Mechanics Bancorp (MCHB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-10-29
$14.64-0.20%
Close 2026-10-30 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-10-29
Research Workspace
Put MCHB beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Regional Banks is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Achieve revenue growth near analyst estimates: Direct metric needs a verified mapping.
View ThesisMiddle-of-the-pack quality for its industry.
View QualityManagement screens weak on capital allocation, earnings delivery.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskMCHB’s case rests on optimizing its balance sheet after selling most of its runoff auto portfolio. Recent performance is strong, but the desk lacks revenue growth data and the latest EPS result missed. The shares trade at 1.2× P/B versus a 1.2× peer median, and 1.3× their own historical multiple. The price reflects less growth than our forecast, though the primary revenue-growth pillar needs verified mapping. Our model puts the next-quarter miss probability near 24%. Fragile cash backing for reported profits adds risk. Peer multiples imply a price about 13% above where it trades; the thesis is on watch. This read is provisional.
Trailing returns as of 2026-10-30. MCHB is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 4 analysts currently covering MCHB (as of Oct 2026).
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
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Compare MCHB with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| MCHB Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 9 valuation methods, at three horizons. As of 2026-10-29. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Regional Banks — fair value, gap to price, and forward P/E.
Compare the value case
Put MCHB next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Return capital to shareholders through dividends
A planned $100 million dividend and 17% 2027 ROTCE forecast support shareholder returns and capital efficiency.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-30. EPS is implied from price ÷ P/E. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
A second lens on the 12-month fair value: for companies that score high on measured quality (profitability, balance-sheet safety, earnings stability), this read trusts more of today's profit margins instead of averaging them toward their multi-year history the way the headline number does. Shown alongside the fair value above, not in place of it. A diagnostic, not a price target or a buy/sell signal.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Threatens: Achieve stable EPS
EPS miss pressures the stable-EPS objective, though revenue beat estimates.
Advances: Optimize balance sheet via runoff auto loan portfolio sale
Sale aligns with optimizing balance sheet and potential earnings improvement.
