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Northern and Central California bank, recently public after decades as a private, family-owned institution.
Northern and Central California bank, recently public after decades as a private, family-owned institution.
Moat: narrow (scale, distribution). Long-standing California deposit franchise, though moat is limited outside its home region.
Headquarters: Walnut Creek, California, US · Founded: 1905 · Employees: 1,921
Size Mechanics Bancorp (MCHB) is a United States Financials company (Regional Banks) with a market value of $3.41B, the 1456th largest of 3,117 United States companies the cockpit tracks. Shares closed at $14.72 on 6 Nov 2026.
Performance Over six months the shares fell 0.7%, against +2.8% for the median peer and -1.1% for the United States market (cap-weighted) — 9th lowest of 21 in its peer set.
Growth Revenue grew 131.3% over the last twelve months (peer median +1.3%); the operating margin is 41.1% (peer median 36.6%).
Valuation It trades at 1.33× book value against a peer median of 1.10× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 14.8%; Mechanics Bancorp delivers 10.2%, so the price asks more than the business earns today.
Short interest Short interest is 1.8% of the free float (15 Oct 2026).
Next results Next results expected around 4 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.03B | $886M | $594M | $443M | $359M |
| Revenue growth | — | +49% | +34% | +23% | — |
| Net income | $272M | $266M | $29.0M | -$27.5M | $66.5M |
| Free cash flow | n/a | $187M | $286M | $9.91M | $231M |
| Capital expenditure | n/a | $6.51M | $6.37M | $3.81M | $6.79M |
| Total debt | $210M | $279M | $56.1M | $2.00B | $1.28B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Mechanics Bancorp MCHB | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% |
| Westamerica Bancorporation WABC | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% |
| TriCo Bancshares TCBK | $1.67B | +2% | +4% | 11% | 1.26× | 9.6% |
| Five Star Bancorp FSBC | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | MCHB | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +1.4% | +1.6% | 11th highest of 21 |
| 6-month return | -0.7% | +2.8% | 9th lowest of 21 |
| Return on equity | 10.2% | 8.8% | 8th highest of 21 |
| Price / book | 1.33× | 1.10× | 7th most expensive of 21 |
| Trailing P/E | 12.4× | 11.3× | 6th most expensive of 19 |
| ROE the price implies | 14.8% | 9.0% | 2nd most demanding of 20 |
| ROE delivered | 10.2% | 9.2% | 8th highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Mechanics Bancorp MCHB | United States | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% | 10.2% |
| First Financial Bancorp FFBC | United States | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% | 10.7% |
| Taichung Commercial Bank 2812.TW | Taiwan | $3.38B | -12% | -13% | 11% | 1.16× | 3.9% | 11.2% |
| TowneBank TOWN | United States | $3.36B | +4% | +36% | 13% | 1.08× | 9.0% | 12.9% |
| Nishi-Nippon Financial 7189.T | Japan | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% | 7.8% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | China | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% | 13.8% |
| First Interstate BancSystem FIBK | United States | $3.50B | +4% | -4% | 10% | 1.12× | 9.0% | 9.5% |
| Yamaguchi Financial 8418.T | Japan | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% | 5.7% |
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| Seacoast Banking Corporation of Florida SBCF | United States | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% | 6.8% |
| Bank of Guiyang 601997.SS | China | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% | 6.9% |
| UCO Bank UCOBANK.NS | India | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% | n/a |
| Walliser Kantonalbank WKBN.SW | Switzerland | $3.15B | +4% | -12% | 5% | 1.50× | n/a | 5.3% |
| WesBanco WSBC | United States | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% | 8.8% |
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| First Hawaiian FHB | United States | $3.04B | -9% | +1% | 10% | 1.08× | 9.3% | 9.9% |
| Cembra Money Bank CMBN.SW | Switzerland | $3.03B | -9% | -3% | 15% | 1.93× | 4.1% | 14.7% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |