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MCHB.O — NASDAQ Banks

Mchb.O

$17,01
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Mcap
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P/E
—
EV / Rev
—
Div yield
—
Op margin
—
ROE
9,3 %
Net margin
534,4 %
Debt / equity
0,07
Beta
—
52w range
—
Volume
—
Day range
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Prev close
$16,60
Open
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Next earnings
2026-10-28
Ex-dividend
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TR 1Y
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About

Mechanics Bancorp operates as a financial institution within the Banks industry, generating revenue primarily through interest income and banking services.

Business. Mechanics Bancorp operates as a financial institution within the Banks industry, generating revenue primarily through interest income and banking services.

Classification85 %
SectorFinancials
Industry groupBanks
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
Upcoming events
  • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
See all catalysts →

At a glance

Score
—
not yet scored
Valuation
—
valuation pending
Analysts
—
not yet wired
Ownership→
AllianceBernstein L.P.
largest disclosed fund holder
Profitability→
9,3 %
return on equity
Quality
—
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning MCHB.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to MCHB.O. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Company
    • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Mechanics Bancorp operates as a financial institution within the Banks industry, generating revenue primarily through interest income and banking services.

    Classification85 %
    SectorFinancials
    Industry groupBanks
    AI synthesis
    GENERATED

    Mechanics Bancorp maintains a conservative capital structure with total assets of $22.35 billion and total equity of $2.86 billion. The company holds $1.03 billion in cash and equivalents against $192 million in long-term debt, resulting in a low debt-to-equity ratio of 0.07. Liquidity risk is assessed as low, supported by a current ratio implied by the strong cash position relative to short-term obligations, though specific current ratio metrics are not provided in the snapshot.

    Profitability metrics indicate a return on equity of 9.28% and a return on assets of 1.19%. The company reported net income of $265.7 million against revenue of $49.7 million, suggesting that the revenue figure may represent non-interest income or a specific segment, as net income significantly exceeds the reported revenue line item, which is atypical for standard banking income statements where interest income is the primary revenue driver. Without cohort median data, direct comparative analysis of profitability efficiency is limited, but the positive net income confirms operational viability.

    Key takeaways
    • Mechanics Bancorp reports a low debt-to-equity ratio of 0.07, indicating a conservative leverage profile.
    • Net income of $265.7 million exceeds reported revenue of $49.7 million, highlighting a potential data anomaly or specific accounting treatment for banking income.
    • Liquidity and dilution risks are both assessed as low, with no immediate flags detected in filings.
    • The company holds $1.03 billion in cash and equivalents, providing a strong liquidity buffer against $192 million in long-term debt.
    • Classification confidence is low (0.20), and historical growth data is absent, limiting trend analysis.
    • No recent news or filing observations are available, suggesting limited recent public activity.

    Bull / Bear case

    analysis pipeline
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $17,01
    Market cap
    —
    Enterprise valueⓘ
    —
    P/Eⓘ
    —
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    —
    EV / Op incomeⓘ
    —
    EV / OCFⓘ
    —
    P / Bⓘ
    —
    P / Tangible bookⓘ
    —
    Tangible book
    $2.86B
    Net cashⓘ
    $838.0M
    Current ratioⓘ
    —
    Debt / equityⓘ
    0.1
    ROAⓘ
    1.2%
    ROEⓘ
    9.3%
    Cash conversionⓘ
    73.0%
    CapEx / revenueⓘ
    13.1%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution3 analysts
    Strong buy0
    Buy2
    Hold1
    Sell0
    Strong sell0
    12-month price target$16,67 · Median $17,00
    Low $16,00High $17,00
    Operating income · consensus403,0M USD
    EPS surprise
    +19,8 %
    reported vs consensus · beat
    Revenue surprise
    −5,3 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$16,00
    Mean$16,67
    Median$17,00
    High$17,00
    Spot$17,01
    −2.0 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskLow
    Filing-based flags
    • No immediate filing-based liquidity or dilution flags were detected.

    Benchmarks vs cohort

    Net Margin534,4 %Best in class
    ROE9,3 %Above median
    Capex / Rev13,1 %Best in class
    D/E0,07Above median
    Cash Conv0,73Below median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    Derivative transactions

    Net disposed 2 098 sh15 exercises · 9 grants13 insiders
    • Downer Edward MichaelDirector · Restricted Stock Units → Class A Common StockAcquired 5 513grant · 2026-05-28
    • Crowe Adrienne YDirector · Restricted Stock Units → Class A Common StockAcquired 5 513grant · 2026-05-28
    • Wilcox Jon RDirector · Restricted Stock Units → Class A Common StockAcquired 5 513grant · 2026-05-28
    • Cochran PatriciaDirector · Restricted Stock Units → Class A Common StockAcquired 5 513grant · 2026-05-28
    • Russell Kenneth DDirector · Restricted Stock Units → Class A Common StockAcquired 5 513grant · 2026-05-28
    • Pellegrino Nancy DDirector · Restricted Stock Units → Class A Common StockAcquired 5 513grant · 2026-05-28
    • Downer Douglas EDirector · Restricted Stock Units → Class A Common StockAcquired 5 513grant · 2026-05-28
    • Downer Douglas EDirector · Restricted Stock Units → Class A Common StockDisposed 3 301exercise · 2026-05-27
    • Cochran PatriciaDirector · Restricted Stock Units → Class A Common StockDisposed 3 301exercise · 2026-05-27
    • Crowe Adrienne YDirector · Restricted Stock Units → Class A Common StockDisposed 3 301exercise · 2026-05-27
    • Wilcox Jon RDirector · Restricted Stock Units → Class A Common StockDisposed 3 301exercise · 2026-05-27
    • Downer Edward MichaelDirector · Restricted Stock Units → Class A Common StockDisposed 3 301exercise · 2026-05-27
    • Pelayo FernandoEVP & Chief Accounting Officer · Incentive Units - Not Deferred (2024) → Class A Common StockDisposed 2 506exercise · 2026-02-15
    • Shields Kristie SEVP & Chief Compliance Counsel · Incentive Units - Not Deferred (2023) → Class A Common StockDisposed 1 961exercise · 2026-02-15
    • Shields Kristie SEVP & Chief Compliance Counsel · Incentive Units - Not Deferred (2022) → Class A Common StockDisposed 3 398exercise · 2026-02-15
    • Shrader Glenn CEVP & General Counsel · Incentive Units - Not Deferred (2024) → Class A Common StockDisposed 2 498exercise · 2026-02-15
    • Shrader Glenn CEVP & General Counsel · Incentive Units - Not Deferred (2023) → Class A Common StockDisposed 1 719exercise · 2026-02-15
    • Duda NathanEVP & CFO · Incentive Units - Not Deferred (2024) → Class A Common StockDisposed 2 571exercise · 2026-02-15
    • Shrader Glenn CEVP & General Counsel · Incentive Units - Not Deferred (2022) → Class A Common StockDisposed 2 980exercise · 2026-02-15
    • Kallingal Tony PEVP & Chief Banking Officer · Incentive Units - Not Deferred (2024) → Class A Common StockDisposed 4 580exercise · 2026-02-15
    • Givans Scott A.EVP & Chief Credit Officer · Incentive Units - Not Deferred (2024) → Class A Common StockDisposed 4 164exercise · 2026-02-15
    • Shields Kristie SEVP & Chief Compliance Counsel · Incentive Units - Not Deferred (2024) → Class A Common StockDisposed 2 915exercise · 2026-02-15
    • Downer Douglas EDirector · Incentive Units - Deferred → Class A Common StockAcquired 2 554grant · 2025-09-02
    • Downer Edward MichaelDirector · Incentive Units - Deferred → Class A Common StockAcquired 2 554grant · 2025-09-02

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    • Reference data
    How metrics are computed
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Capex To Revenue
      capital_expenditure / revenue
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Return On Equity
      net_income / total_equity
    Source documents
    • MECHANICS BANCORP Market data — financials · 2026-07-31
    • reconciler_enqueue (reconciler) on MCHB.O · 2026-07-31

    Ownership & reference

    Top holders

    • AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$9M
    • Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$16M
    • Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,00 %$11M
    • EATON VANCE MANAGEMENTInstitutional Investor · as of 2022-09-300,00 %$0M
    • Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$10M
    • Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$10M
    • Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$21M
    • State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$25M
    • First Trust Advisors L.P.Investment Managers · as of 2026-03-310,00 %$1M
    • Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$6M
    • Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$39M
    • UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$3M
    • Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$6M
    • BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$15M
    • Nuveen LLCInvestment Managers · as of 2024-12-310,00 %$1M
    • Invesco QQQ TrustFunds · as of 2026-03-310,00 %$1M
    • AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,00 %$0M
    • Raymond James & Associates, Inc.Brokerage Firms · as of 2026-03-310,00 %$0M
    • T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M
    • LPL Financial LLCInvestment Managers · as of 2026-03-310,00 %$0M
    • Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$0M
    • PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M
    • FMR LLCInstitutional Investor · as of 2026-03-310,00 %$0M
    • JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$0M

    Leadership

    • Carl B. WebbExecutive Chairman of the Board

    Insider activity

    Net selling0 buys · 1 sellsnet -$3012 insiders · last 365d
    • Downer Edward MichaelDirector · Class A Common StockSold 2 @ $15,13$30 · 2026-06-15
    • Cochran PatriciaDirector · Class A Common StockOther 3 301 · 2026-05-27
    • Downer Douglas EDirector · Class A Common StockOther 3 301 · 2026-05-27
    • Wilcox Jon RDirector · Class A Common StockOther 3 301 · 2026-05-27
    • Crowe Adrienne YDirector · Class A Common StockOther 3 301 · 2026-05-27
    • Downer Edward MichaelDirector · Class A Common StockOther 3 301 · 2026-05-27
    • Pierce Christopher DEVP & Chief Operating Officer · Class A Common StockOther 7 626 · 2026-03-01
    • Duda NathanEVP & CFO · Class A Common StockOther 7 626 · 2026-03-01
    • Givans Scott A.EVP & Chief Credit Officer · Class A Common StockOther 6 574 · 2026-03-01
    • Kallingal Tony PEVP & Chief Banking Officer · Class A Common StockOther 6 048 · 2026-03-01
    • Pelayo FernandoEVP & Chief Accounting Officer · Class A Common StockOther 4 470 · 2026-03-01
    • Shields Kristie SEVP & Chief Compliance Counsel · Class A Common StockOther 4 207 · 2026-03-01
    • Shrader Glenn CEVP & General Counsel · Class A Common StockOther 3 366 · 2026-03-01
    • Shields Kristie SEVP & Chief Compliance Counsel · Class A Common StockOther 1 961 · 2026-02-15
    • Shields Kristie SEVP & Chief Compliance Counsel · Class A Common StockOther 2 915 · 2026-02-15
    • Shields Kristie SEVP & Chief Compliance Counsel · Class A Common StockOther 1 201 @ $15,37$18K · 2026-02-15
    • Givans Scott A.EVP & Chief Credit Officer · Class A Common StockOther 4 164 · 2026-02-15
    • Givans Scott A.EVP & Chief Credit Officer · Class A Common StockOther 1 715 @ $15,37$26K · 2026-02-15
    • Kallingal Tony PEVP & Chief Banking Officer · Class A Common StockOther 4 580 · 2026-02-15
    • Kallingal Tony PEVP & Chief Banking Officer · Class A Common StockOther 1 887 @ $15,37$29K · 2026-02-15
    • Shields Kristie SEVP & Chief Compliance Counsel · Class A Common StockOther 808 @ $15,37$12K · 2026-02-15
    • Duda NathanEVP & CFO · Class A Common StockOther 2 571 · 2026-02-15
    • Duda NathanEVP & CFO · Class A Common StockOther 1 801 @ $15,37$28K · 2026-02-15
    • Pelayo FernandoEVP & Chief Accounting Officer · Class A Common StockOther 2 506 · 2026-02-15
    • Pelayo FernandoEVP & Chief Accounting Officer · Class A Common StockOther 1 032 @ $15,37$16K · 2026-02-15

    Short positioning

    3.4Mshares short-0.4% vs prior
    7.44days to cover
    33.1%short of daily vol
    14.8Kfails-to-deliver
    as of 2026-07-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    MCHB.OCanonical
    NASDAQ · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskLow
    No immediate filing-based liquidity or dilution flags were detected.

    Evidence & claims

    From filings & derived data
    • Total liabilities (annual): USD 19.49BUnknown
    • Operating cash flow (annual): USD 193.59MUnknown
    • EPS (diluted) (annual): USD-PER-SHARES 1Unknown
    • Capex (annual): USD 6.51MUnknown
    • EPS (basic) (annual): USD-PER-SHARES 1Unknown
    • Revenue (annual): USD 49.73MUnknown
    • Cash & equivalents (annual): USD 1.03BUnknown
    • Shareholders' equity (annual): USD 2.86BUnknown
    • Long-term debt (annual): USD 192.01MUnknown
    • Net income (annual): USD 265.74MUnknown
    • Pre-tax income (annual): USD 319.55MUnknown
    • Total assets (annual): USD 22.35BUnknown
    • Long-term debt (annual): USD 0Unknown
    • Pre-tax income (annual): USD 35.7MUnknown
    • Total assets (annual): USD 16.49BUnknown
    • Operating cash flow (annual): USD 292.26MUnknown
    • Capex (annual): USD 6.37MUnknown
    • Net income (annual): USD -144.34MUnknown
    • Cash & equivalents (annual): USD 999.71MUnknown
    • EPS (diluted) (annual): USD-PER-SHARES 0Unknown
    • Total liabilities (annual): USD 14.19BUnknown
    • Shareholders' equity (annual): USD 2.3BUnknown
    • EPS (basic) (annual): USD-PER-SHARES 0Unknown
    • Shares outstanding (annual): 18.86MUnknown
    Showing 24 of 25 surfaced claims.
    Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

    The Thread

    Everything we know, in order
    2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
    2026-07-29 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
    2026-06-15 00:00 UTCINSIDER1 insider transaction — 2026-06
    2026-06-15 00:00 UTCINSIDER1 insider transaction — 2026-06
    2026-06-15INSIDERDowner Edward Michael sold 2 sh Class A Common Stock — Director ~$0k
    2026-06-01FILING8-K filing →
    2026-05-28 00:00 UTCINSIDER17 insider transactions — 2026-05 12 derivative
    2026-05-28 00:00 UTCINSIDER17 insider transactions — 2026-05 12 derivative
    2026-05-28INSIDERDowner Edward Michael acquired 5.5k sh Restricted Stock Units — Director
    2026-05-28INSIDERDowner Douglas E acquired 5.5k sh Restricted Stock Units — Director
    2026-05-28INSIDERCrowe Adrienne Y acquired 5.5k sh Restricted Stock Units — Director
    2026-05-28INSIDERWilcox Jon R acquired 5.5k sh Restricted Stock Units — Director
    2026-05-28INSIDERCochran Patricia acquired 5.5k sh Restricted Stock Units — Director
    2026-05-28INSIDERRussell Kenneth D acquired 5.5k sh Restricted Stock Units — Director
    2026-05-28INSIDERPellegrino Nancy D acquired 5.5k sh Restricted Stock Units — Director
    2026-05-27INSIDERCochran Patricia transacted 3.3k sh Class A Common Stock — Director
    2026-05-27INSIDERDowner Douglas E transacted 3.3k sh Class A Common Stock — Director
    2026-05-27INSIDERWilcox Jon R transacted 3.3k sh Class A Common Stock — Director
    2026-05-27INSIDERCrowe Adrienne Y transacted 3.3k sh Class A Common Stock — Director
    2026-05-27INSIDERDowner Edward Michael transacted 3.3k sh Class A Common Stock — Director
    2026-05-27INSIDERCrowe Adrienne Y disposed of 3.3k sh Restricted Stock Units — Director
    2026-05-27INSIDERDowner Douglas E disposed of 3.3k sh Restricted Stock Units — Director
    2026-05-27INSIDERCochran Patricia disposed of 3.3k sh Restricted Stock Units — Director
    2026-05-27INSIDERWilcox Jon R disposed of 3.3k sh Restricted Stock Units — Director
    2026-05-27INSIDERDowner Edward Michael disposed of 3.3k sh Restricted Stock Units — Director
    2026-05-13FILING8-K filing →
    2026-05-08FILING10-Q filing →
    2026-05-05FILING8-K filing →
    2026-04-30FILING8-K filing →
    2026-04-16FILINGDEF 14A filing →
    2026-03-17FILING10-K 2025 →
    2026-03-01 00:00 UTCINSIDER7 insider transactions — 2026-03
    2026-03-01 00:00 UTCINSIDER7 insider transactions — 2026-03
    2026-03-01INSIDERPierce Christopher D transacted 7.6k sh Class A Common Stock — EVP & Chief Operating Officer
    2026-03-01INSIDERDuda Nathan transacted 7.6k sh Class A Common Stock — EVP & CFO
    2026-03-01INSIDERGivans Scott A. transacted 6.6k sh Class A Common Stock — EVP & Chief Credit Officer
    2026-03-01INSIDERKallingal Tony P transacted 6.0k sh Class A Common Stock — EVP & Chief Banking Officer
    2026-03-01INSIDERPelayo Fernando transacted 4.5k sh Class A Common Stock — EVP & Chief Accounting Officer
    2026-03-01INSIDERShields Kristie S transacted 4.2k sh Class A Common Stock — EVP & Chief Compliance Counsel
    2026-03-01INSIDERShrader Glenn C transacted 3.4k sh Class A Common Stock — EVP & General Counsel
    Showing the 40 most recent of 62 entries.
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage