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Mechanics Bancorp

NSQ:MCHB · US43785V1026
BanksSmall

360

72
Medium confidence — indicative
Profit price76
Cash yield100
Price/Sales18
EV / Gross Profit54
Price/Book27
Returns on capital82
Profit margins—
Cash Conversion24
Accruals97
Owner Earnings Margin91
Sales growth1
Profit Growth75
Owner Earnings Growth94
Reinvestment28
Price momentum88
Debt load58
Debt serviceability45
Liquidity90
Analyst ratings54
Opinion Changes50
Price Target Upside65
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Mechanics Bancorp generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1907
Employees1,233
Websiteir.homestreet.com
ISINUS43785V1026
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
BankingFinancial ServicesWealth Management

Description

Mechanics Bancorp is a financial holding company. The company primarily operates through Mechanics Bank, its wholly-owned subsidiary. Mechanics Bank is a full-service community bank with various branches throughout California, Washington, Oregon and…

Analysis

Middle-of-the-road

Mechanics Bancorp is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 11.3× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is sturdy. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
28
2023202420252026

All-time high

63

Mar 2026

All-time low

23

Jan 2024

Average rank

40

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
18
97
97
73
Price/Earnings
5
3
1
67
Price/Book
27
97
97
15
Dividend Yield
100
1
77
100
Value (overall)
31
53
79
73

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →