Mechanics Bank

$ 14.66 0.07 %

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, and workplace benefit plans. Additional specialized services span foreign currency exchange, cashier's checks, wire transfers, overdraft protection, deposit and treasury services, alongside sophisticated wealth management offerings like trust and estate planning, investment and asset management, and retirement planning. Convenience is enhanced through its online and mobile banking platforms. The bank operates an extensive network of 115 branch locations strategically positioned across key Californian regions, including the Greater San Francisco, Sacramento, Los Angeles, and San Diego areas, as well as the Central Valley. Established in 1905, Mechanics Bank is headquartered in Walnut Creek, California.

CEO: C. J. Johnson - https://www.mechanicsbank.com

Price objectif

$17 15.96 %

Recommandation

Hold

DCF

$ 66.17

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MCHB vs S&P500

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Quick ratio

219.81

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

-0.02

may indicate that the company is undervalued or has poor growth prospects.

EPS

-680.31

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

9.93 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

1.13 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

9.78

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.08

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

0.95

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

64.40 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
1.22 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
5.87 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.01 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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