Insider buying last 90 days
No open-market insider purchases were filed for MCHB in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every MCHB insider filing, plotted on the chart in Gekko.Open MCHB in Gekko
NASDAQ: MCHB
Mechanics Bancorp (MCHB) Stock Analysis & Forecast
Oct 12 close
$14.38+0.12 (+0.8%)
Gekko Brief
AI summaryOct 12 closeMechanics Bancorp (MCHB) closed at $14.38, up 0.8% on the day, with its trend mixed as the price sits between its 50-day average of $15.75 and its 200-day average of $15.24. The GekkoIndex reads 73, placing the stock in the Buying zone, while price sits 11.6% below Gekko Fair Value of $16.27.
Mechanics Bancorp next reports earnings on 29 October 2026, before the open, 17 days away and within a typical 20-trading-day holding window; the last print beat estimates ($0.27 versus $0.25) and drew a 4.8% reaction, versus an average absolute reaction of 6.3% over past quarters, with beats in 3 of the last 8 quarters. Seasonality over this stretch has averaged -7.5% across 5 years, rising in only 1 of them. Two analysts cover the stock, split between one buy and one hold, with a consensus target of $17.00 implying 18.2% upside. No insider, Congress or unusual options activity appears in the current windows.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Mechanics Bancorp price vs fair value
Close $14.38200-day averageGekko Fair Value $16.27
Mechanics Bancorp quick facts
- Market cap
- $3.17B
- P/E ratio
- 11.3
- Forward P/E
- —
- EPS, TTM
- $1.28
- Revenue, TTM
- $742.5M
- Profit margin
- 37.9%
- Dividend yield
- 8.97%
- Beta
- 0.14
- Volume
- 499,699 avg 552,675
- 1-year return
- +6.8%
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±7.8%
- 50-day average
- $15.75
- 200-day average
- $15.24
- Next earnings
- Oct 29 before open
- Shares outstanding
- 220.3M
Mechanics Bancorp swing-trade checklist
Mechanics Bancorp scores 2 supportive, 1 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive1 mixed2 headwinds
- Trendmixed
Averages disagree
Close $14.38 sits between the 50-day ($15.75) and 200-day ($15.24) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
73, Buying
Reading 73 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
11.6% below
Price is 11.6% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 17 days
Reports on Oct 29, 2026, 17 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−7.5% on average
From this point in the calendar, the next 20 trading days averaged −7.5% over 5 years, rising in 1 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Mechanics Bancorp stock chart and price history
Mechanics Bancorp closed at $14.38 on Oct 12, 2026, +6.8% over the past year, inside a 52-week range of $12.82 to $17.38.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −6.4%
- 3 months
- −10.6%
- 6 months
- −3.5%
- 1 year
- +6.8%
The full MCHB chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open MCHB in Gekko
Follow Mechanics Bancorp through every session
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About Mechanics Bancorp
Mechanics Bancorp runs a bank that works with everyday customers and with smaller companies, providing the usual checking and savings accounts people rely on for day-to-day banking. Alongside these deposit products, it extends credit in many forms, from home and vehicle loans for individuals to term loans, credit lines, and equipment funding for companies, including loans backed by the Small Business Administration. The bank also has a focus on real estate financing, handling deals involving multi-family housing, commercial properties, and buildings occupied by their owners.
Its services extend into cards, treasury and cash handling tools, and systems built to catch fraud, while companies can turn to it for payroll handling, merchant processing, and benefit programs for their staff. The bank rounds out its offerings with currency exchange, wire payments, overdraft coverage, and wealth-related services such as estate planning, managed investments, and retirement planning. Account access comes through digital and mobile tools, and the bank reaches customers through 115 branches spread across parts of California, touching the San Francisco Bay Area, Sacramento, Los Angeles, San Diego, and the Central Valley.
The bank traces its founding back to 1905 and is based in Walnut Creek, California. Mechanics Bancorp is listed on the NASDAQ under the ticker MCHB.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Regional banks
- Website
- mechanicsbank.com
Mechanics Bancorp GekkoIndex: the smart money zone
Mechanics Bancorp’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 73, in the Buying zone, up 4 points over five sessions.
73Buying
Up 4 points over five sessions, from the Accumulation zone.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying (current zone) | 93 | +1.2% | +6.6% | ||
| Accumulation | 178 | −0.2% | −0.4% | ||
| Neutral | 348 | +0.3% | +0.1% | ||
| Distribution | 59 | −0.3% | +2.2% | ||
| Selling | 4 | Too few readings yet | |||
Average MCHB share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.1% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the MCHB price, zone by zone.Track MCHB in Gekko
Is Mechanics Bancorp stock overvalued? Gekko Fair Value
Mechanics Bancorp trades 11.6% below Gekko Fair Value of $16.27, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Mechanics Bancorp shares are worth, recalculated every trading day.
$16.27
Gekko Fair Value, Oct 10, 2026
11.6% Undervalued
At the end of Aug 2026 the price was 8.9% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open MCHB in Gekko
Mechanics Bancorp insider and Congress trading
No open-market insider purchases were filed for Mechanics Bancorp, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in MCHB were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for MCHB, plotted on the chart in Gekko.Open MCHB in Gekko
Buybacks
Mechanics Bancorp has been buying back its own shares.
- Bought back, quarter ended Mar 31, 2022
- $75.00M
- As a share of market cap
- 2.37%
- Trailing four quarters
- $134.2M
From company filings.
Mechanics Bancorp earnings: next date and track record
Mechanics Bancorp reports on Oct 29, 2026, before the open (17 days away), and beat the EPS estimate in 3 of its last 8 reports.
Next earnings report
Oct 29, 2026
Expected before the open, 17 days away
- EPS estimate
- $0.28
- Revenue estimate
- $199.6M
3 of 8reports beat the EPS estimate
±6.3%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 29, 2026 AI summary
- What they said
- Mechanics Bancorp reported solid second-quarter results with net income of $57.7 million ($0.25/share) and core net income of $59 million, driven by strong capital generation, tangible book value growth, and completion of the HomeStreet integration. Management highlighted a large dividend ($0.70/share) tied to the DUS business sale, modest decline in deposits driven by runoff of higher-cost CDs, and a slight NII decline with NIM broadly stable at 3.62%. They emphasized an embedded earnings opportunity from roughly $4.8 billion of low-yielding legacy assets that can reprice over time (potentially ~260 bps pickup if reinvested at current market rates) and plan to execute an AFS securities restructure for near-term margin benefit. Management reiterated disciplined lending strategy (prudent on CRE), expects modest deposit growth (1-2%) and modest NIM improvement in a flat-rate environment, sees significant expense savings hitting in Q3/Q4, strong capital positions (CET1 ~14.4%, leverage ~8.5%) and optionality for dividends/M&A. Q&A tone was confident and direct with management reiterating prior guidance and emphasizing balance-sheet optimization and capital flexibility.
- Guidance
- Reiterated 2027 GAAP net income guidance: $275 million to $300 million; ROTCE target ~17% for 2027; dividend guide of ~$250 million for next year; expecting modest deposit growth (~1-2%); modest NIM improvement in a flat-rate environment; timing of expense reductions (material savings in Q3, continuing into Q4).
- Risks flagged
- Competitive deposit environment and potential upward pressure on deposit costs; modest liability sensitivity to further Fed hikes (rates up could modestly drag NIM); pressure from market competition for credit pricing (may limit loan growth if pricing is unattractive); one-time merger-related charges already incurred but integration risk remains mostly complete.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 29, 2026 | $0.27 est $0.25 | $201.0M est $199.3M | +4.8% |
| Apr 30, 2026 | $0.24 est $0.26 | $200.1M est $258.2M | −1.7% |
| Jan 30, 2026 | $0.56 est $0.26 | $260.0M est $48.40M | +3.4% |
| Oct 30, 2025 | $0.26 est −$0.03 | $169.2M est $170.7M | −0.4% |
| Jul 28, 2025 | −$0.16 est $0.04 | $41.53M est $49.96M | 0.0% |
| Apr 28, 2025 | −$0.15 est −$0.07 | $37.77M est $48.57M | −1.1% |
| Jan 26, 2025 | −$0.27 est −$0.19 | $40.31M est $41.11M | +2.6% |
| Oct 29, 2024 | −$0.32 est −$0.24 | $136.2M est $42.56M | −36.6% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Mechanics Bancorp stock forecast and analyst price targets
Analysts’ average 12-month price target for Mechanics Bancorp is $17.00, +18.2% from the last close, from 2 firms rating the stock in the last 90 days.
$17.00consensus 12-month target, +18.2% from the last close
Now $14.38Avg $17.00
Low $17High $17.50
Each firm’s latest rating in the last 90 days: 2 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 18 | Stephens | $17 | +18.2% |
| Aug 5 | KBW | $17.50 | +21.7% |
+6.6%average 20-day move after past Buying readings
−7.5%average move over the next 20 trading days in the last 5 years
±2.1%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Mechanics Bancorp seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Mechanics Bancorp averaged −7.5% across the last 5 years, rising in 1 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −1.0% | 3 of 5 |
| Next 10 trading days | −5.6% | 3 of 5 |
| Next 15 trading days | −13.6% | 1 of 5 |
| Next 20 trading days | −7.5% | 1 of 5 |
| Next 30 trading days | −3.1% | 2 of 5 |
For scale, MCHB’s typical 20-trading-day move in either direction is about 7.8%.
Mechanics Bancorp market cap and key statistics
Mechanics Bancorp’s market cap is $3.17B, with a P/E ratio of 11.3 and revenue of $742.5M over the last twelve months.
Valuation
- Market cap
- $3.17B
- P/E ratio
- 11.3
- EPS, TTM
- $1.28
- Gekko Fair Value
- $16.27
Trading
- Volume
- 499,699
- Avg volume, 20 days
- 552,675
- 52-week high
- $17.38
- 52-week low
- $12.82
- Shares outstanding
- 220.3M
Financials
- Revenue, TTM
- $742.5M
- Profit margin
- 37.9%
- Return on equity
- 11%
- Quarterly earnings growth, YoY
- +23.9%
Risk and income
- Beta
- 0.14
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±7.8%
- Dividend yield
- 8.97%
Mechanics Bancorp peers
Mechanics Bancorp’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 5.7% below |
| USBU.S. Bancorp | Accumulation | 11.0% below |
| NUNu | Neutral | 0.7% below |
| TFCTruist Financial | Accumulation | 9.6% below |
| FITBFifth Third Bancorp | Accumulation | 11.2% below |
| MTBM&T Bank | Accumulation | 9.1% below |
A peer links to its own page where one exists.
Mechanics Bancorp stock FAQ
What is Mechanics Bancorp’s market cap?
Mechanics Bancorp’s market cap is $3.17B at the Oct 12, 2026 close of $14.38, with 220.3M shares outstanding. The shares trade on a P/E ratio of 11.3.
What is the Mechanics Bancorp stock forecast?
The consensus analyst 12-month price target for Mechanics Bancorp is $17.00, +18.2% from the last close. Of the 2 firms that rated the stock in the last 90 days, 1 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Mechanics Bancorp stock overvalued or undervalued?
On Gekko’s estimate Mechanics Bancorp is undervalued: the Oct 12, 2026 close of $14.38 is 11.6% below Gekko Fair Value of $16.27. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Mechanics Bancorp report earnings next?
Mechanics Bancorp is expected to report on Oct 29, 2026, before the market opens (17 days away). Analysts expect earnings of $0.28 per share on revenue of $199.6M. Mechanics Bancorp beat the earnings estimate in 3 of its last 8 reports, moving 6.3% on average across the report.
What is Mechanics Bancorp’s 52-week high and low?
Mechanics Bancorp’s 52-week high is $17.38 and its 52-week low is $12.82; it closed at $14.38 on Oct 12, 2026, +6.8% over the past year. Over the last five years the shares peaked at $57.40 on Jan 18, 2022.
Is Mechanics Bancorp stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (gekkoindex and fair value), 1 as mixed (trend) and 2 as headwinds (earnings risk and seasonality). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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