MECHANICS BANCORP-A (MCHB) Stock Fundamental Analysis
USA - NASDAQ:MCHB - US43785V1026 - Common Stock
13.39 USD
-0.23 (-1.69%)
13.39 USD
0 (0%)
MCHB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. MCHB has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, MCHB is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year MCHB has reported negative net income.
MCHB had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: MCHB reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: MCHB reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of MCHB (-1.83%) is worse than 97.18% of its industry peers.
MCHB has a worse Return On Equity (-34.61%) than 96.92% of its industry peers.
| Industry Rank | Sector 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
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 Rank | Sector 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
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.
Compared to 5 years ago, MCHB has less shares outstanding
Compared to 1 year ago, MCHB has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 0.25 indicates that MCHB is not too dependend on debt financing.
MCHB's Debt to Equity ratio of 0.25 is on the low side compared to the rest of the industry. MCHB is outperformed by 64.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for MCHB have decreased strongly by -73.08% in the last year.
Looking at the last year, MCHB shows a very negative growth in Revenue. The Revenue has decreased by -52.47% in the last year.
The Revenue for MCHB have been decreasing by -22.09% on average. This is quite bad
EPS 1Y (TTM)-73.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%30.43%
Revenue 1Y (TTM)-52.47%
Revenue growth 3Y-39.81%
Revenue growth 5Y-22.09%
Sales Q2Q%14.07%
3.2 Future
Based on estimates for the next years, MCHB will show a very strong growth in Earnings Per Share. The EPS will grow by 48.68% on average per year.
The Revenue is expected to grow by 76.82% on average over the next years. This is a very strong growth
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for MCHB. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 16.83 indicates a correct valuation of MCHB.
76.41% of the companies in the same industry are cheaper than MCHB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.55, MCHB is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.83 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MCHB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as MCHB's earnings are expected to grow with 48.68% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y64.83%
EPS Next 3Y48.68%
5. Dividend
5.1 Amount
MCHB has a Yearly Dividend Yield of 16.60%, which is a nice return.
MCHB's Dividend Yield is rather good when compared to the industry average which is at 3.51. MCHB pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, MCHB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.6% |
5.2 History
MCHB has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
DP0%
EPS Next 2Y64.83%
EPS Next 3Y48.68%
13.39
-0.23 (-1.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners0.8%
Inst Owner Change-33.13%
Ins OwnersN/A
Ins Owner Change18.25%
Market Cap267.80K
Revenue(TTM)85.50M
Net Income(TTM)-139486000
Analysts43.33
Price Target14.79 (10.46%)
Short Float %5107.14%
Short Ratio3.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.6% |
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)-32.67%
Revenue beat(12)0
Avg Revenue beat(12)-23.77%
Revenue beat(16)0
Avg Revenue beat(16)-19.2%
PT rev (1m)3.57%
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)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.83 | ||
| P/S | 0 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0 | ||
| P/tB | 0 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.9
EYN/A
EPS(NY)0.8
Fwd EY5.94%
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 Rank | Sector 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 Rank | Sector 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)443.04%
Cap/Depr(5y)276.03%
Cap/Sales(3y)17.85%
Cap/Sales(5y)11.06%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-73.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%30.43%
EPS Next Y73.35%
EPS Next 2Y64.83%
EPS Next 3Y48.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-52.47%
Revenue growth 3Y-39.81%
Revenue growth 5Y-22.09%
Sales Q2Q%14.07%
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 1Y58.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-215.2%
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 3 / 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 5 / 10 and the dividend payout ratio is 0%.