Mechanics Bancorp (MCHB) Stock Price & Analysis
Mechanics Bancorp (MCHB) fell 1.63% to USD 15.68 as of July 25, 2026 at 05:17 UTC, according to Nexqual real-time market data.
MCHB last closed at USD 15.94; the session ranged USD 15.42–16.09 on volume of 1,981,821 shares. Market capitalization is $3.47B, with a 52-week range of USD 12.46–16.68 (NMS). Source: Nexqual, July 25, 2026 at 05:17 UTC.
Key Statistics (as of July 25, 2026 at 05:17 UTC)
| Price | USD 15.68 |
|---|---|
| Change | ▼ 1.63% (down) |
| Previous Close | USD 15.94 |
| Open | USD 16.09 |
| Day Range | USD 15.42 – 16.09 |
| 52-Week Range | USD 12.46 – 16.68 |
| Volume | 1,981,821 shares |
| Market Cap | $3.47B |
| Exchange | NMS |
Technical Analysis (MCHB)
Nexqual's technical model rates MCHB "NEUTRAL" based on 3 bullish and 2 bearish signals across 125 daily candles, as of July 25, 2026 at 05:17 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 47.28 (neutral) |
| vs SMA50 | Above (USD 15.32) |
| MACD | 0.17 (positive) |
Analyst Ratings (MCHB)
Wall Street analysts rate MCHB "Buy" based on 3 analysts, with a mean price target of USD 16.67 (range USD 16–17), per Nexqual as of July 25, 2026 at 05:17 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 16.67 |
| High Target | USD 17 |
| Low Target | USD 16 |
| Buy / Hold / Sell | 2 / 1 / 0 |
Earnings (MCHB)
| Next Earnings Date | 2026-07-29 |
|---|---|
| EPS Estimate | USD 0.25 |
| Revenue Estimate | $199.33M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-03-31 | USD 0.24 vs est 0.26 ▼ miss |
| 2025-12-31 | USD 0.59 vs est 0.26 ▲ beat |
| 2025-09-30 | USD 0.28 vs est 0.56 ▼ miss |
Source: Nexqual, July 25, 2026 at 05:17 UTC.
Financials & Fundamentals (MCHB)
| Total Revenue | $687.87M |
|---|---|
| Revenue Growth (YoY) | +30.70% |
| Gross Margin | +0.00% |
| Operating Margin | +40.18% |
| Profit Margin | +38.68% |
| ROE | +10.30% |
| Total Cash | $536.85M |
| Total Debt | $219.63M |
Source: Nexqual, July 25, 2026 at 05:17 UTC.
Financial Health Score (MCHB)
Nexqual rates Mechanics Bancorp's overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 05:17 UTC.
| Growth | Strong — Revenue +31% YoY (latest Q) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $537M cash vs $220M debt, net cash position |
| Cash Flow | Solid — Operating cash flow $206M |
| Efficiency | Mixed — ROE 10%, ROA 1.4% |
Ownership (MCHB)
| Insider Ownership | +82.09% |
|---|---|
| Institutional Ownership | +12.75% |
| Shares Outstanding | 220.29M |
| Float | 49.17M |
| Short % of Float | +8.62% |
Source: Nexqual, July 25, 2026 at 05:17 UTC.
Leadership (MCHB)
Mechanics Bancorp is led by C. J. Johnson (age 41), President & CEO, per Nexqual as of July 25, 2026 at 05:17 UTC.
| President & CEO | C. J. Johnson (age 41) |
|---|---|
| Executive Chairman | Carl B. Webb (age 75) |
| Executive VP & CFO | Nathan J. Duda (age 46) |
| Executive VP & COO | Christopher D. Pierce (age 52) |
| Senior VP and Director of Marketing & Communications | David Louis |
Major Backers & Investors (MCHB)
Notable institutional backers of Mechanics Bancorp include Mechanics Bank Trust Department, GW&K Investment Management, LLC, Composition Wealth, LLC, according to Nexqual as of July 25, 2026 at 05:17 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Mechanics Bank Trust Department | 1.02% |
| GW&K Investment Management, LLC | 0.51% |
| Composition Wealth, LLC | 0.51% |
| WisdomTree Trust-WisdomTree U.S. SmallCap Dividend Fund | 0.36% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 2.27% |
| Vanguard Group | 1.86% |
| State Street | 1.11% |
| Geode Capital | 0.64% |
| BNY Mellon | 0.5% |
| Dimensional Fund Advisors | 0.35% |
Source: Nexqual, July 25, 2026 at 05:17 UTC.
From Mechanics Bancorp's Latest SEC 10-K Filing (filed 2026-03-17)
Key Strengths & Strategy (as disclosed to the SEC)
- Our lot acquisition loans and land development loans are typically on entitled land, versus raw land, and are used to support our vertically integrated and experienced local developers who maintain inventory for building single family projects.
Partnerships
- Ceasing the origination of auto loans in February 2023, Mechanics Bank continued to service its existing auto loan portfolio until May 1, 2025, when it entered into a servicing agreement with a third-party servicer to oversee and manage Mechanics Bank's active portfolio of auto loans.
- Loan amounts are offered up to $350,000 with terms of three, five, or seven years.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| HFWA | Heritage Financial Corporation | USD 30.16 | ▼ 0.07% |
| HBCP | Home Bancorp, Inc. | USD 70.21 | ▲ 1.34% |
| EFSC | Enterprise Financial Services C | USD 65.99 | ▲ 0.47% |
| HTB | HomeTrust Bancshares, Inc. | USD 48.7 | ▲ 1% |
| HBNC | Horizon Bancorp, Inc. | USD 20.06 | ▼ 0.74% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 05:17 UTC. This page is informational and not investment advice.