MECHANICS BANCORP-A (MCHB) Stock Fundamental Analysis
NASDAQ:MCHB • US43785V1026
14.24 USD
-0.78 (-5.19%)
Last: Feb 27, 2026, 01:16 PM
MCHB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. MCHB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. MCHB is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
- In the past year MCHB was profitable.
- MCHB had a positive 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 (-0.34%) is worse than 92.08% of its industry peers.
- The Return On Equity of MCHB (-2.78%) is worse than 91.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.34% | ||
| ROE | -2.78% | ||
| ROIC | N/A |
ROA(3y)-0.29%
ROA(5y)0.29%
ROE(3y)-10.73%
ROE(5y)-0.84%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- In the last couple of years the Profit Margin of MCHB has grown nicely.
- The Profit Margin and Operating Margin and Gross Margin are not available for MCHB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.05%
PM growth 5Y8.02%
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.
- Compared to 1 year ago, MCHB has more shares outstanding
- Compared to 5 years ago, MCHB has more shares outstanding
- The debt/assets ratio for MCHB has been reduced compared to a year ago.
2.2 Solvency
- There is no outstanding debt for MCHB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 2.27 | ||
| 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
- MCHB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 143.60%, which is quite impressive.
- The earnings per share for MCHB have been decreasing by -32.72% on average. This is quite bad
- The Revenue has grown by 705.48% in the past year. This is a very strong growth!
- Measured over the past years, MCHB shows a quite strong growth in Revenue. The Revenue has been growing by 17.70% on average per year.
EPS 1Y (TTM)143.6%
EPS 3Y-48.19%
EPS 5Y-32.72%
EPS Q2Q%307.41%
Revenue 1Y (TTM)705.48%
Revenue growth 3Y41.59%
Revenue growth 5Y17.7%
Sales Q2Q%635.97%
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 71.77% on average per year.
- The Revenue is expected to grow by 16.84% on average over the next years. This is quite good.
EPS Next Y161.32%
EPS Next 2Y71.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year29.94%
Revenue Next 2Y16.84%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 29.67, the valuation of MCHB can be described as expensive.
- Based on the Price/Earnings ratio, MCHB is valued more expensive than 86.54% of the companies in the same industry.
- MCHB is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.11, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 11.26, which indicates a very decent valuation of MCHB.
- The rest of the industry has a similar Price/Forward Earnings ratio as MCHB.
- The average S&P500 Price/Forward Earnings ratio is at 28.13. MCHB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.67 | ||
| Fwd PE | 11.26 |
4.2 Price Multiples
- MCHB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MCHB is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0 | ||
| EV/EBITDA | N/A |
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 71.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y71.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.49%, MCHB is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.74, MCHB pays a better dividend. On top of this MCHB pays more dividend than 91.29% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.80, MCHB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
5.2 History
- MCHB has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
DP0%
EPS Next 2Y71.77%
EPS Next 3YN/A
NASDAQ:MCHB (2/27/2026, 1:16:39 PM)
14.24
-0.78 (-5.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2026-01-30/bmo
Earnings (Next)04-27 2026-04-27
Inst Owners0.8%
Inst Owner Change-33.13%
Ins OwnersN/A
Ins Owner Change13.55%
Market Cap284.80K
Revenue(TTM)609.76M
Net Income(TTM)-77.04M
Analysts43.33
Price Target15.81 (11.03%)
Short Float %24513.3%
Short Ratio7.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
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)1
Avg EPS beat(2)933.17%
Min EPS beat(2)-527.77%
Max EPS beat(2)2394.12%
EPS beat(4)1
Avg EPS beat(4)427.51%
Min EPS beat(4)-527.77%
Max EPS beat(4)2394.12%
EPS beat(8)2
Avg EPS beat(8)94.93%
EPS beat(12)3
Avg EPS beat(12)69.19%
EPS beat(16)6
Avg EPS beat(16)52.56%
Revenue beat(2)0
Avg Revenue beat(2)-8.38%
Min Revenue beat(2)-16.36%
Max Revenue beat(2)-0.39%
Revenue beat(4)0
Avg Revenue beat(4)-59.26%
Min Revenue beat(4)-215.69%
Max Revenue beat(4)-0.39%
Revenue beat(8)0
Avg Revenue beat(8)-33.66%
Revenue beat(12)0
Avg Revenue beat(12)-25%
Revenue beat(16)0
Avg Revenue beat(16)-20.1%
PT rev (1m)0%
PT rev (3m)6.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)766.67%
EPS NY rev (1m)0%
EPS NY rev (3m)58.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)349.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)320.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.67 | ||
| Fwd PE | 11.26 | ||
| P/S | 0 | ||
| P/FCF | 0 | ||
| P/OCF | 0 | ||
| P/B | 0 | ||
| P/tB | 0 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.48
EY3.37%
EPS(NY)1.26
Fwd EY8.88%
FCF(TTM)4185.2
FCFY29390.45%
OCF(TTM)4039.5
OCFY28367.28%
SpS15063.35
BVpS138706.7
TBVpS84948.5
PEG (NY)0.18
PEG (5Y)N/A
Graham Number1223.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.34% | ||
| ROE | -2.78% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 27.78% |
ROA(3y)-0.29%
ROA(5y)0.29%
ROE(3y)-10.73%
ROE(5y)-0.84%
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 3Y12.05%
PM growth 5Y8.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 2.27 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 15.36% | ||
| Cap/Sales | 0.97% | ||
| 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-Score4
WACC14.76%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)143.6%
EPS 3Y-48.19%
EPS 5Y-32.72%
EPS Q2Q%307.41%
EPS Next Y161.32%
EPS Next 2Y71.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)705.48%
Revenue growth 3Y41.59%
Revenue growth 5Y17.7%
Sales Q2Q%635.97%
Revenue Next Year29.94%
Revenue Next 2Y16.84%
Revenue Next 3YN/A
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 1Y285.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y315.29%
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 4 / 10 to MCHB.
What is the valuation status for MCHB stock?
ChartMill assigns a valuation rating of 5 / 10 to MECHANICS BANCORP-A (MCHB). This can be considered as Fairly Valued.
How profitable is MECHANICS BANCORP-A (MCHB) stock?
MECHANICS BANCORP-A (MCHB) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for MCHB stock?
The Price/Earnings (PE) ratio for MECHANICS BANCORP-A (MCHB) is 29.67 and the Price/Book (PB) ratio is 0.
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%.