Mechanics Bancorp
MCHBFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframePart of the financial services sector, Mechanics Bancorp (MCHB) is listed under Banks - Regional. At a $3.36B market cap, Mechanics Bancorp ranks as a mid-cap company within financial services. 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.
Market Cap
$3.36B
Beta
0.14
P/E (TTM)
11.67
P/E (Fwd)
12.86
EPS (TTM)
$1.30
EPS (Fwd)
$1.18
ROE
11.0%
ROA
1.5%
Cash
$603.7M
Total Debt
$297.0M
Free CF
—
52W Change
10.3%
Annual Financials
Cash vs Debt
Where MCHB stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, MCHB finished 4.75% below its 150-day moving average ($14.94) and 2.67% below its 200-day moving average ($14.62). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is MCHB overbought or oversold?
At the October 20, 2026 close, MCHB's RSI(14) was 28.6, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $603.7M in cash and $297.0M in debt, MCHB maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 11.0%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $687.9M (2021) to $663.2M (2025).
The relatively low beta of 0.14 suggests MCHB is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Mechanics Bancorp's trajectory.