Mechanics Bancorp(MCHB)Stock Analysis
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Rank #2,374 of 2,879 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
MCHB Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Mechanics Bancorp (MCHB), a Financials sector company. 13F Pro's AI-powered ranking engine scores MCHB at 30.0/100 on a 32-signal composite quality model, placing it at rank #2,374 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include institutional flow (8.6) and revenue growth (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 15.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Mechanics Bancorp reports quarterly revenue of $200.1M, net income of $44.1M, an operating margin of 30.9%. Top institutional holders of MCHB by reported 13-F value include BlackRock,, Mechanics Bank Department, VANGUARD CAPITAL MANAGEMENT, 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.
Revenue
Q1 2026
$200.1M
Net Income
Q1 2026
$44.1M
Free Cash Flow
Q1 2026
$8.8M
Operating Margin
Q1 2026
30.9%
D/E Ratio
Q1 2026
0.05
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
Net Income
+205.4% YoYEPS (Diluted)
+109.6% YoYTotal Assets
+75.6% YoYTotal Debt
-49.2% YoYOp. Cash Flow
+3542.4% YoY| Metric | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|
| Revenue | $48.1M | — | — | — | — | — |
| Net Income | $29.0M +205.4% | $-27.5M -141.3% | $66.5M -42.4% | $115.4M +559.1% | $17.5M -56.2% | $40.0M |
| EPS (Diluted) | $0.14 +109.6% | $-1.46 -141.8% | $3.49 -36.1% | $5.46 +740.0% | $0.65 -55.8% | $1.47 |
| Total Assets | $16.49B +75.6% | $9.39B +0.3% | $9.36B +30.0% | $7.20B +5.7% | $6.81B -3.3% | $7.04B |
| Total Debt | $1.00B -49.2% | $1.97B +58.8% | $1.24B +642.6% | $167.0M -72.0% | $597.2M +376.0% | $125.5M |
| Operating Cash Flow | $292.3M +3542.4% | $8.0M -96.3% | $218.3M +26.2% | $173.0M -33.1% | $258.8M -9.5% | $286.0M |
AI Insight: MCHB Financial Trends
Mechanics Bancorp achieved profitability turnaround with $150M net income in Q3 2025 after sustained losses, while dramatically reducing debt from $2,111M to $129M.
• Net income swung from consistent losses to $150M profit in Q3 2025, followed by $124M and $44M in subsequent quarters.
• Total debt collapsed from $2,111M in Q2 2024 to $129M in Q1 2026, representing a 94% reduction.
• Equity surged from $397M in Q4 2024 to $2,791M in Q1 2026 following the profitability recovery.
⚠ Operating cash flow turned negative to $11M in Q1 2026 after positive $112M and $114M in prior quarters.
⚠ Net income declined from $150M peak in Q3 2025 to $44M in Q1 2026, showing momentum deceleration.
AI Insight: MCHB Ratio Trends
MCHB completed a dramatic turnaround from massive Q4 2024 losses to sustained profitability, with ROE recovering to 6.3% in Q1 2026.
• ROE swung from -122.6% in Q4 2024 to positive territory by Q3 2025, reaching 6.3% in Q1 2026.
• Debt-to-equity ratio plummeted from 3.14 in Q2 2025 to 0.05 in Q1 2026, indicating significant deleveraging.
• ROIC turned positive in Q3 2025 at 23.6% but moderated to 8.5% in the latest quarter.
⚠ Profitability metrics declined sequentially from Q3 2025 highs, with ROE dropping from 21.7% to 6.3%.
⚠ TTM ROE of 11.3% suggests underlying earning power remains above recent quarterly run-rate.
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Available Research
13F Pro tracks comprehensive data for Mechanics Bancorp including:
Top Institutional Holders of MCHB
BlackRock, Inc.
$50.5M3,426,564 shMechanics Bank Trust Department
$34.0M2,301,961 shVANGUARD CAPITAL MANAGEMENT LLC
$30.7M2,080,439 shSTATE STREET CORP
$25.2M1,710,425 shGEODE CAPITAL MANAGEMENT, LLC
$21.0M1,420,519 shMiracle Mile Advisors, LLC
$16.5M1,115,781 shBank of New York Mellon Corp
$16.2M1,098,400 shDIMENSIONAL FUND ADVISORS LP
$11.4M773,368 shJ. Goldman & Co LP
$10.1M684,185 shGOLDMAN SACHS GROUP INC
$10.0M680,535 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $50.5M | 3,426,564 |
| Mechanics Bank Trust Department | $34.0M | 2,301,961 |
| VANGUARD CAPITAL MANAGEMENT LLC | $30.7M | 2,080,439 |
| STATE STREET CORP | $25.2M | 1,710,425 |
| GEODE CAPITAL MANAGEMENT, LLC | $21.0M | 1,420,519 |
| Miracle Mile Advisors, LLC | $16.5M | 1,115,781 |
| Bank of New York Mellon Corp | $16.2M | 1,098,400 |
| DIMENSIONAL FUND ADVISORS LP | $11.4M | 773,368 |
| J. Goldman & Co LP | $10.1M | 684,185 |
| GOLDMAN SACHS GROUP INC | $10.0M | 680,535 |
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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.
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.