Mechanics Bancorp(MCHB)Stock Analysis
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Rank #368 of 2,961 stocksTOP 25%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
Unusual Activity in MCHB
Events flagged as statistical outliers against MCHB's own multi-year baseline — not fixed dollar thresholds.
- Score shock2026-08-07
MCHB quality score jumped 15 points (30→45) on a new filing
View source filing →
MCHB Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for Mechanics Bancorp (MCHB), a Financials sector company. 13F Pro's AI-powered ranking engine scores MCHB at 67.4/100 on a 32-signal composite quality model, placing it at rank #368 of 2,961 stocks — the top 25% of the AI-ranked universe. MCHB scores in the top quartile across revenue growth (97.8), profitability (92.9). Areas of concern include institutional flow (4.5) and earnings quality (21.8), which score below median versus the broader universe. Shareholder dilution risk is elevated at 15.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Mechanics Bancorp reports quarterly revenue of $201.0M, net income of $57.7M, an operating margin of 39.4%. Top institutional holders of MCHB by reported 13-F value include BlackRock, Mechanics Bank Department, STATE STREET, based on the most recent SEC filings. MCHB trades on the Nasdaq exchange and files with the SEC under CIK 1518715. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate MCHB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Mechanics Bancorp directly from SEC EDGAR. Mechanics Bancorp's 13F Pro composite quality score has ranged between 35 and 67 since 2026, currently 67.4 — an improving long-term trajectory across 29 quarterly and live scoring snapshots.
What's Driving MCHB's Business? Latest 10-Q Breakdown
AI-extracted from Mechanics Bancorp's 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Mechanics Bancorp reported Q2 2026 net income of $57.7M on $13.6M in total revenue (discrete quarter), with a 3.62% net interest margin and $13.6B in loan receivables.
Biggest Revenue Drivers
Decreased due to lower average interest-earning assets of $468.4M, partially offset by lower interest expense on certificates of deposit.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q2 2026
$201.0M
Net Income
Q2 2026
$57.7M
Free Cash Flow
Q2 2026
$49.6M
Operating Margin
Q2 2026
39.4%
ROIC
Q2 2026
10.9%
D/E Ratio
Q2 2026
0.08
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+1580.2% YoYNet Income
+816.4% YoYEPS (Diluted)
+807.1% YoYTotal Assets
+35.5% YoYTotal Debt
-80.8% YoYOp. Cash Flow
-33.8% YoYFree Cash Flow
-34.6% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $808.6M +1580.2% | $48.1M -76.9% | $208.7M -26.7% | $284.9M -17.9% | $347.0M -3.1% | $358.0M |
| Net Income | $265.7M +816.4% | $29.0M +205.4% | $-27.5M -141.3% | $66.5M -42.4% | $115.4M +44.3% | $80.0M |
| EPS (Diluted) | $1.27 +807.1% | $0.14 +109.6% | $-1.46 -141.8% | $3.49 -36.1% | $5.46 +57.3% | $3.47 |
| Total Assets | $22.35B +35.5% | $16.49B +75.6% | $9.39B +0.3% | $9.36B +30.0% | $7.20B -0.5% | $7.24B |
| Total Debt | $192.0M -80.8% | $1.00B -49.2% | $1.97B +58.8% | $1.24B +642.6% | $167.0M -62.8% | $448.6M |
| Operating Cash Flow | $193.6M -33.8% | $292.3M +3542.4% | $8.0M -96.3% | $218.3M +26.2% | $173.0M +777.4% | $-25.5M |
| Free Cash Flow | $187.1M -34.6% | $285.9M +6685.9% | $4.2M -98.0% | $211.5M +24.4% | $170.1M +689.7% | $-28.8M |
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13F Pro tracks comprehensive data for Mechanics Bancorp including:
Top Institutional Holders of MCHB
BlackRock, Inc.
$49.0M3,082,045 shMechanics Bank Trust Department
$35.7M2,242,540 shSTATE STREET CORP
$27.4M1,722,446 shVANGUARD CAPITAL MANAGEMENT LLC
$26.2M1,649,674 shGEODE CAPITAL MANAGEMENT, LLC
$21.9M1,377,662 shGW&K Investment Management, LLC
$21.6M1,360,299 shMiracle Mile Advisors, LLC
$17.7M1,115,781 shBank of New York Mellon Corp
$17.3M1,088,061 shDIMENSIONAL FUND ADVISORS LP
$12.1M761,455 shCHARLES SCHWAB INVESTMENT MANAGEMENT INC
$8.5M532,287 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $49.0M | 3,082,045 |
| Mechanics Bank Trust Department | $35.7M | 2,242,540 |
| STATE STREET CORP | $27.4M | 1,722,446 |
| VANGUARD CAPITAL MANAGEMENT LLC | $26.2M | 1,649,674 |
| GEODE CAPITAL MANAGEMENT, LLC | $21.9M | 1,377,662 |
| GW&K Investment Management, LLC | $21.6M | 1,360,299 |
| Miracle Mile Advisors, LLC | $17.7M | 1,115,781 |
| Bank of New York Mellon Corp | $17.3M | 1,088,061 |
| DIMENSIONAL FUND ADVISORS LP | $12.1M | 761,455 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $8.5M | 532,287 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
Is MCHB a good stock to buy?
13F Pro's AI-powered analysis of Mechanics Bancorp (MCHB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for MCHB are available on the MCHB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. MCHB is classified as a small company.
Which hedge funds own MCHB?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling MCHB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Mechanics Bancorp's investment landscape.