Mechanics Bank (MCHB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 358 | 347 | 684 | 624 | 373 | 805 | 803 | - |
| Operating profit | $m | 320 | 334 | ||||||
| Net profit | $m | 80 | 115 | 217 | 202 | 29 | 266 | 281 | 228 |
| EPS reported | $ | 1.21 | 1.25 | ||||||
| Operating cashflow per share | $ | 0.89 | 1.21 | ||||||
| Capex per share | $ | 0.03 | 0.05 | ||||||
| FCF per share | $ | 0.86 | 1.15 | ||||||
| Free cash flow | $m | 187 | 268 | ||||||
| Net debt | $m | -862 | -4,543 | ||||||
| Book value equity | $m | 2,862 | 2,690 | ||||||
| Book value per share | $ | 13.08 | 11.57 | ||||||
| Number of shares | m | 218.76 | 232.42 | ||||||
| DPS (TTM paid) | $ | 0.21 | 1.56 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.09 | 11.94 | ||||||
| P/B LTM | x | 1.12 | 1.19 | ||||||
| P/S LTM | x | 3.97 | 3.98 | ||||||
| P/FCF LTM | x | 17.10 | 11.94 | ||||||
| EV/EBITDA LTM | x | 7.41 | 7.09 | ||||||
| EV/Sales LTM | x | 2.37 | 3.22 | ||||||
| Earnings Yield LTM | % | +8.27% | +8.38% | ||||||
| FCF Yield | % | +5.85% | +8.38% | ||||||
| Quality | |||||||||
| ROE | % | +9.28% | +10.12% | ||||||
| ROIC | % | +1.18% | +1.43% | ||||||
| Operating margin | % | +31.00% | +31.51% | ||||||
| Gross margin | % | +76.18% | +73.12% | ||||||
| FCF/Sales | % | +18.15% | +25.28% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +830.77% | +861.54% | ||||||
| Sales Growth YoY | % | +115.75% | +115.37% | ||||||
| Net Income Growth YoY | % | +816.37% | +869.87% | ||||||
| FCF Growth | % | -34.56% | -6.26% | ||||||
| Operating Profit Growth | % | +795.17% | +835.81% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.52% | +7.67% | ||||||
| Dividend Growth | % | -53.11% | +248.29% | ||||||
| Payout Ratio | % | +18.35% | +107.14% | ||||||
| FCF/Debt | x | 0.67 | 1.28 | ||||||
| Net Debt/EBITDA | x | -2.28 | -1.00 | ||||||
| EBIT/Net interest | x | 1.41 | 1.30 | ||||||
| Net debt/market cap | % | +6.81% | +5.54% | ||||||
| Net debt/Equity | x | -0.30 | -1.69 | ||||||
| Gross debt/equity | x | 0.10 | 0.08 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Mechanics Bank delivers a comprehensive suite of financial solutions, catering to the diverse needs of individual clients and small to mid-sized businesses. Its foundational offerings include a variety of checking and savings accounts. Beyond core deposit services, the bank provides an extensive portfolio of lending options, encompassing personal loans for homes and automobiles, various business financing such as term loans, lines of credit, equipment financing, and Small Business Administration (SBA) loans. It also specializes in multi-family, commercial, and owner-occupied real estate lending. The institution further supports its clients with credit and debit cards, sophisticated payable and receivable solutions, robust fraud prevention, and comprehensive cash management services. For businesses, it delivers merchant and payroll services, Paycheck Protection Program (PPP) solutions, and workplace benefit plans. Additional specialized services span foreign currency exchange, cashier's checks, wire transfers, overdraft protection, deposit and treasury services, alongside sophisticated wealth management offerings like trust and estate planning, investment and asset management, and retirement planning. Convenience is enhanced through its online and mobile banking platforms. The bank operates an extensive network of 115 branch locations strategically positioned across key Californian regions, including the Greater San Francisco, Sacramento, Los Angeles, and San Diego areas, as well as the Central Valley. Established in 1905, Mechanics Bank is headquartered in Walnut Creek, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Mechanics Bank delivers a comprehensive suite of financial solutions, catering to the diverse needs of individual clients and small to mid-sized businesses. Its foundational offerings include a variety of checking and savings accounts. Beyond core deposit services, the bank provides an extensive portfolio of lending options, encompassing personal loans for homes and automobiles, various business financing such as term loans, lines of credit, equipment financing, and Small Business Administration (SBA) loans. It also specializes in multi-family, commercial, and owner-occupied real estate lending. The institution further supports its clients with credit and debit cards, sophisticated payable and receivable solutions, robust fraud prevention, and comprehensive cash management services. For businesses, it delivers merchant and payroll services, Paycheck Protection Program (PPP) solutions, and workplace benefit plans. Additional specialized services span foreign currency exchange, cashier's checks, wire transfers, overdraft protection, deposit and treasury services, alongside sophisticated wealth management offerings like trust and estate planning, investment and asset management, and retirement planning. Convenience is enhanced through its online and mobile banking platforms. The bank operates an extensive network of 115 branch locations strategically positioned across key Californian regions, including the Greater San Francisco, Sacramento, Los Angeles, and San Diego areas, as well as the Central Valley. Established in 1905, Mechanics Bank is headquartered in Walnut Creek, California.
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