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MCHBMCHBFinancial Services · Banks - Regional

MCHB Stock Forecast: Mechanics Bancorp Price Predictions for 2026-2027

Last close, 18 Sept 2026
$15
−0.19% on the day

The 3 Wall Street analysts covering Mechanics Bancorp hold a median 12-month price target of $18 — +13.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 65 of 100 as at 19 Sept 2026 — in the upper half.

Market cap
$3.4B
Ticker Nerd rank
65 / 100
Median analyst target
$18
Analysts covering
3
Revenue$201.0M+40.1% y/y
Net income$57.7M
Free cash flow$49.6M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+0.2%
1M
−6.7%
YTD
+15.0%
1Y
+24.1%
From 52W high
−8.9%
From 52W low
+31.7%
$12
$17
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

MCHB stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Mechanics Bancorp on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 19 Sept 2026
65 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Growth
100
Quality
97
Momentum
85
Revisions
61
Volatility
60
Issuance
46
Value
30
Size
28
Accruals
10

Growth (100): Sales and profits are climbing, and climbing faster than before.

Accruals (10): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

MCHB stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on MCHB, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$12$14$16$18Oct 25Jan 26Apr 26Jul 26MCHBHigh $18Median $18Low $17

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says3 analysts
2 Buy1 Hold0 Sell
Low $17Median $18High $18

The green dot is the last close — the median target sits +13.6% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
5 Aug 2026Keefe, Bruyette & WoodsMaintainsMarket Perform—
29 May 2026Raymond JamesInitiatesOutperform—
4 May 2026Keefe, Bruyette & WoodsMaintainsMarket Perform—
10 Apr 2026Cantor FitzgeraldInitiatesOverweight—
20 Oct 2025Keefe, Bruyette & WoodsMaintainsMarket Perform—
7 May 2025Keefe, Bruyette & WoodsMaintainsMarket Perform—
1 Apr 2025Piper SandlerMaintainsNeutral—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. MCHB appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

MCHB vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 18 Sept 2026, Mechanics Bancorp returned +24.1% against +16.3% for the S&P 500, dividends included.

MCHB vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130140Oct 25Jan 26Apr 26Jul 26MCHBS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

MCHB analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+1.0%
Analysts raising
2
Analysts cutting
0
Fundamentals

Mechanics Bancorp (MCHB) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
11.8×

Cheaper than 54% of US stocks

Price / sales
4.6×

Cheaper than 26% of US stocks

Price / book
1.3×

Cheaper than 62% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
35.7%

Higher than 81% of US stocks

Earnings growth (YoY)
35.8%

Higher than 69% of US stocks

Gross margin
—
Operating margin
46.8%

Higher than 95% of US stocks

Net margin
37.9%

Higher than 94% of US stocks

Returns & dividend
Return on equity
11.0%

Higher than 66% of US stocks

Return on assets
1.5%

Higher than 55% of US stocks

Dividend yield
3.2%

Higher than 67% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Mechanics Bancorp (MCHB) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Mechanics Bancorp has a market value of $3.4B and an enterprise value of $3.3B.

  • Revenue in the twelve months to 30 June 2026: $771.0M. The latest quarter grew 35.7% year on year.

  • Net income over the same four quarters: $281.3M, a 36.5% net margin.

  • Diluted earnings per share, trailing twelve months: $1.23.

  • Free cash flow in the twelve months to 30 June 2026: $183.7M.

  • Mechanics Bancorp spent $303.1M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 221.4M.

  • Trailing P/E: 11.8×; forward P/E: 12.9× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 3.25%, paying out 101% of earnings.

  • Mechanics Bancorp employs 1,756 people — $439K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 19 Sept 2026

Data provided by Twelve Data

Peers

MCHB vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
MCHBMechanics Bancorp$3.4B
65
FIBKFirst Interstate BancSystem, Inc.$3.6B
91
NICNicolet Bankshares, Inc.$3.6B
41
BANFBancFirst Corp. (Oklahoma)$3.6B
51
TOWNTownebank$3.4B
52
WSBCWesBanco, Inc.$3.8B
77
FFBCFirst Financial Bancorp (Ohio)$3.4B
47

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Mechanics Bancorp — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest MCHB news & analysis

Mechanics Bank Completes Sale of Substantial Majority of Runoff Auto Loan Portfolio to Bank of America

Business Wire · 16 Sept 2026neutral

Mechanics Bancorp's subsidiary, Mechanics Bank, completed the sale of approximately $417 million of its remaining performing indirect auto loans to Bank of America's trading desk at a price near book value, with an August 31, 2026 cutoff date. Mechanics Bank will retain about $13 million of runoff auto loans, and Westlake Portfolio Management will continue servicing the loans.

Why it matters — A Mechanics Bancorp watcher would care because the transaction materially reduces the size of the company's auto loan portfolio, shifting its balance-sheet composition and runoff profile.

Mechanics Bank (MCHB) Upgraded to Buy: What Does It Mean for the Stock?

Zacks Investment Research · 4 Sept 2026positive

Zacks Investment Research upgraded Mechanics Bank (MCHB) to a Zacks Rank #2 (Buy), reflecting growing optimism about its earnings prospects. The upgrade suggests the stock might move higher based on this improved outlook.

Why it matters — A MCHB watcher would care because the upgrade signals improved analyst sentiment about the bank's earnings potential, which could influence how investors view the stock.

Mechanics Bank (MCHB) Forms 'Hammer Chart Pattern': Time for Bottom Fishing?

Zacks Investment Research · 28 Aug 2026positive

Zacks Investment Research reports that Mechanics Bank (MCHB) has formed a hammer chart pattern after recent losses, which it says indicates the stock has found support. Combined with an upward trend in earnings estimate revisions, this could signal a near-term trend reversal.

Why it matters — A MCHB watcher would care because the report suggests the stock may have found support and could be poised for a trend reversal in the near term.

Mechanics Bancorp Declares Third Quarter 2026 Cash Dividend

Business Wire · 19 Aug 2026positive

Mechanics Bancorp announced a cash dividend of $0.25 per share of Class A common stock and $2.50 per share of Class B common stock, payable on September 1, 2026, to shareholders of record as of August 29, 2026.

Why it matters — MCHB watchers would care because the declaration confirms the company's ongoing distribution of cash to shareholders.

Mechanics Bancorp (MCHB) Q2 2026 Earnings Call Transcript

Seeking Alpha · 29 July 2026neutral

Mechanics Bancorp (MCHB) published the transcript of its Q2 2026 earnings call on Seeking Alpha.

Why it matters — The transcript gives MCHB watchers direct access to management's commentary on quarterly results and the company's outlook.

FAQ

Frequently asked questions about MCHB stock

What is the MCHB stock price forecast for 2026-2027?

The 3 Wall Street analysts covering Mechanics Bancorp have a median 12-month price target of $18, with estimates ranging from $17 to $18. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is MCHB stock a buy right now?

Of the 3 analysts covering Mechanics Bancorp, 2 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Mechanics Bancorp 65 out of 100 across roughly 4,600 US stocks as at 19 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank MCHB?

As at 19 Sept 2026, Mechanics Bancorp ranks 65 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Growth (100 of 100).

Will MCHB stock go up?

No one can know that. What the data says: the median 12-month target from 3 analysts implies +13.6% from the last close, and Ticker Nerd's factor model ranks Mechanics Bancorp 65 out of 100 as at 19 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the MCHB stock forecast for 2030?

No analyst covering Mechanics Bancorp publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for MCHB are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $17 to $18 over the next 12 months.

How has MCHB stock performed over the past year?

Mechanics Bancorp returned +24.1% over the 12 months to 18 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Mechanics Bancorp do?

Mechanics Bank is a regional financial institution providing a comprehensive range of banking services. Established in 1905 and headquartered in Walnut Creek, California, the bank primarily serves individual consumers, small businesses, and communities across various counties in Northern California.

What is the latest news on MCHB?

The most recent item we track (Business Wire, 16 Sept 2026): "Mechanics Bank Completes Sale of Substantial Majority of Runoff Auto Loan Portfolio to Bank of America". Mechanics Bancorp's subsidiary, Mechanics Bank, completed the sale of approximately $417 million of its remaining performing indirect auto loans to Bank of America's trading desk at a price near book value, with an August 31, 2026 cutoff date. Mechanics Bank will retain about $13 million of runoff auto loans, and Westlake Portfolio Management will continue servicing the loans.

Company

About Mechanics Bancorp.

Mechanics Bank is a regional financial institution providing a comprehensive range of banking services. Established in 1905 and headquartered in Walnut Creek, California, the bank primarily serves individual consumers, small businesses, and communities across various counties in Northern California. Mechanics Bank offers an array of financial products, including personal and business checking and savings accounts, mortgage and business loans, and investment and wealth management services. It positions itself as a community bank with a focus on personalized customer service and local decision-making. The bank plays a crucial role in supporting economic activities within the regions it operates, contributing to the financial well-being and growth of local communities. Through its network of branches and digital banking platforms, Mechanics Bank aims to provide accessible, convenient, and secure financial solutions to its clients.

CEO Mr. C. J. Johnson · 1,756 employees · United States · https://www.mechanicsbank.com