/MCHB

MCHB Stock - Mechanics Bank

Q: What is the analyst price target for MCHB?

Analyst price target information is not currently available for MCHB.

Q: What is MCHB's market cap?

Market capitalization information is not currently available for MCHB.

Financial Services|Banks - Regional|NASDAQ

$13.87+1.84%

+$0.25 (+1.84%) • Aug 29

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

100

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+-2.7%upside

Target: $13.50

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.17

52W High$15.98

52W Low$8.41

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$328.32M	$411.76M	$325.88M	$336.36M	$371.37M
Gross Profit	$45.83M	$178.77M	$260.10M	$334.12M	$307.55M
Gross Margin	14.0%	43.4%	79.8%	99.3%	82.8%
Operating Income	$-120,512,000	$-32,757,000	$84.66M	$146.69M	$101.89M
Net Income	$-144,344,000	$-27,508,000	$66.54M	$115.42M	$79.99M
Net Margin	-44.0%	-6.7%	20.4%	34.3%	21.5%
EPS	$-7.65	$-1.46	$3.51	$5.53	$3.50

Company Overview

Mechanics Bank provides various financial services for individual clients, and small and middle-market businesses. The company offers checking and savings accounts. It also provides home and auto loans; term loans and lines of credit, multi-family lending, commercial real estate loans, owner-occupied real estate loans, equipment financing, and trade services and letters of credit; and small business administration loans. In addition, the company offers credit and debit cards; payable and receivable solutions, fraud prevention, and cash management services; merchant and payroll services, paycheck protection program solutions, and workplace benefit plans; foreign currency, cashier's checks, wire transfers, overdraft, deposit and treasury, trust and estate, investment and asset management, retirement planning, and wealth management services; and online and mobile banking services. It operates through a network of 115 branch locations in the Greater San Francisco, Sacramento, Los Angeles, and San Diego areas, as well as Central Valley in California. Mechanics Bank was founded in 1905 and is headquartered in Walnut Creek, California.

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Earnings History & Surprises

MCHB

Beat Rate

47%

Last 19 quarters

Avg Surprise

+1323.7%

EPS vs Estimate

Beats / Misses

9/10

Last 12 quarters

Latest EPS

$7.94

Q4 2025

EPS Surprise History

Q1 24

-816.7%

$-0.12vs$-0.01

Q2 24

-141.7%

$-0.29vs$-0.12

Q3 24

+4.2%

$-0.23vs$-0.24

Q4 24

-33.3%

$-0.32vs$-0.24

Q1 25

-22.7%

$-0.27vs$-0.22

Q2 25

-114.3%

$-0.15vs$-0.07

Q3 25

-420.0%

$-0.16vs$0.05

Q4 25

+26566.7%

$7.94vs$-0.03

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q1 2026	Jan 26, 2026	$0.26	—	—	—
Q4 2025	Nov 4, 2025	$-0.03	$7.94	+26566.7%	✓ BEAT
Q3 2025	Jul 28, 2025	$0.05	$-0.16	-420.0%	✗ MISS
Q2 2025	Apr 28, 2025	$-0.07	$-0.15	-114.3%	✗ MISS
Q1 2025	Jan 27, 2025	$-0.22	$-0.27	-22.7%	✗ MISS
Q4 2024	Oct 29, 2024	$-0.24	$-0.32	-33.3%	✗ MISS
Q3 2024	Jul 29, 2024	$-0.24	$-0.23	+4.2%	✓ BEAT
Q2 2024	Apr 30, 2024	$-0.12	$-0.29	-141.7%	✗ MISS
Q1 2024	Jan 29, 2024	$-0.01	$-0.12	-816.7%	✗ MISS
Q4 2023	Oct 30, 2023	$0.05	$0.12	+140.0%	✓ BEAT
Q3 2023	Jul 28, 2023	$0.20	$0.17	-15.0%	✗ MISS
Q2 2023	Apr 24, 2023	$0.40	$0.27	-32.5%	✗ MISS
Q1 2023	Jan 27, 2023	$0.75	$0.45	-40.0%	✗ MISS
Q4 2022	Oct 24, 2022	$1.02	$1.08	+5.9%	✓ BEAT
Q3 2022	Jul 25, 2022	$0.96	$0.94	-2.1%	✗ MISS
Q2 2022	Apr 25, 2022	$0.95	$1.01	+6.3%	✓ BEAT
Q1 2022	Jan 24, 2022	$1.31	$1.43	+9.2%	✓ BEAT
Q4 2021	Oct 25, 2021	$1.12	$1.31	+17.0%	✓ BEAT
Q3 2021	Jul 26, 2021	$1.16	$1.37	+18.1%	✓ BEAT
Q2 2021	Apr 26, 2021	$1.12	$1.35	+20.5%	✓ BEAT

Frequently Asked Questions about MCHB

What is MCHB's current stock price?

Mechanics Bank (MCHB) is currently trading at $13.87 per share. The stock has moved +1.84% today.

What is the analyst price target for MCHB?

The average analyst price target for MCHB is $13.50, based on 1 analyst.

What sector is Mechanics Bank in?

Mechanics Bank operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.

What is MCHB's market cap?

Mechanics Bank has a market capitalization of $0.26 billion, making it a small-cap company.

Does MCHB pay dividends?

No, Mechanics Bank does not currently pay a dividend to shareholders.