MCHB
Mechanics Bancorp
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
0/100
Last price
14.89
▼ 0.04 (0.27%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
14.84
Prev close
14.93
Day high
15.07
Day low
14.87
Volume
527.58K
Market cap
$3.30B
P/E (TTM)
11.63
52W range
12.82 – 17.38
Day trading desk
Gap from prior close
-0.60%
Prior close 14.93
VWAP
14.94
-0.33% from price
Relative volume
0.81×
Normal
Session range
1.55%
14.84 – 15.07
Position in range
22%
Near session low
ATR (14D)
0.29
1.97% of price
Prior day high
15.01
PDH
Prior day low
14.75
PDL
Bid / ask spread
—
Quote not published
Session volume
466.26K
Avg 577.36K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.20%
-1.7%
1M
-5.88%
-7.0%
3M
-4.00%
-8.5%
6M
+0.20%
-18.0%
YTD
+1.78%
-12.5%
1Y
+12.04%
-4.4%
3Y
+91.14%
+8.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on MCHB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+16.50K
Net buying
Buy transactions
5
16.50K shares
Sell transactions
1
2 shares
Net transactions
+6
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
189.99M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jun 15, 26 | DOWNER EDWARD MICHAEL Director |
SELL | 2 | $30 | Indirect |
| May 27, 26 | WILCOX JON R. Director |
— | 3.30K | — | Direct |
| May 27, 26 | CROWE ADRIENNE Y Director |
— | 3.30K | — | Direct |
| May 27, 26 | DOWNER EDWARD MICHAEL Director |
— | 3.30K | — | Indirect |
| May 27, 26 | DOWNER DOUGLAS E. Director |
— | 3.30K | — | Indirect |
| May 27, 26 | COCHRAN PATRICIA YVONNE Director |
— | 3.30K | — | Direct |
| Feb 27, 26 | PELAYO FERNANDO Officer |
STOCK | 4.47K | $0 | Direct |
| Feb 27, 26 | KALLINGAL TONY P Officer |
STOCK | 6.05K | $0 | Direct |
| Feb 27, 26 | SHRADER GLENN C. General Counsel |
STOCK | 3.37K | $0 | Direct |
| Feb 27, 26 | SHIELDS KRISTIE S. Officer |
STOCK | 4.21K | $0 | Direct |
| Feb 27, 26 | PIERCE CHRISTOPHER D. Chief Operating Officer |
STOCK | 7.63K | $0 | Direct |
| Feb 27, 26 | GIVANS SCOTT A Officer |
STOCK | 6.57K | $0 | Direct |
| Feb 27, 26 | DUDA NATHAN Chief Financial Officer |
STOCK | 7.63K | $0 | Direct |
| Feb 13, 26 | DUDA NATHAN Chief Financial Officer |
— | 2.57K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
DOWNER DOUGLAS E. |
Director | — | Conversion of Exercise of derivative security |
DOWNER EDWARD MICHAEL |
Director | — | Sale |
DUDA NATHAN |
Chief Financial Officer | 39.99K | Stock Award(Grant) |
ENDRESEN WILLIAM D |
Officer | 39.84K | Stock Award(Grant) |
EVANS GODFREY B |
General Counsel | 81.39K | Stock Award(Grant) |
ISEMAN JAY C |
Officer | 93.33K | Stock Award(Grant) |
MASON MARK K |
Chief Executive Officer | 228.47K | Stock Award(Grant) |
MICHEL JOHN M. |
Chief Financial Officer | 105.09K | Stock Award(Grant) |
VAN AMEN DARRELL S |
Chief Investment Officer | 95.87K | Stock Award(Grant) |
WEBB CARL B. |
Director and Beneficial Owner of more than 10% of a Class of Security | — | Stock Award(Grant) |
Fundamentals
Market cap$3.30B
Enterprise value$3.14B
Revenue (TTM)$742.47M
Gross profit$742.47M
EBITDA—
Net income$281.25M
EPS (TTM)$1.28
Free cash flow—
Total cash$603.71M
Total debt$297.01M
Book value / share$11.62
Shares outstanding220.31M
Float49.21M
Short % of float9.88%
Dividend yield10.48%
Beta (5Y)0.14
Valuation & profitability ratios
Trailing P/E11.63
Forward P/E12.49
PEG ratio—
Price / sales—
Price / book1.28
EV / revenue4.23
EV / EBITDA—
Gross margin0.00%
Operating margin46.84%
Profit margin37.88%
Return on equity11.02%
Return on assets1.49%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $663.16M | $379.25M | — | $694.97M | $687.94M | +74.9% |
| Operating revenue | $663.16M | $379.25M | — | $694.97M | $687.94M | +74.9% |
| Selling, general & admin | $231.45M | $209.07M | — | — | — | +10.7% |
| Pre-tax income | $319.55M | $35.70M | — | — | — | +795.2% |
| Tax provision | $53.81M | $6.70M | — | — | — | +703.4% |
| Net income | $265.74M | $29.00M | — | — | — | +816.4% |
| Net income to common | $265.74M | $29.00M | — | — | — | +816.4% |
| Basic EPS | 1.27 | 0.14 | 3,143.85 | — | — | +807.1% |
| Diluted EPS | 1.27 | 0.14 | 3,143.85 | — | — | +807.1% |
| Basic shares | 208.63M | 201.99M | 64.22K | — | — | +3.3% |
| Diluted shares | 208.73M | 202.05M | 64.22K | — | — | +3.3% |
| Line item | 2025 | 2024 | YoY |
|---|---|---|---|
| Cash & equivalents | $1.03B | $999.71M | +3.0% |
| Property, plant & equipment | $225.97M | $170.91M | +32.2% |
| Goodwill & intangibles | $1.14B | $882.05M | +29.4% |
| Total assets | $22.35B | $16.49B | +35.5% |
| Long-term debt | $192.01M | — | — |
| Total debt | $278.81M | $56.09M | +397.0% |
| Total liabilities | $19.49B | $14.19B | +37.4% |
| Retained earnings | $456.69M | $239.52M | +90.7% |
| Shareholder equity | $2.86B | $2.30B | +24.4% |
| Net tangible assets | $1.72B | $1.42B | +21.2% |
| Shares issued | 221.31M | — | — |
| Line item | 2025 | 2024 | YoY |
|---|---|---|---|
| Net income | $265.74M | $29.00M | +816.4% |
| Depreciation & amortisation | $27.75M | $22.82M | +21.6% |
| Stock-based compensation | $5.59M | $4.59M | +21.8% |
| Change in working capital | -$16.42M | $1.24M | -1,424.9% |
| Operating cash flow | $193.59M | $292.26M | -33.8% |
| Capital expenditure | -$6.51M | -$6.37M | -2.2% |
| Investing cash flow | $1.55B | $476.21M | +224.6% |
| Dividends paid | -$48.56M | -$94.99M | +48.9% |
| Financing cash flow | -$1.71B | -$1.23B | -39.4% |
| Free cash flow | $187.08M | $285.89M | -34.6% |
| End cash position | $1.03B | $999.71M | +3.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $200.97M | $200.06M | $204.89M | $165.09M | $149.75M | +0.5% |
| Operating revenue | $200.97M | $200.06M | $204.89M | $165.09M | $149.75M | +0.5% |
| Selling, general & admin | $66.78M | $72.45M | $71.54M | $57.57M | $50.69M | -7.8% |
| Pre-tax income | $79.26M | $61.87M | $153.95M | $45.10M | $59.04M | +28.1% |
| Tax provision | $21.56M | $17.78M | $29.65M | -$10.06M | $16.56M | +21.3% |
| Net income | $57.70M | $44.09M | $124.30M | $55.16M | $42.48M | +30.9% |
| Net income to common | $57.70M | $44.09M | $124.30M | $55.16M | $42.48M | +30.9% |
| Basic EPS | 0.25 | 0.19 | 0.54 | 0.26 | 0.20 | +31.6% |
| Diluted EPS | 0.25 | 0.19 | 0.54 | 0.26 | 0.20 | +31.6% |
| Basic shares | 221.15M | 222.16M | 221.98M | 208.30M | 200.89M | -0.5% |
| Diluted shares | 221.34M | 222.32M | 222.21M | 208.37M | 200.95M | -0.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $553.91M | $483.51M | $1.03B | $1.44B | +14.6% |
| Property, plant & equipment | $216.24M | $221.20M | $225.97M | $229.57M | -2.2% |
| Goodwill & intangibles | $1.00B | $1.13B | $1.14B | $1.08B | -11.7% |
| Total assets | $21.23B | $21.39B | $22.35B | $22.71B | -0.7% |
| Current debt | $80.00M | — | — | — | — |
| Long-term debt | $130.42M | $128.81M | $192.01M | $190.12M | +1.2% |
| Total debt | $288.59M | $211.22M | $278.81M | $280.92M | +36.6% |
| Total liabilities | $18.54B | $18.60B | $19.49B | $19.93B | -0.3% |
| Retained earnings | $303.05M | $407.91M | $456.69M | $380.95M | -25.7% |
| Shareholder equity | $2.69B | $2.79B | $2.86B | $2.77B | -3.6% |
| Net tangible assets | $1.69B | $1.66B | $1.72B | $1.70B | +1.9% |
| Shares issued | 221.43M | 221.40M | 221.31M | 221.20M | +0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $57.70M | $44.09M | $124.30M | $55.16M | $42.48M | +30.9% |
| Depreciation & amortisation | $10.57M | $10.60M | $10.99M | $6.80M | $4.88M | -0.2% |
| Stock-based compensation | $1.48M | $1.34M | $4.81M | -$2.95M | $1.16M | +10.7% |
| Change in working capital | $26.22M | -$51.41M | $457.00K | $25.66M | $20.02M | +151.0% |
| Operating cash flow | $52.79M | $11.40M | $113.92M | $15.97M | $65.14M | +363.0% |
| Capital expenditure | -$3.14M | -$2.64M | -$3.49M | -$1.06M | -$1.46M | -19.1% |
| Investing cash flow | $252.82M | $381.80M | -$50.42M | $607.53M | $1.23B | -33.8% |
| Dividends paid | -$162.01M | -$92.57M | -$48.56M | $0 | $0 | -75.0% |
| Financing cash flow | -$235.21M | -$939.67M | -$476.17M | -$1.26B | -$17.36M | +75.0% |
| Free cash flow | $49.65M | $8.76M | $110.43M | $14.90M | $63.68M | +466.6% |
| End cash position | $553.91M | $483.51M | $1.03B | $1.44B | $2.08B | +14.6% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
16.00
+7.5% from spot
ATM implied vol
12.5%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
16.00
0 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.25 | 0.27 | +6.6% |
| Mar 2026 | 0.26 | 0.24 | -6.5% |
| Dec 2025 | 0.26 | 0.59 | +125.7% |
| Sep 2025 | 0.56 | 0.28 | -49.9% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.27 | 4 | $202.11M | -20.9% |
| Next quarter | 0.29 | 4 | $203.70M | -21.7% |
| Current year | 1.04 | 4 | $805.50M | -0.4% |
| Next year | 1.19 | 4 | $831.67M | +3.3% |
Analyst targets & ownership
Mean target$17.38
High target$18.00
Low target$17.00
Implied upside16.69%
Analyst count4
ConsensusBUY
Strong buy / Buy1 / 1
Hold2
Sell / Strong sell0 / 0
Held by insiders82.08%
Held by institutions11.62%
Institutions holding198
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
14.94
-0.31% from price
SMA 20
15.16
-1.78% from price
SMA 50
15.90
-6.38% from price
SMA 100
15.63
-4.71% from price
SMA 200
15.23
-2.24% from price
EMA 12
15.01
-0.82% from price
EMA 26
15.29
-2.62% from price
EMA 50
15.53
-4.14% from price
RSI (14)
34.2
Neutral
MACD (12,26,9)
-0.28
Hist 0.01
ATR (14)
0.29
1.97% of price
Realised vol 30D
12.4%
Annualised
Bollinger upper
15.65
20, 2σ
Bollinger lower
14.67
20, 2σ
50 / 200 cross
Golden
15.90 vs 15.23
Trend bias
Below 200
-2.24%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.55
Less volatile than market
Correlation to SPY
0.25
Largely independent
Realised vol 30D
12.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-13.9%
Peak to trough
Max drawdown 5Y
-92.1%
Peak to trough
ATR 14
0.29
1.97% of price
Beta (reported)
0.14
5Y monthly, from filing
Short interest
Shares short
3.91M
Prior 3.49M
Change vs prior
+12.2%
Shorts adding
% of float
9.88%
Normal
% of shares out
1.77%
Against total outstanding
Days to cover
9.3
Crowded exit
Float
49.21M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 5, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| May 29, 26 | Raymond James | INITIATED | — | Outperform |
| May 4, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 10, 26 | Cantor Fitzgerald | INITIATED | — | Overweight |
| Oct 20, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| May 7, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 1, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
Dividends & splits
Forward rate$1.56 / yr
Forward yield10.48%
5-year avg yield—
Payout ratio102.34%
Ex-dividend dateAug 28, 2026
Next pay dateSep 1, 2026
Last split2:1
Split dateNov 8, 2012
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-17
Corporate Changes & Voting Matters
8-K · 2026-08-20
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-29
Annual report of employee stock purchase
11-K · 2026-06-24
Corporate Changes & Voting Matters
8-K · 2026-06-01
Corporate Changes & Voting Matters
8-K · 2026-05-13
Periodic Financial Reports
10-Q · 2026-05-08
Headlines
Mechanics Bank (MCHB) Could Find a Support Soon, Here's Why You Should Buy the Stock Now
Zacks · 12d ago
Mechanics (MCHB) Sells Most of its Runoff Auto Portfolio. Can Redeployment Improve Earnings?
Insider Monkey · 16d ago
Mechanics Bancorp (MCHB) Could Be 11% Undervalued On Its Asset Mix Reset
Simply Wall St. · 19d ago
Mechanics Bank Sells $417 Million of Auto Loans to Bank of America
MT Newswires · 20d ago
Mechanics Bank Completes Sale of Substantial Majority of Runoff Auto Loan Portfolio to Bank of America
Business Wire · 20d ago
Mechanics Bank (MCHB) Upgraded to Buy: What Does It Mean for the Stock?
Zacks · 33d ago
Mechanics Bank (MCHB) Forms 'Hammer Chart Pattern': Time for Bottom Fishing?
Zacks · 40d ago
Mechanics Bancorp Declares Third Quarter 2026 Cash Dividend
Business Wire · 48d ago
PRIVATE STRATEGY · BY QUALIFICATION
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