Valuation dashboard for Mechanics Bank (MCHB) with P/E 11.92, P/B 1.29, EV/EBITDA 7.41 and dividend yield 10.47%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
Mechanics Bank delivers a comprehensive suite of financial solutions, catering to the diverse needs of individual clients and small to mid-sized businesses. Its foundational offerings include a variety of checking and savings accounts.
Analysis Summary
Mechanics Bank reported revenue of $1.03B in the most recent fiscal year, growing at a 5-year CAGR of 20.8%. Net income reached $265.7M, with a 27.1% 5-year CAGR.
Trailing-twelve-month margins: gross margin 73.1%, operating margin 31.5%, net margin 26.5%.
At the current price of $14.93, MCHB trades at a P/E of 11.92 and an ROE of 9.28%. Market capitalisation stands at $3.3B.
Balance sheet quality for MCHB: current ratio of 8.2. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 11.92 |
| Price / Book | 1.29 |
| EV / EBITDA | 7.41 |
| Dividend Yield | 10.47% |
Valuation Models
| DCF Fair Value | $60.35 |
| vs Current Price | +304.2% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| MCHB | Mechanics Bank | $3.3B | 11.92 | 1.29 | 9.3% |
| 0O84.L | DNB Bank ASA | $472.1B | 11.17 | 1.60 | 14.6% |
| MFG | Mizuho Financial Group, Inc. | $134.6B | 15.38 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $114.6B | 14.04 | 1.83 | 13.7% |
| IBN | ICICI Bank Limited | $98.4B | 16.71 | 2.47 | 14.9% |
| SBID.L | State Bank of India | $93.2B | 10.26 | 1.42 | 14.3% |
| USB | U.S. Bancorp | $89.6B | 11.48 | 1.33 | 11.6% |
| 0KEF.L | The PNC Financial Services Group, Inc. | $88.4B | 12.16 | 1.40 | 12.3% |
Price
| Price | $14.93 |
| Market Cap | $3.3B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 9.28% |
| Return on Invested Capital | 1.18% |
| Return on Assets | 1.18% |
| Gross Margin | 73.12% |
| Operating Margin | 31.51% |
| Net Margin | 26.53% |
Related companies: CVCY · CVLY · EVBN · FLIC · FRC · PWOD · SBT
Explore sector: Financial Services · Banks - Regional
More sections of MCHB: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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