Mechanics Bank (MCHB) Stock Score, Valuation & Financial Research
Mechanics Bank is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 59/100.
Quick answer for MCHB
Mechanics Bank currently has a Wall Street Score of 59/100. The stored market price is $15.33. Its financial score is 35/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What Mechanics Bank does
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. Beyond core deposit services, the bank provides an extensive portfolio of lending options, encompassing personal loans for homes and automobiles, various business financing such as term loans, lines of credit, equipment financing, and Small Business Administration (SBA) loans. It also specializes in multi-family, commercial, and owner-occupied real estate lending. The institution further supports its clients with credit and debit cards, sophisticated payable and receivable solutions, robust fraud prevention, and comprehensive cash management services. For businesses, it delivers merchant and payroll services, Paycheck Protection Program (PPP) solutions, an
MCHB financial snapshot
- Wall Street Score:
- 59/100
- Current price:
- $15.33
- Market capitalization:
- $3.38B
- Revenue:
- $896.4M
- Net income:
- $219.1M
- Free cash flow:
- $187.1M
- Cash:
- $483.5M
- Total debt:
- $211.2M
- EPS:
- 1.22
- P/E ratio:
- 12.6x
- Financial score:
- 35/100
- Valuation score:
- 97/100
- Revenue score:
- 31/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $187.1M, showing positive cash generation.
- The balance sheet shows $483.5M of cash versus $211.2M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 35/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research MCHB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.