MCHB

Mechanics Bank

Financial Services · $3.3B market cap

Verdict

We can't put a fair value on MCHB right now. Our bank valuation came out more than 3× away from the share price, and no other method fits a business like this. We'd rather show nothing than a misleading number.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth22.0% a year✓
Equity per share growth7.7% a year✗
Sales growth9.2% a year✗
Free cash flow growth11.5% a year✓
Return on invested capital1.2%✗

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Insider activity

Since Jun 15, 2026: no open-market purchases and 1 sale worth $30. Why purchases matter

Sales

About Mechanics Bank

Mechanics Bank delivers a comprehensive suite of financial solutions, catering to the diverse needs of individual clients and small to mid-sized businesses. Its foundational offerings include a variety of checking and savings accounts. Beyond core deposit services, the bank provides an extensive portfolio of lending options, encompassing personal loans for homes and automobiles, various business financing such as…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works