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Upturn AI Summary - About
Mechanics Bank(MCHB)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MCHB
11/13/2026: MCHB (4-star) is currently NOT-A-BUY. Pass it for now.
Mechanics Bank is a well-established regional banking institution serving clients across California. The company benefits from a strong community-focused brand and a stable core deposit base developed over a century of operations. Its primary growth strategy centers on expanding commercial lending and enhancing digital banking services to compete with larger national incumbents. However, the bank faces risks related to geographic concentration in the California economy and intense competition from larger, better-capitalized peers. The stock may best suit value and dividend-oriented investors who monitor regional credit quality and interest rate trends as key developments impacting future performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The bank operates in a mature industry with more moderate growth prospects. |
| Momentum investor | Weak fit | Stock price movement is often tied to macroeconomic banking trends rather than high-growth momentum. |
| Value investor | Strong fit | The stock may offer value for those seeking regional banking exposure at traditional valuation multiples. |
| Dividend investor | Strong fit | Regional banks often prioritize dividend stability as part of their capital return strategy. |
| Low-risk investor | Mixed fit | Banking stocks involve interest rate and credit risk that may not suit the most conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Financial sector stocks are sensitive to market interest rate expectations. |
| Valuation risk | Medium | Market pricing is susceptible to changes in earnings outlook and interest rate cycles. |
| Competition risk | High | Large national banks aggressively compete for the same commercial and retail deposits. |
| Business quality | Medium | The bank benefits from a stable core deposit base but faces operational challenges. |
| Dividend income | Medium | Dividends depend on maintaining regulatory capital ratios and positive net income. |
| Execution risk | Medium | Successfully managing regional economic sensitivity requires disciplined lending practices. |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.18B USD | Price to earnings Ratio 11.6 | 1Y Target Price 16.12 |
Price to earnings Ratio 11.6 | 1Y Target Price 16.12 | ||
Volume (30-day avg) 550.7K shares | Beta 0.15 | 52 Weeks Range 11.72 - 17.11 | Updated Date 11/13/2026 |
52 Weeks Range 11.72 - 17.11 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 10.71% | Basic EPS (TTM) 1.24 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 176.6% | Avg. Invested days 72 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes money is by lending out deposits at a higher rate than it pays to depositors. |
| Non-Interest Fee Income | Service charges, wealth management fees, and deposit account fees. | These represent recurring service-based revenues that diversify income away from interest rate cycles. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-28 | When After Market | Estimate 0.27 | Actual 0.35 |
Profitability
Profit Margin 33.23% | Operating Margin (TTM) 43.04% |
Management Effectiveness
Return on Assets (TTM) 1.19% | Return on Equity (TTM) 9.7% |
Valuation
Trailing PE 11.6 | Forward PE - | Enterprise Value 2.90B | Price to Sales(TTM) 4.09 |
Enterprise Value 2.90B | Price to Sales(TTM) 4.09 | ||
Enterprise Value to Revenue 4.49 | Enterprise Value to EBITDA - | Shares Outstanding 220.36M | Shares Floating 49.25M |
Shares Outstanding 220.36M | Shares Floating 49.25M | ||
Percent Insiders 82.07 | Percent Institutions 11.69 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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