MECHANICS BANCORP-A (MCHB) Fundamental Analysis & Valuation

NASDAQ:MCHB • US43785V1026

Current stock price

15.21 USD
+0.35 (+2.36%)
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15.21 USD
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This MCHB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MCHB Profitability Analysis

1.1 Basic Checks

  • In the past year MCHB was profitable.
  • MCHB had a positive operating cash flow in the past year.
  • In multiple years MCHB reported negative net income over the last 5 years.
  • Of the past 5 years MCHB 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

1.2 Ratios

  • With a Return On Assets value of 0.76%, MCHB is not doing good in the industry: 68.42% of the companies in the same industry are doing better.
  • MCHB has a Return On Equity of 5.96%. This is in the lower half of the industry: MCHB underperforms 77.63% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 5.96%
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
MCHB Yearly ROA, ROE, ROICMCHB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20 -30

1.3 Margins

  • MCHB's Profit Margin of 27.98% is fine compared to the rest of the industry. MCHB outperforms 64.21% of its industry peers.
  • MCHB's Profit Margin has improved in the last couple of years.
  • MCHB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.98%
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
MCHB Yearly Profit, Operating, Gross MarginsMCHB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -50 -100 -150

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. MCHB Health Analysis

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
  • MCHB has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, MCHB has an improved debt to assets ratio.
MCHB Yearly Shares OutstandingMCHB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
MCHB Yearly Total Debt VS Total AssetsMCHB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 1.03
Altman-Z N/A
ROIC/WACCN/A
WACC25.91%
MCHB Yearly LT Debt VS Equity VS FCFMCHB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B 2.5B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. MCHB Growth Analysis

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.
  • Measured over the past years, MCHB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -32.72% on average per year.
  • MCHB shows a strong growth in Revenue. In the last year, the Revenue has grown by 705.48%.
  • MCHB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.70% yearly.
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

  • The Earnings Per Share is expected to grow by 69.92% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, MCHB will show a quite strong growth in Revenue. The Revenue will grow by 15.62% on average per year.
EPS Next Y152.89%
EPS Next 2Y69.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.22%
Revenue Next 2Y15.62%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
MCHB Yearly Revenue VS EstimatesMCHB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 4

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5

4. MCHB Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 31.69, the valuation of MCHB can be described as expensive.
  • MCHB's Price/Earnings ratio is rather expensive when compared to the industry. MCHB is more expensive than 87.63% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of MCHB to the average of the S&P500 Index (26.91), we can say MCHB is valued inline with the index average.
  • The Price/Forward Earnings ratio is 12.43, which indicates a correct valuation of MCHB.
  • MCHB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MCHB is more expensive than 64.74% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, MCHB is valued a bit cheaper.
Industry RankSector Rank
PE 31.69
Fwd PE 12.43
MCHB Price Earnings VS Forward Price EarningsMCHB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 RankSector Rank
P/FCF 0
EV/EBITDA N/A
MCHB Per share dataMCHB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50K 100K

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.
  • MCHB's earnings are expected to grow with 69.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y69.92%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. MCHB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 8.49%, MCHB is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.73, MCHB pays a better dividend. On top of this MCHB pays more dividend than 99.74% of the companies listed in the same industry.
  • MCHB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 8.49%

5.2 History

  • The dividend of MCHB decreases each year by -7.80%.
  • MCHB has been paying a dividend for over 5 years, so it has already some track record.
  • MCHB has decreased its dividend recently.
Dividend Growth(5Y)-7.8%
Div Incr Years1
Div Non Decr Years1
MCHB Yearly Dividends per shareMCHB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 28.47% of the earnings are spent on dividend by MCHB. This is a low number and sustainable payout ratio.
DP28.47%
EPS Next 2Y69.92%
EPS Next 3YN/A
MCHB Yearly Income VS Free CF VS DividendMCHB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M
MCHB Dividend Payout.MCHB Dividend Payout, showing the Payout Ratio.MCHB Dividend Payout.PayoutRetained Earnings

More info and screens

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MCHB Fundamentals: All Metrics, Ratios and Statistics

MECHANICS BANCORP-A

NASDAQ:MCHB (4/8/2026, 8:00:00 PM)

After market: 15.21 0 (0%)

15.21

+0.35 (+2.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-27
Inst Owners0.8%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner Change3.95%
Market Cap304.20K
Revenue(TTM)609.76M
Net Income(TTM)170.59M
Analysts43.33
Price Target16.32 (7.3%)
Short Float %18881%
Short Ratio9.48
Dividend
Industry RankSector Rank
Dividend Yield 8.49%
Yearly Dividend0.4
Dividend Growth(5Y)-7.8%
DP28.47%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1252.64%
Min EPS beat(2)111.16%
Max EPS beat(2)2394.12%
EPS beat(4)2
Avg EPS beat(4)464.23%
Min EPS beat(4)-527.77%
Max EPS beat(4)2394.12%
EPS beat(8)3
Avg EPS beat(8)209.12%
EPS beat(12)4
Avg EPS beat(12)81.87%
EPS beat(16)6
Avg EPS beat(16)59.09%
Revenue beat(2)1
Avg Revenue beat(2)0.85%
Min Revenue beat(2)-16.36%
Max Revenue beat(2)18.06%
Revenue beat(4)1
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-16.36%
Max Revenue beat(4)18.06%
Revenue beat(8)1
Avg Revenue beat(8)-30.22%
Revenue beat(12)1
Avg Revenue beat(12)-22.85%
Revenue beat(16)1
Avg Revenue beat(16)-18.92%
PT rev (1m)0%
PT rev (3m)10.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.7%
EPS NY rev (1m)-3.23%
EPS NY rev (3m)-3.23%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)-2.45%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-2.09%
Valuation
Industry RankSector Rank
PE 31.69
Fwd PE 12.43
P/S 0
P/FCF 0
P/OCF 0
P/B 0
P/tB 0
EV/EBITDA N/A
EPS(TTM)0.48
EY3.16%
EPS(NY)1.22
Fwd EY8.05%
FCF(TTM)9353.95
FCFY61498.69%
OCF(TTM)9679.6
OCFY63639.71%
SpS30488.05
BVpS143118.75
TBVpS86037.4
PEG (NY)0.21
PEG (5Y)N/A
Graham Number1243.25
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 5.96%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.98%
GM N/A
FCFM 30.68%
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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 1.03
Debt/EBITDA N/A
Cap/Depr 23.47%
Cap/Sales 1.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 109.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC25.91%
ROIC/WACCN/A
Cap/Depr(3y)21.66%
Cap/Depr(5y)276.58%
Cap/Sales(3y)1.09%
Cap/Sales(5y)11.04%
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 Y152.89%
EPS Next 2Y69.92%
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 Year27.22%
Revenue Next 2Y15.62%
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 1Y503.09%
FCF growth 3Y36.98%
FCF growth 5YN/A
OCF growth 1Y521.58%
OCF growth 3Y-3.93%
OCF growth 5YN/A

MECHANICS BANCORP-A / MCHB Fundamental Analysis 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.


Can you provide the profitability details for MECHANICS BANCORP-A?

MECHANICS BANCORP-A (MCHB) has a profitability rating of 2 / 10.


How financially healthy is MECHANICS BANCORP-A?

The financial health rating of MECHANICS BANCORP-A (MCHB) is 4 / 10.


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

The dividend rating of MECHANICS BANCORP-A (MCHB) is 6 / 10 and the dividend payout ratio is 28.47%.