Mechanics Bancorp
MCHBFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 8, 2026
Scan Results
Daily timeframeMechanics Bancorp operates as the holding company for Mechanics Bank that provides banking services in California, Oregon, Washington, and Hawaii.It offers various checking and savings accounts,. Valued at $3.50B, MCHB is a mid-cap name in its sector. 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
$3.50B
Beta
0.14
P/E (TTM)
12.17
P/E (Fwd)
13.22
EPS (TTM)
$1.30
EPS (Fwd)
$1.20
ROE
11.0%
ROA
1.5%
Cash
$603.7M
Total Debt
$297.0M
Free CF
—
52W Change
22.6%
Annual Financials
Cash vs Debt
Where MCHB stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, MCHB finished 7.29% above its 150-day moving average ($14.68) and 10.06% above its 200-day moving average ($14.31). 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 September 3, 2026 close, MCHB's RSI(14) was 19.0, 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.
Mechanics Bancorp holds $603.7M in cash against $297.0M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. 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).
MCHB's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Mechanics Bancorp and its sector.