MCHB

Mechanics Bancorp

15.12

Nov 05 • 10:29 AM ET +0.09 (0.60%)

Financial Banks - Regional USA Mid NASD

Peers: BANC CVBF WAFD CATY COLB TCBK WABC HOPE EWBC WAL

| Held by: IWM VTI DES KRE VXF IWN VTWO SCHA PSC DHS

Index	RUT
Market Cap	3.50B
Enterprise Value	-
Income	272.08M
Sales	1.03B
Book/sh	11.09
Cash/sh	-
Dividend Est.	1.77 (11.72%)
Dividend TTM	1.56 (10.32%)
Dividend Ex-Date	Aug 28, 2026
Dividend Gr. 3/5Y	-46.87% -18.94%
Payout	17.29%
Employees	1921
IPO	Feb 10, 2012

P/E	12.79
Forward P/E	13.84
PEG	1.07
P/S	3.41
P/B	1.36
P/C	-
P/FCF	13.03
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.04
Debt/Eq	0.08
LT Debt/Eq	0.08
Option/Short	Yes / Yes

EPS (ttm)	1.18
EPS next Y	1.09
EPS next Q	0.26
EPS this Y	22.42%
EPS next Y	8.17%
EPS next 5Y	12.99%
EPS past 3/5Y	-29.69% -18.92%
Sales past 3/5Y	35.16% 17.92%
EPS Y/Y TTM	117.54%
Sales Y/Y TTM	131.34%
EPS Q/Q	-25.31%
Sales Q/Q	-0.75%
Earnings	Oct 28 AMC
EPS/Sales Surpr.	-20.39% -18.92%

Insider Own	87.85%
Insider Trans	-0.00%
Inst Own	10.79%
Inst Trans	-1.48%
ROA	1.25%
ROE	10.19%
ROIC	9.80%
Gross Margin	-
Oper. Margin	30.61%
Profit Margin	26.49%
SMA20	2.84%
SMA50	0.46%
SMA200	-0.83%
Trades

Shs Outstand	220.36M
Shs Float	28.13M
Short Float	14.16%
Short Ratio	7.52
Short Interest	3.98M
52W High	17.38 -12.98%
52W Low	13.02 16.13%
Volatility	2.74% 2.35%
ATR (14)	0.36
RSI (14)	55.19
Beta	1.41
Rel Volume	0.40
Avg Volume	529.95K
Volume	41,348

Perf Week	3.07%
Perf Month	3.49%
Perf Quarter	-9.13%
Perf Half Y	3.42%
Perf YTD	3.35%
Perf Year	14.29%
Perf 3Y	138.11%
Perf 5Y	-69.16%
Perf 10Y	-44.10%
Recom	2.25
Target Price	16.12
Prev Close	15.03
Price	15.12
Change %	0.60%

Consensus

Buy

Avg. Price Target

$16.12

Implied Upside

+6.6%

Analysts9incl. previous ratings

Rating Distribution4 Buy · 5 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Sep 18, 2026	Initiated	SStephens	Equal-Weight	$17	+12.4%
May 29, 2026	Initiated	RRaymond James	Outperform	$17	+12.4%
Apr 10, 2026	Initiated	CCantor Fitzgerald	Overweight	$17	+12.4%
Apr 01, 2025	Upgrade	JJanney	Neutral → Buy
Nov 05, 2024	Upgrade	WWedbush	Neutral → Outperform	$12	-20.6%
Jun 20, 2024	Upgrade	JJanney	Neutral → Buy	$13.50	-10.7%
Apr 26, 2023	Downgrade	WWedbush	Outperform → Neutral	$21 → $12	-20.6%
Feb 01, 2023	Upgrade	PPiper Sandler	Underweight → Neutral	$24 → $28	+85.2%
Jan 31, 2023	Downgrade	KKeefe Bruyette	Outperform → Mkt Perform	$38 → $29	+91.8%
Jun 14, 2022	Downgrade	RB. Riley Securities	Buy → Neutral	$55 → $43	+184.4%
May 05, 2022	Downgrade	PPiper Sandler	Neutral → Underweight	$52 → $40	+164.6%
Nov 10, 2021	Upgrade	WWedbush	Neutral → Outperform	$49 → $63	+316.7%
Mar 08, 2021	Downgrade	DDA Davidson	Buy → Neutral	$43 → $49	+224.1%
Oct 28, 2020	Reiterated	RB. Riley Securities	Buy	$34 → $36	+138.1%
Oct 02, 2020	Upgrade	KKeefe Bruyette	Mkt Perform → Outperform	$33 → $39	+157.9%
Jun 25, 2020	Initiated	WWedbush	Neutral	$28	+85.2%
Mar 16, 2020	Upgrade	DDA Davidson	Neutral → Buy	$29 → $27	+78.6%
Feb 07, 2020	Resumed	PPiper Sandler	Neutral	$35	+131.5%
Aug 16, 2019	Upgrade	DDA Davidson	Underperform → Neutral	$27	+78.6%
Jul 10, 2019	Downgrade	DDA Davidson	Neutral → Underperform

Oct-29-26 05:15PM	Mechanics Bancorp Beats On Cost Saves And Raises Dividend Outlook, But Rate Pressure Forces A Cut To 2027 Profitability Targets (Earnings Whispers)
Oct-28-26 04:37PM	Mechanics Bank: Q3 Earnings Snapshot (Associated Press)
04:15PM	Mechanics Bancorp Reports Third Quarter 2026 Results (Business Wire)
Oct-20-26 05:20PM	Mechanics Bancorp Needs HomeStreet Cost Savings To Outrun Rising Deposit Costs (Earnings Whispers)
Oct-14-26 04:15PM	Mechanics Bancorp Announces Date of Third Quarter 2026 Earnings Release and Conference Call (Business Wire)
06:18PM	Loading…
Sep-16-26 06:18PM	Mechanics Bank Completes Sale of Substantial Majority of Runoff Auto Loan Portfolio to Bank of America (Business Wire)
Aug-19-26 05:59PM	Mechanics Bancorp Declares Third Quarter 2026 Cash Dividend (Business Wire)
Aug-06-26 01:59AM	Community Bank Earnings Expose Diverging Multifamily Risks (CRE Daily)
Jul-29-26 05:45AM	Mechanics Bancorp Reports Second Quarter 2026 Results (Business Wire)
Jul-15-26 04:15PM	Mechanics Bancorp Announces Date of Second Quarter 2026 Earnings Release and Conference Call (Business Wire)
May-13-26 04:25PM	Mechanics Bancorp Declares Cash Dividend (Business Wire)
May-07-26 08:00AM	Mechanics Bank Completes Sale of Fannie Mae Delegated Underwriting and Servicing Business Line to Fifth Third Bank (Business Wire)
May-01-26 03:16AM	Mechanics Bancorp (MCHB) Q1 2026 Earnings Call Highlights: Strong Core Net Income and Strategic ... (GuruFocus.com)
Apr-30-26 05:57AM	Mechanics Bank: Q1 Earnings Snapshot (Associated Press)
05:45AM	Mechanics Bancorp Reports First Quarter 2026 Results (Business Wire)
09:22AM	Loading…
Apr-29-26 09:22AM	What To Expect From Mechanics Bancorp (MCHB) Q1 2026 Earnings (GuruFocus.com)
Apr-16-26 04:15PM	Mechanics Bancorp Announces Date of First Quarter 2026 Earnings Release and Conference Call (Business Wire)
Feb-27-26 04:30PM	Mechanics Bancorp Declares Cash Dividend (Business Wire) -5.06%
Jan-30-26 06:00PM	Mechanics Bancorp (MCHB) Q4 2025 Earnings Call Highlights: Strong Core Net Income and Strategic ... (GuruFocus.com)
06:06AM	Mechanics Bank: Q4 Earnings Snapshot (Associated Press Finance)
05:45AM	Mechanics Bancorp Reports Fourth Quarter and Full Year 2025 Results (Business Wire)
Jan-16-26 07:15AM	Mechanics Bancorp Announces Date of Fourth Quarter 2025 Earnings Release and Conference Call (Business Wire)
Dec-10-25 05:22PM	KBRA Assigns Ratings to Mechanics Bancorp; Upgrades and Subsequently Withdraws Ratings for HomeStreet, Inc. (Business Wire)
Dec-09-25 04:10PM	Mechanics Bank Agrees to Sell Fannie Mae Delegated Underwriting and Servicing Business Line to Fifth Third (Business Wire)
Nov-26-25 04:39PM	Mechanics Bancorp Declares Cash Dividend (Business Wire)
Oct-31-25 05:05PM	Mechanics Bancorp (MCHB) Q3 2025 Earnings Call Highlights: Strong Net Income and Strategic ... (GuruFocus.com)
Oct-30-25 05:31PM	Mechanics Bank: Q3 Earnings Snapshot (Associated Press Finance)
05:19PM	Mechanics Bancorp Reports Third Quarter 2025 Results Following Completion of Merger with HomeStreet Bank (Business Wire)
Oct-29-25 08:40AM	Stock Yards Bancorp (SYBT) Q3 Earnings and Revenues Top Estimates (Zacks)
Oct-28-25 08:33AM	FirstSun to acquire First Foundation in $785M deal (Banking Dive)
07:25AM	Loading…
07:25AM	Amerant Bancorp Inc. (AMTB) Misses Q3 Earnings Estimates (Zacks)
Oct-23-25 06:05PM	National Bankshares (NKSH) Q3 Earnings and Revenues Surpass Estimates (Zacks)
Oct-22-25 05:45PM	TowneBank (TOWN) Q3 Earnings Top Estimates (Zacks)
Oct-16-25 04:29PM	Mechanics Bancorp Announces Date of Third Quarter 2025 Earnings Release and Conference Call (Business Wire)
Oct-15-25 09:10AM	Bank7 (BSVN) Beats Q3 Earnings and Revenue Estimates (Zacks)
Sep-02-25 08:00AM	Mechanics Bank Completes Strategic Merger with HomeStreet, Inc. (Business Wire) -7.79%
Aug-19-25 08:30AM	Mechanics Bank and HomeStreet, Inc. Receive Regulatory Approvals for Pending Strategic Merger (Business Wire)
Jul-28-25 07:30PM	HomeStreet (HMST) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates (Zacks)
06:20PM	HomeStreet (HMST) Reports Q2 Loss, Tops Revenue Estimates (Zacks)
05:18PM	HomeStreet: Q2 Earnings Snapshot (Associated Press Finance)
04:03PM	HomeStreet Reports Second Quarter 2025 Results (Business Wire)
Jul-24-25 09:15AM	Berkshire Hills Bancorp (BHLB) Tops Q2 Earnings and Revenue Estimates (Zacks)
Apr-28-25 08:00PM	HomeStreet (HMST) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
05:20PM	Northwest Bancshares (NWBI) Surpasses Q1 Earnings and Revenue Estimates (Zacks)
05:20PM	HomeStreet (HMST) Reports Q1 Loss, Tops Revenue Estimates (Zacks)
04:17PM	HomeStreet: Q1 Earnings Snapshot (Associated Press Finance)
04:03PM	HomeStreet Reports First Quarter 2025 Results (Business Wire)
Apr-24-25 06:15PM	Provident Financial (PFS) Surpasses Q1 Earnings Estimates (Zacks)
Apr-17-25 02:35AM	HomeStreet: Loan Portfolio Repositioning To Support Profitability, Sustainability, And Upside (Seeking Alpha)
Apr-09-25 04:30AM	Bank M&A Activity Rebounds In March, Pushing Q1 2025 Total Deal Value To $1.61B (Seeking Alpha)
Apr-01-25 10:13AM	Mechanics Bank, HomeStreet agree on merger (Retail Banker International)
08:37AM	HomeStreet to merge with Californias Mechanics Bank (Banking Dive)
08:21AM	HomeStreet (HMST) Surges 26.2%: Is This an Indication of Further Gains? (Zacks)
Mar-31-25 04:52PM	HomeStreet Tries Again: Merger With Mechanics Bank May Be The Turning Point (Seeking Alpha) +26.24%
07:00AM	Mechanics Bank and HomeStreet, Inc. Announce Strategic Merger (Business Wire)
Mar-17-25 01:19PM	Why HomeStreet (HMST) Is Plunging in 2025? (Insider Monkey)
Mar-04-25 08:32AM	Do Options Traders Know Something About HomeStreet (HMST) Stock We Don't? (Zacks)
Feb-13-25 12:13AM	Is HomeStreet, Inc. (HMST) the Worst Performing Bank Stock in 2024? (Insider Monkey)
Feb-05-25 04:25AM	HomeStreet, Inc. (HMST): An Oversold Bank Stock to Buy Right Now (Insider Monkey)
Jan-31-25 02:09AM	HomeStreet Inc (HMST) Q4 2024 Earnings Call Highlights: Navigating Challenges with Strategic ... (GuruFocus.com)
Jan-29-25 03:08AM	Q4 2024 HomeStreet Inc Earnings Call (Thomson Reuters StreetEvents)
Jan-27-25 05:25PM	HomeStreet (HMST) Reports Q4 Loss, Misses Revenue Estimates (Zacks)
04:37PM	HomeStreet: Q4 Earnings Snapshot (Associated Press Finance)
04:04PM	HomeStreet Reports Year End and Fourth Quarter 2024 Results (Business Wire)
07:07AM	HomeStreet Inc (HMST) Q4 2024: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Jan-24-25 07:05AM	HomeStreet Inc (HMST) Q4 2024 Earnings Report Preview: What To Expect (GuruFocus.com)
Jan-22-25 09:15AM	Insights Into HomeStreet (HMST) Q4: Wall Street Projections for Key Metrics (Zacks)
Jan-20-25 10:00AM	Earnings Preview: HomeStreet (HMST) Q4 Earnings Expected to Decline (Zacks)
Jan-13-25 01:44PM	HomeStreet Schedules Fourth Quarter 2024 Analyst Earnings Call for Tuesday, January 28, 2025 (Business Wire)
Jan-10-25 09:35AM	HomeStreet (HMST) Loses -13.39% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner (Zacks)
Jan-03-25 07:23AM	Bank of America buys $990M in multifamily loans from HomeStreet (Banking Dive)
Dec-31-24 06:00AM	HomeStreet Closes Sale of $990 Million in Multi-Family Loans (Business Wire)
Dec-27-24 09:24AM	Bank of America to Buy $990 Million of Multifamily Loans From HomeStreet (Bloomberg)
08:35AM	HomeStreet Bank offloads $990 million multifamily loans to BofA in profit push (Reuters)
08:16AM	HomeStreet Enters Into Agreement to Sell $990 Million in Multi-Family Loans (Business Wire)
Nov-20-24 03:50AM	FirstSun, HomeStreet terminate merger (Banking Dive)
Oct-31-24 08:27AM	FirstSun looks to alter HomeStreet deal again (Banking Dive)
04:52AM	Q3 2024 HomeStreet Inc Earnings Call (Thomson Reuters StreetEvents)
03:16AM	HomeStreet Inc (HMST) Q3 2024 Earnings Call Highlights: Navigating Losses Amid Strategic ... (GuruFocus.com)
Oct-30-24 01:31PM	Homestreet Shares Tumble 33% After Regulators Halt Firstsun Merger Application (GuruFocus.com) -34.91%
Oct-29-24 05:50PM	HomeStreet (HMST) Reports Q3 Loss, Lags Revenue Estimates (Zacks)
05:37PM	FirstSun Capital Bancorp and HomeStreet, Inc. Provide Update on Status of Strategic Merger (Business Wire)
05:06PM	HomeStreet Schedules Third Quarter 2024 Analyst Earnings Call for Wednesday, October 30, 2024 (Business Wire)
04:57PM	HomeStreet: Q3 Earnings Snapshot (Associated Press Finance)
04:35PM	HomeStreet Reports Third Quarter 2024 Results (Business Wire)
Jul-29-24 09:53PM	HMST Stock Earnings: HomeStreet Beats EPS, Beats Revenue for Q2 2024 (InvestorPlace)
07:00PM	Compared to Estimates, HomeStreet (HMST) Q2 Earnings: A Look at Key Metrics (Zacks)
05:30PM	HomeStreet (HMST) Reports Q2 Loss, Misses Revenue Estimates (Zacks)
04:26PM	HomeStreet: Q2 Earnings Snapshot (Associated Press Finance)
04:03PM	HomeStreet Reports Second Quarter 2024 Results (Business Wire)
Jul-19-24 10:00AM	Analysts Estimate HomeStreet (HMST) to Report a Decline in Earnings: What to Look Out for (Zacks)
Jun-27-24 10:30AM	Blue Lion Capital Encourages HomeStreet Board to Remove Management Team Change in Control Payments as Part of FSUN Merger (PR Newswire)
Jun-20-24 09:54AM	Spirit Aero downgraded, Skyworks upgraded: Wall Street's top analyst calls (The Fly)
Jun-18-24 04:46PM	HomeStreet Announces Approval of Merger with FirstSun (Business Wire)
Jun-07-24 08:32AM	Implied Volatility Surging for HomeStreet (HMST) Stock Options (Zacks)
May-06-24 08:21AM	FirstSun, HomeStreet seek charter change for merger (Banking Dive)
May-03-24 01:11PM	FirstSun to switch regulators due to delays tied to HomeStreet deal (American Banker)
Apr-30-24 10:52PM	HMST Stock Earnings: HomeStreet Misses EPS, Misses Revenue for Q1 2024 (InvestorPlace) -10.45%
07:30PM	Compared to Estimates, HomeStreet (HMST) Q1 Earnings: A Look at Key Metrics (Zacks)
06:35PM	HomeStreet Inc (HMST) Reports Q1 2024 Earnings: A Detailed Financial Overview (GuruFocus.com)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Downer Edward Michael	Director	Jun 15 '26	Sale	15.13	2	30	1,121,268	Jun 17 06:41 PM
Cochran Patricia	Director	May 27 '26	Option Exercise	0.00	3,301	0	13,204	May 29 07:08 PM
Downer Douglas E	Director	May 27 '26	Option Exercise	0.00	3,301	0	2,317,764	May 29 07:07 PM
Wilcox Jon R	Director	May 27 '26	Option Exercise	0.00	3,301	0	13,204	May 29 07:04 PM
Crowe Adrienne Y	Director	May 27 '26	Option Exercise	0.00	3,301	0	13,204	May 29 07:00 PM
Downer Edward Michael	Director	May 27 '26	Option Exercise	0.00	3,301	0	1,511,898	May 29 06:59 PM

Mechanics Bancorp is a financial holding company, which engages in the provision of commercial and consumer banking and real estate lending services. The company was founded in 1921 and is headquartered in Walnut Creek, CA.

Executive ChairmanMr. Carl B. Webb

President & CEOMr. C. J. Johnson

Executive VP & CFOMr. Nathan J. Duda

Executive VP & Chief Credit Officer of Mechanics BankMr. Scott A. Givans

Executive VP & COOMr. Christopher D. Pierce

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MCHB

Mechanics Bancorp

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