y64.83%
EPS Next 3Y48.68%

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0

5. Dividend

5.1 Amount

MCHB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MECHANICS BANCORP-A

NASDAQ:MCHB (12/5/2025, 10:45:10 AM)

15.13

-0.03 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-26 2026-01-26/amc
Inst Owners0.8%
Inst Owner Change-33.13%
Ins OwnersN/A
Ins Owner Change18.25%
Market Cap302.60K
Revenue(TTM)75.70M
Net Income(TTM)-139.49M
Analysts43.33
Price Target14.79 (-2.25%)
Short Float %7921.94%
Short Ratio4.97
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-324.17%
Min EPS beat(2)-527.77%
Max EPS beat(2)-120.58%
EPS beat(4)0
Avg EPS beat(4)-178.37%
Min EPS beat(4)-527.77%
Max EPS beat(4)-29.37%
EPS beat(8)2
Avg EPS beat(8)-184.51%
EPS beat(12)3
Avg EPS beat(12)-129.99%
EPS beat(16)6
Avg EPS beat(16)-96.12%
Revenue beat(2)0
Avg Revenue beat(2)-2.5%
Min Revenue beat(2)-4.6%
Max Revenue beat(2)-0.39%
Revenue beat(4)0
Avg Revenue beat(4)-57.32%
Min Revenue beat(4)-215.69%
Max Revenue beat(4)-0.39%
Revenue beat(8)0
Avg Revenue beat(8)-32.68%
Revenue beat(12)0
Avg Revenue beat(12)-23.78%
Revenue beat(16)0
Avg Revenue beat(16)-19.21%
PT rev (1m)0%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)262.91%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 19.02
P/S 0
P/FCF N/A
P/OCF N/A
P/B 0
P/tB 0
EV/EBITDA N/A
EPS(TTM)-0.32
EYN/A
EPS(NY)0.8
Fwd EY5.26%
FCF(TTM)-2145.35
FCFYN/A
OCF(TTM)-2430.75
OCFYN/A
SpS4274.8
BVpS20149.05
TBVpS14815.2
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.83%
ROE -34.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-0.45%
ROA(5y)0.27%
ROE(3y)-9.88%
ROE(5y)-0.47%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 66.63%
Cap/Sales 6.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC14.76%
ROIC/WACCN/A
Cap/Depr(3y)445.07%
Cap/Depr(5y)277.34%
Cap/Sales(3y)17.85%
Cap/Sales(5y)11.07%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)66.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%181.25%
EPS Next Y73.35%
EPS Next 2Y64.83%
EPS Next 3Y48.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-63.72%
Revenue growth 3Y-39.8%
Revenue growth 5Y-22.1%
Sales Q2Q%266.98%
Revenue Next Year14.36%
Revenue Next 2Y11.89%
Revenue Next 3Y76.82%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y58.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-215.13%
OCF growth 3YN/A
OCF growth 5YN/A

MECHANICS BANCORP-A / MCHB FAQ

Can you provide the ChartMill fundamental rating for MECHANICS BANCORP-A?

ChartMill assigns a fundamental rating of 2 / 10 to MCHB.


Can you provide the valuation status for MECHANICS BANCORP-A?

ChartMill assigns a valuation rating of 2 / 10 to MECHANICS BANCORP-A (MCHB). This can be considered as Overvalued.


How profitable is MECHANICS BANCORP-A (MCHB) stock?

MECHANICS BANCORP-A (MCHB) has a profitability rating of 1 / 10.


How sustainable is the dividend of MECHANICS BANCORP-A (MCHB) stock?

The dividend rating of MECHANICS BANCORP-A (MCHB) is 0 / 10 and the dividend payout ratio is 0%.