MCHB
Mechanics Bancorp
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
16.21
▼ 0.16 (0.98%)
MARKET · —
Price
Open
16.59
Prev close
16.37
Day high
16.95
Day low
16.15
Volume
461.14K
Market cap
$3.59B
P/E (TTM)
12.46
52W range
12.52 – 17.38
Trailing performance
Returnvs SPY
1W
-5.15%
-3.8%
1M
+1.63%
-2.1%
3M
+8.29%
+5.2%
6M
+4.92%
-6.1%
YTD
+10.73%
-1.6%
1Y
+17.82%
-2.2%
3Y
+66.50%
-7.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$3.59B
Enterprise value$3.44B
Revenue (TTM)$742.47M
Gross profit$742.47M
EBITDA—
Net income$281.25M
EPS (TTM)$1.30
Free cash flow—
Total cash$603.71M
Total debt$297.01M
Book value / share$11.62
Shares outstanding220.31M
Float139.84M
Short % of float8.76%
Dividend yield9.63%
Beta (5Y)0.15
Valuation & profitability ratios
Trailing P/E12.46
Forward P/E13.54
PEG ratio—
Price / sales—
Price / book1.39
EV / revenue4.64
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 |
|---|---|---|
| Total revenue | $808.62M | $0 |
| Cost of revenue | $0 | $0 |
| Gross profit | $0 | $0 |
| R&D | — | — |
| SG&A | — | — |
| Operating income | — | — |
| Pre-tax income | — | — |
| Tax provision | $0 | $0 |
| Net income | $265.74M | $29.00M |
| EBIT | $0 | $0 |
| Line item | 2025 | 2024 |
|---|---|---|
| Cash & equivalents | — | — |
| Short-term investments | — | — |
| Net receivables | — | — |
| Inventory | — | — |
| Total current assets | — | — |
| Total assets | — | — |
| Total current liabilities | — | — |
| Long-term debt | — | — |
| Total liabilities | — | — |
| Retained earnings | — | — |
| Shareholder equity | — | — |
| Line item | 2025 | 2024 |
|---|---|---|
| Net income | $265.74M | $29.00M |
| Depreciation | — | — |
| Change in working capital | — | — |
| Operating cash flow | — | — |
| Capital expenditure | — | — |
| Investing cash flow | — | — |
| Dividends paid | — | — |
| Buybacks | — | — |
| Financing cash flow | — | — |
| Net change in cash | — | — |
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 | 3 | $202.71M | -20.7% |
| Next quarter | 0.29 | 3 | $204.65M | -21.3% |
| Current year | 1.03 | 3 | $796.14M | -1.5% |
| Next year | 1.20 | 3 | $837.25M | +5.2% |
Analyst targets & ownership
Mean target$17.83
High target$18.00
Low target$17.50
Implied upside10.01%
Analyst count3
ConsensusBUY
Strong buy / Buy1 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders82.08%
Held by institutions11.59%
Institutions holding198
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+9.92M
Net buying
Buy transactions
15
9.92M shares
Sell transactions
1
2 shares
Net transactions
+16
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 | GIVANS SCOTT A Officer |
STOCK | 6.57K | $0 | Direct |
| Feb 27, 26 | DUDA NATHAN Chief Financial Officer |
STOCK | 7.63K | $0 | 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 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) |
Moving averages & technicals
SMA 10
16.80
-3.53% from price
SMA 20
16.66
-2.74% from price
SMA 50
16.12
+0.48% from price
SMA 100
15.51
+4.55% from price
SMA 200
15.03
+7.78% from price
EMA 12
16.64
-2.61% from price
EMA 26
16.51
-1.80% from price
EMA 50
16.17
+0.23% from price
RSI (14)
43.8
Neutral
MACD (12,26,9)
0.14
Hist -0.10
ATR (14)
0.42
2.62% of price
Realised vol 30D
23.1%
Annualised
Bollinger upper
17.45
20, 2σ
Bollinger lower
15.86
20, 2σ
50 / 200 cross
Golden
16.12 vs 15.03
Trend bias
Above 200
+7.78%
Risk profile
Beta vs SPY
0.55
Less volatile than market
Correlation to SPY
0.22
Largely independent
Realised vol 30D
23.1%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-10.7%
Peak to trough
Max drawdown 5Y
-92.1%
Peak to trough
ATR 14
0.42
2.62% of price
Beta (reported)
0.15
5Y monthly, from filing
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.
Options analytics
Put / call volume
1.00
Call-heavy session
Put / call open interest
10.00
Positioning, not flow
Max pain
16.00
-1.2% from spot
ATM implied vol
163.7%
Nearest strike to spot
Skew (10% OTM)
-118.9%
Calls bid over puts
Call volume
1
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
12.00
1 contracts
Heaviest put OI
9.00
5 contracts
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.
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.
Headlines
Mechanics Bancorp Declares Third Quarter 2026 Cash Dividend
Business Wire · 3d ago
Mechanics Bancorp (MCHB) Q2 2026 Earnings Call Transcript
Motley Fool · 15d ago
Community Bank Earnings Expose Diverging Multifamily Risks
CRE Daily · 16d ago
Mechanics Bank Q2 2026 Earnings Call Summary
Moby · 24d ago
Mechanics Bank (MCHB) Q2 Earnings and Revenues Beat Estimates
Zacks · 24d ago
Mechanics Bancorp Q2 Earnings, Revenue Rise
MT Newswires · 24d ago
Mechanics Bancorp Reports Second Quarter 2026 Results
Business Wire · 24d ago
Mechanics Bancorp Announces Date of Second Quarter 2026 Earnings Release and Conference Call
Business Wire · 38d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.