15.17 USD
+0.25 (+1.68%)
At close: Jan 29, 2026
15.17 USD
0 (0%)
After Hours: 1/29/2026, 8:00:02 PM
MCHB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. While MCHB seems to be doing ok healthwise, there are quite some concerns on its profitability. MCHB has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- MCHB had negative earnings in the past year.
- In the past year MCHB had a positive cash flow from operations.
- In multiple years MCHB reported negative net income over the last 5 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 91.64% of its industry peers.
- MCHB has a worse Return On Equity (-2.78%) than 91.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.34% | ||
| ROE | -2.78% | ||
| 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.
- The number of shares outstanding for MCHB has been increased compared to 1 year ago.
- Compared to 5 years ago, MCHB has less shares outstanding
- MCHB has a worse debt/assets ratio than last year.
2.2 Solvency
- MCHB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 63.96%, which is quite impressive.
- The Revenue has grown by 77.05% in the past year. This is a very strong growth!
- The Revenue for MCHB have been decreasing by -22.10% on average. This is quite bad
EPS 1Y (TTM)63.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%173.13%
Revenue 1Y (TTM)77.05%
Revenue growth 3Y-39.8%
Revenue growth 5Y-22.1%
Sales Q2Q%266.98%
3.2 Future
- The Earnings Per Share is expected to grow by 48.68% on average over the next years. This is a very strong growth
- Based on estimates for the next years, MCHB will show a very strong growth in Revenue. The Revenue will grow by 76.82% on average per year.
EPS Next Y171.68%
EPS Next 2Y77.19%
EPS Next 3Y48.68%
EPS Next 5YN/A
Revenue Next Year305.02%
Revenue Next 2Y129.4%
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
- MCHB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- MCHB is valuated reasonably with a Price/Forward Earnings ratio of 11.99.
- The rest of the industry has a similar Price/Forward Earnings ratio as MCHB.
- When comparing the Price/Forward Earnings ratio of MCHB to the average of the S&P500 Index (25.72), we can say MCHB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 11.99 |
4.2 Price Multiples
- 100.00% of the companies in the same industry are more expensive than MCHB, based on the Price/Free Cash Flow ratio.
| 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.
- 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 2Y77.19%
EPS Next 3Y48.68%
5. Dividend
5.1 Amount
- MCHB has a Yearly Dividend Yield of 5.57%, which is a nice return.
- MCHB's Dividend Yield is rather good when compared to the industry average which is at 2.65. MCHB pays more dividend than 92.69% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, MCHB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.57% |
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 2Y77.19%
EPS Next 3Y48.68%
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 1 / 10.
Can you provide the dividend sustainability for MCHB stock?
The dividend rating of MECHANICS BANCORP-A (MCHB) is 5 / 10 and the dividend payout ratio is 0%.