MCHB

Mechanics Bank

MCHB.US mechanicsbank.com + Research + Basket
Financial Services · Banks - Regional
CIK 0001439743
Employees 1,768
Phone 925 482 8000
Fiscal year end December
IPO Jul 25, 2012
Address 1111 Civic Drive, Walnut Creek, CA, United States, 94596
Charts Income waterfall Balance sheet Capital intensity Insider trading Price histogram Stock regimes
Themes Regional US Bank (BMO Competition)
14.65
-0.38 (-2.53%)
USD · NASDAQ
52-week range
11.72
17.11
Trading at 54% of the 52-week range
Market Cap
3.33B
P/E Ratio
12.32
Forward P/E
0.00
Book Value
11.09
Div. Yield
0.00%
% Institutions
11.53%
% Insiders
82.08%

1 Year

+23.0%

3 Year

+155.0%

10 Year

-33.4%
Description

Mechanics Bancorp operates as the holding company for Mechanics Bank that provides banking services in California, Oregon, Washington, and Hawaii.It offers various checking and savings accounts, retirement accounts, money market accounts, time certificates of deposit, and safe deposit boxes. The company also provides home loans, auto loans, term loans and lines of credit, owner occupied real estate lending services, small business lending loans, multi-family lending services; mortgage and consumer lending loans; commercial real estate loans; residential construction loans; private banking, such as loan program, personal lines of credit and investment management and trust lines of credit. In addition, it offers unsecured consumer installment loans and personal reserve accounts; automated bill payments, remote and mobile deposit capture, automated clearing house origination, wire transfer, lockbox, payee positive pay, and direct deposit; digital banking. Further, the company provides real estate, escrow services, title, labor unions, nonprofits and property management services. Mechanics Bancorp was founded in 1905 and is headquartered in Walnut Creek, California.

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People

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Directors & Officers

Name Title Year Born
Mr. Carl B. Webb Executive Chairman 1950
Mr. C. J. Johnson President & CEO 1984
Mr. Nathan J. Duda Executive VP & CFO 1979
Mr. Scott A. Givans Executive VP & Chief Credit Officer of Mechanics Bank 1962
Mr. Christopher D. Pierce Executive VP & COO 1973
Mr. Fernando Pelayo Executive VP & Chief Accounting Officer 1978
Mr. Todd McGinley C.F.A. Senior VP & Senior Portfolio Manager NA
Mr. Glenn C. Shrader Executive VP & General Counsel NA
Ms. Kristie S. Shields Executive VP & Chief Compliance Counsel NA
Mr. David Louis Senior VP and Director of Marketing & Communications NA

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Mechanics Bank Trust Department 2.24M Sep 30, 2026 1.01% $4.15 0.00%
State Street Corp 1.72M Jun 30, 2026 0.78% $0.00 0.70%
Manufacturers Life Insurance Co 23.59K Jun 30, 2026 0.01% $0.00 -9.59%
Fifth Third Wealth Advisors LLC 11.79K Sep 30, 2026 0.01% $0.00 0.00%
ANCHYRA PARTNERS LLC 11.59K Sep 30, 2026 0.01% $0.04 -2.29%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard MStar Total Stk Mkt Idx Invest 1.06M 0.48% ▲ 0.00% Sep 30, 2026
2 iShares Russell 2000 ETF 1.05M 0.48% ▼ 0.41% Oct 29, 2026
3 WisdomTree US SmallCap Dividend ETF 803.74K 0.36% ▲ 0.00% Oct 29, 2026
4 State Street® SPDR® S&PRgnllBkgETF 678.85K 0.31% ▼ 2.52% Oct 29, 2026
5 Fidelity Small Cap Index 457.53K 0.21% ▲ 0.94% Jul 31, 2026
6 iShares Russell 2000 Value ETF 371.18K 0.17% ▼ 0.31% Oct 28, 2026
7 Fidelity Extended Market Index 235.28K 0.11% ▼ 2.64% Aug 31, 2026
8 Vanguard Russell 2000 ETF 233.30K 0.11% ▲ 1.00% Sep 30, 2026
9 Mercer Global Small Cap Equity M-5£ 224.88K 0.10% ▼ 10.97% Sep 30, 2026
10 Schwab US Small-Cap ETF™ 207.36K 0.09% ▲ 0.00% Oct 30, 2026

Financial Highlights

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Market Cap: $3.33B
P/E Ratio: $12.32
PEG Ratio: $0.00
Book Value: $11.09
Dividend/Share: $0.00
Dividend Yield: 0.00%
Earnings/Share: $1.22
Profit Margin: 33.33%
Operating Margin: 40.44%
ROA (TTM): 1.19%
ROE (TTM): 9.70%
Revenue (TTM): $776.92M
Revenue/Share (TTM): $3.35
Earnings Growth (YOY): -21.70%
Revenue Growth (YOY): 45.60%

Valuation Metrics

Enterprise Value: $3.04B
Trailing P/E: 12.32
Forward P/E: 0.00

Shares Statistics

Shares Outstanding: 220.36M
Shares Float: 49.25M
% Insiders: 82.08%
% Institutions: 11.53%
Shares Short: 3.98M
Shares Short (Prior Month): 3.99M
Short Ratio: 7.21
Short % Float: 10.05%

Stock Price History

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Financial Charts

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Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$1.03B
Cost of Goods Sold
adjust
$-245.56M
Gross Profit
subtotal
$785.37M
SG&A
adjust
$-228.32M
Other Operating Expense
adjust
$-237.51M
Operating Income
subtotal
$319.55M
Other / Non-Operating Items
adjust
$-53.81M
Net Income
subtotal
$265.74M

Earnings Per Share (EPS) History

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Financial Ratios

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