Skip to content

MECHANICS BANCORP CLASS A (MCHB)

Financials · regional banks · NASDAQ

Mechanics Bancorp is a diversified regional banking organization providing retail, commercial, and wealth management services across its footprint.

What MECHANICS BANCORP CLASS A does

Mechanics Bancorp is a bank holding company that provides a full range of retail, commercial, and wealth management banking services. The company operates through its primary subsidiary, Mechanics Bank, serving a variety of individual and business clients. Mechanics Bancorp significantly expanded its market presence following a 2025 merger with HomeStreet Bank.

Themes: retail banking, commercial lending, mortgage banking, bank mergers and acquisitions, wealth management

Fundamentals

  • Price$14.63 as of 2026-10-21 close
  • Market cap$3.4B as of 2026-08-03 (share count; price 2026-10-21)
  • 1-year return+7.7% 2025-10-21 close $13.59 → 2026-10-21 close $14.63
  • P/E11.25 as of 2026-10-21
  • Net marginn/a profit larger than the revenue it is divided by — gains from outside revenue or a partial revenue line, not a margin
  • ROE+9.6% FY2025, SEC XBRL
  • ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
  • Debt / equity0.08 borrowings, leases excluded / equity — 10-Q/10-K balance sheet 2026-06-30
  • Beta0.82 as of 2026-09-03
  • Last reported earnings2026-07-29 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +6.5%; 1-year non-decreasing per-share dividend streak (SEC XBRL).

Ask why MCHB looks like this →

How MCHB compares in its sector

  • price-to-earnings ratiomiddle range 487 covered Financials peers, as of 2026-10-21
  • net profit margintop 10% 343 covered Financials peers, as of 2026-09-03
  • return on equitymiddle range 558 covered Financials peers, as of 2026-09-03
  • indicated dividend yieldtop 10% 440 covered Financials peers, as of 2026-09-03
  • free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

Ask how MCHB stacks up against peers →

Dividend coverage (FY2025)

Covered by reported results. In FY2025, MCHB's dividend was covered by reported results (earnings payout 18%, free-cash-flow payout 26%). This describes past coverage, not a forecast.

  • Earnings payout18% dividends / net income
  • Free-cash-flow payout26% dividends / (operating cash flow − capex)

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

Ask whether MCHB's dividend is covered →

Quarterly results

QuarterRevenueNet incomeDiluted EPSOperating cash flowCapex
Q2 FY2026 2026-06-30$14M$58M$0.26$53M†$3M†
Q1 FY2026 2026-03-31$13M$44M$0.20$11M$3M
Q4 FY2025 2025-12-31$14M†$124M†$0.58†$114M†$3M†
Q3 FY2025 2025-09-30$12M$55M$0.26$16M†$1M†
Q2 FY2025 2025-06-30$12M$42M$0.21$65M†$1M†
Q1 FY2025 2025-03-31$12M$44M$0.22-$1M$497000
Q4 FY2024 2024-12-31$12M†$52M†$0.25†$75M†$2M†
Q3 FY2024 2024-09-30$12M$40M$0.20$247M†-$2M†

† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.

Balance sheet at 2026-06-30

  • Cash and equivalents$554M
  • Total debt$210M borrowings only; leases excluded
  • Net debt-$343M total debt − cash − short-term investments

From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.

Ask how MCHB's latest quarter compares →

How MECHANICS BANCORP CLASS A looks technically

MECHANICS BANCORP CLASS A (MCHB) is trading 3.9% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 341 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive). It made a new 20-day low about 6 trading days ago. It is 15.8% below its highest point of the past year.

Trend

7
Distance from the 200-dayit is trading 3.9% below its 200-day average, the long-term trend line — a long-term downtrend-3.9%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $15.40$15.40
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $15.22$15.22
Swing structureits recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swingsmixed — one of the two is not confirming
Last swing turnits last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on7 sessions
Since the 50/200 crossits 50-day average crossed above its 200-day average about 341 trading days ago — a "golden cross", a bullish long-term signal341 sessions
Trend strength (14-day ADX)a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control30.1

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30)44.6
Position in its 14-day rangeit is trading in the upper half of its 14-day range ($14.02 to $15.11) — its "stochastic" reading is 56 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.56.0
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive)2 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $17.38$17.38
From the 52-week highit is 15.8% below its 52-week high (its highest price of the past year)-15.8%
Above the 52-week lowit is 13.2% above its 52-week low (its lowest price of the past year)+13.2%
Below the 52-week highit is 15.8% below its highest point of the past year15.8%
Since a 20-day breakoutit made a new 20-day low about 6 trading days ago6 sessions
Since a 55-day breakoutit made a new 55-day low about 6 trading days ago6 sessions
All-time highits highest closing price on record is $57.40 (set on 2022-01-18)$57.40
Given back of the 52-week moveover the past year its closes ranged ($13.12 to $17.17), and it has given back close to two thirds of its rise from last year’s low — 63% of it. Chart-watchers call 61.8%-65% given back the "golden pocket", and this is inside it — for this company that is $14.54 to $14.67. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.62.7%
From the all-time highit is 74.5% below its all-time high-74.5%
Nearest price levelit is trading 0.6% above a support level at $14.55 — a price it turned at three times since 2025-08-22, most recently on 2026-06-17. Since 2024-10-21 it has 9 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.-0.6%
All-time lowits lowest closing price on record is $4.20 (set on 2023-10-27)$4.20
Above the all-time lowit is 248.3% above its all-time low+248.3%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are about average versus its own recent 6-month history34th percentile
Typical daily rangein a typical session it travels about $0.3119 between its high and its low — about 2.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$0.3119
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $14.04 and $15.24 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$14.04 – $14.64 – $15.24
Typical daily range (% of price)its price moves about 2.1% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price2.1%
Stretch from the 200-day averageit is trading 1.9 daily ranges below its 200-day average price (3.9% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale1.9 daily ranges below its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average1.63×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingthe analyst consensus rating is unchanged since the prior readingunchanged

Candlestick patterns

3
Since a dojitoday it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session leveltoday
Since a hammer9 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close9 sessions ago
Since a bullish engulfing1 session ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it1 session ago

Price gaps

2
Gap at the openit opened on 2026-10-21 0.3% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close+0.3%
Gap filleda 2.5% gap down opened on 2026-08-20 has been "filled" 42 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close42 sessions ago

Price streaks

1
Closing streakit has closed higher 2 sessions in a row, a +2.81% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session2 sessions up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 4.1 percentage points (the stock lost 4.2% while the market lost 0.1%)-4.1%
vs market, 3 monthsover the past 3 months this stock lagged the market by 12.2 percentage points (the stock lost 8.8% while the market gained 3.3%)-12.2%
vs market, 6 monthsover the past 6 months this stock lagged the market by 14.5 percentage points (the stock lost 4.7% while the market gained 9.8%)-14.5%
vs market, 12 monthsover the past 12 months this stock lagged the market by 7.5 percentage points (the stock gained 7.7% while the market gained 15.2%)-7.5%

Signal agreement

2
Bullish technical signals2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, MACD momentum is positive — these describe past price behaviour, not a forecast2 of 9
Bearish technical signals4 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast4 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 8.3% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-15 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.4% of the share price.-8.3%

Volume-weighted price

2
Vs this year’s average price paidthe price is 4% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $15.26 — a volume-weighted average of daily closes over 201 sessions, not a true tick-by-tick VWAP.-4.1%
Vs the average paid since it last reportedthe price is 6% below the average price paid since it last reported on 2026-07-29 (its 8-K), so the typical buyer over that stretch is under water. That average is $15.56 — a volume-weighted average of daily closes over 60 sessions, not a true tick-by-tick VWAP.-6.0%

Price levels it has turned at before

MCHB last closed at $14.63 on 2026-10-21. Since 2024-10-21 it has turned at 9 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$14.55Support0.6% below the last closeturned there three times · 2025-08-22 to 2026-06-17
$14.09Support3.7% below the last closeturned there 9 times · 2025-09-11 to 2026-10-14
$15.50Resistance5.9% above the last closeturned there 7 times · 2025-12-10 to 2026-07-27
$13.69Support6.4% below the last closeturned there five times · 2025-07-07 to 2026-04-30
$15.97Resistance9.2% above the last closeturned there five times · 2025-11-28 to 2026-09-04
$16.61Resistance13.5% above the last closeturned there twice · 2026-07-02 to 2026-07-16

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.

Read from daily closes as of 2026-10-21.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-10-21. Describes past price behavior only — informational, not financial advice.

Ask about MCHB's technicals →

Analyst consensus

  • Consensus ratingBuy (2.25 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
  • Mean price target$17.00 range $16.00 – $18.00

Analyst estimates, as of 2026-10-17. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for MCHB

  • Consensus EPS estimate$0.28 next reporting period, as of 2026-10-17
  • Estimate change, 30 days+$0.01 (+3.7%) from $0.27, on 2026-09-12, 35-day window
  • Readings revised upward30% of 10 comparable readings

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

Ask how MCHB's estimates have moved →

Key risks (from latest filing)

["Sensitivity to interest rate fluctuations and net interest margin pressure","Credit risk associated with loan portfolios, particularly commercial real estate and C&I loans","Integration risks and costs following the merger with HomeStreet Bank"]

See MCHB's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of MCHB's 10-Q filed 2026-08-07 against the prior one filed 2026-05-08.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Newer filing (2026-08-07) adds a "Borrowings" line item of $80,000 on the balance sheet as of June 30, 2026, which is not present in the older filing's March 31, 2026 balance sheet.
    • Newer filing (2026-08-07) presents six-month income statement figures for 2026 and 2025, whereas the older filing only presents Q1 single-quarter figures for those years.
  • Removed:
    • Older filing (2026-05-08) includes glossary terms: AUM, BOLI, CDFPI, CECL, EPS, OREO, PSL, and SFR; these terms are absent from the newer filing's glossary.
    • Older filing (2026-05-08) does not present a "Borrowings" line item on the March 31, 2026 balance sheet, while the newer filing includes one.
  • Reworded:
    • Newer filing (2026-08-07) reports a six-month "Provision (reversal of provision) for credit losses on unfunded lending commitments" of $(1,689) for 2026 and $(631) for 2025, while the older filing shows a quarterly provision of $174 for 2026 and $94 for 2025.
    • Newer filing (2026-08-07) reports quarter ended June 30, 2026 net income of $57,701, while the older filing reports quarter ended March 31, 2026 net income of $44,090.
    • Newer filing (2026-08-07) omits the older filing's single-quarter March 31, 2026 statement of comprehensive income figures and instead presents quarter ended June 30, 2026 and six months ended June 30, 2026 figures, resulting in a truncated comprehensive income statement in the provided text.
  • Notes:
    • The newer filing's provided MD&A text appears truncated at the statement of comprehensive income, so changes beyond that point cannot be assessed.
    • Balance sheet, income statement, and statement of comprehensive income periods differ between the two filings (Q2 six-month vs Q1 single-quarter), so changes may reflect different reporting periods rather than restated amounts.

Risk Factors

  • Added:
    • Newer filing (2026-08-07) adds disclosure that Tony Kallingal, Chief Banking Officer, entered into a Rule 10b5-1 trading arrangement on June 17, 2026.
    • Newer filing (2026-08-07) adds details of Tony Kallingal's plan: sale of 20% of net shares from RSUs vesting during the plan duration, excluding shares withheld for income tax; plan expires March 26, 2027, subject to early termination for specified events.
    • Newer filing (2026-08-07) adds disclosure that Glenn Shrader, General Counsel, entered into a Rule 10b5-1 trading arrangement on June 18, 2026.
    • Newer filing (2026-08-07) adds details of Glenn Shrader's plan: sale of 6,100 shares of MCHB common stock and 100% of net shares from RSUs vesting during the plan duration, excluding shares withheld for income tax; plan expires March 31, 2028, subject to early termination for specified events.
    • Newer filing (2026-08-07) adds the statement that, other than the two disclosed arrangements, no other directors or officers adopted, modified, or terminated a Rule 10b5-1 trading arrangement or non-Rule 10b5-1 trading arrangement.
  • Removed:
    • Older filing (2026-05-08) contains the statement that during the quarter ended March 31, 2026, none of the directors or officers adopted, modified, or terminated a Rule 10b5-1 or non-Rule 10b5-1 trading arrangement; this statement is not present in the newer filing.
  • Reworded:
    • Item 5 'Other Information' content changed from a negative statement (no trading arrangements adopted, modified, or terminated during the quarter ended March 31, 2026) in the older filing to detailed disclosures of two Rule 10b5-1 trading arrangements in the newer filing.
  • Notes:
    • The newer filing text is truncated at the end of Item 5; the remainder of the filing after 'non-Ru' is not provided.
    • The older filing text includes Item 6 Exhibits, while the newer filing excerpt does not include Item 6, so that section could not be compared.

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

Ask what changed in MCHB's latest 10-Q →

Insider activity (SEC Form 4)

No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 6 days since 2026-10-16 have not been checked yet.

  • Last 180 days · read to 2026-10-160 buys · 1 sell ($30) — 1 selling insider

Most recent open-market transaction: 2026-06-15. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.

View full insider trading history → View SEC Form 3/4/5 filings

Ask about MCHB's insider activity →

Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding MCHB as of 2026-06-30 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 6,019,946
  • Reported value $95,717,143

reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

Ask about MCHB's institutional holders → See what each manager we track holds →

Short interest (FINRA)

MCHB had 3,988,149 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).

Short interest as a percent of shares outstanding is not shown for MCHB because we do not hold a verified share count to divide it by. The reported figures above are unaffected.

  • Reported short interest (shares) 3,988,149
  • Prior settlement (shares) 3,912,741
  • Reported change 1.93%
  • Days to cover (reported) 7.01

Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

Ask about MCHB's short interest →

Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

Not quite? Describe exactly what you want →

Compare MCHB vs…

MECHANICS BANCORP CLASS A is found in…

Frequently asked questions

What does MECHANICS BANCORP CLASS A (MCHB) do?

Mechanics Bancorp is a bank holding company that provides a full range of retail, commercial, and wealth management banking services. The company operates through its primary subsidiary, Mechanics Bank, serving a variety of individual and business clients. Mechanics Bancorp significantly expanded its market presence following a 2025 merger with HomeStreet Bank.

What sector is MECHANICS BANCORP CLASS A (MCHB) in?

MECHANICS BANCORP CLASS A (MCHB) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.

Does MCHB pay a dividend?

Yes — MECHANICS BANCORP CLASS A (MCHB) pays a dividend, with an indicated yield of about 6.49% and 1-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.

Who are MECHANICS BANCORP CLASS A's (MCHB) competitors?

Notable peers of MECHANICS BANCORP CLASS A (MCHB) include East West Bancorp, Cathay General Bancorp, Pacific Premier Bancorp, CVB Financial and Hanmi Financial. This peer set is informational only — not financial advice.

Is MECHANICS BANCORP CLASS A (MCHB) overbought or oversold right now?

MECHANICS BANCORP CLASS A (MCHB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 45, in the neutral middle (as of 2026-10-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on MCHB come from?

Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-10-21.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.