Stocks · Financial Services · Banks - Regional
Mechanics Bank MCHB
$14.90 +0.47% Close, Oct 2, 2026 · NASDAQ · Market cap $3.28B
Strong growthInexpensive vs sector
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $1.25, up 109.5% year over year.
- Revenue over the last four quarters was $1.06B, up 54.4% from a year earlier, accelerating from 27.6% a quarter earlier.
- At 11.9× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 6%
- EPS growth (TTM, YoY)Top 10%
- FCF growth (TTM, YoY)Bottom 25%
- Revenue growth, 3-year CAGRBottom 45%
- Revenue growth accelerationTop 4%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 48%
- Gross marginTop 29%
- Operating marginTop 26%
- Cash conversion (OCF / net income)Bottom 37%
- Accruals (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Top 17%
- Interest coverTop 41%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 32%
- Free-cash-flow yieldTop 48%
- EBITDA / enterprise valueTop 21%
- Sales / enterprise valueTop 39%
- P/E vs own 5-year history (lower is better)Top 3%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 37%
- 6-month returnBottom 21%
- 1-year return vs S&P 500Top 40%
- Distance from 52-week highBottom 37%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 2%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 24%
- Upside to consensus price targetBottom 45%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 41%
- Maximum drawdown, 3 yearsBottom 18%
- Beta vs S&P 500 (lower is better)Top 28%
- Net debt / EBITDA (lower is better)Top 17%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 27.6% | 54.4% | ↑ |
| EPS growth (YoY) | 66.4% | 109.5% | ↑ |
| Gross margin | 69.7% | 73.1% | ↑ |
| Operating margin | 26.1% | 31.5% | ↑ |
| FCF margin | 44.1% | 25.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 54.4% | 27.6% | ↑ | Top 6% |
| EPS growth (TTM, YoY) | 109.5% | 66.4% | ↑ | Top 10% |
| Gross margin | 73.1% | 69.7% | ↑ | Top 29% |
| Operating margin | 31.5% | 26.1% | ↑ | Top 26% |
| Net margin | 26.5% | 19.1% | ↑ | — |
| Free-cash-flow margin | 25.3% | 44.1% | ↓ | — |
| Return on invested capital | 1.4% | — | Top 48% | |
| Revenue growth, 3-year CAGR | 13.6% | — | Bottom 45% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +56967.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.00×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 9.24%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 9.24%
- Share count change, 1 year
- +11.6%
- Share count change, 3-year CAGR
- +131.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- +100.0%
- Average 2-day reaction, last 8
- -0.2%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $17.00
- Target vs current price
- +14.1%
- Analysts with a rating
- 10
- Share rating Buy or Strong Buy
- 30%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +8.0% | +4.1% | +5.4% | +1.6% | — |
| Apr 30, 2026 | -19.2% | -2.7% | -2.3% | -4.4% | +2.9% |
| Jan 30, 2026 | +115.4% | -1.2% | -0.7% | -6.0% | +3.8% |
| Oct 27, 2025 | +933.3% | -0.3% | -2.6% | -0.6% | +9.7% |
| Jul 28, 2025 | -420.0% | -0.5% | -2.6% | +4.9% | +3.0% |
| Apr 28, 2025 | -114.3% | -0.6% | +5.2% | +8.9% | +21.8% |
| Jan 27, 2025 | -22.7% | +2.6% | -1.0% | -4.2% | +9.9% |
| Oct 29, 2024 | -33.3% | -2.6% | -36.4% | -17.4% | -27.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.27 | $0.25 | +8.0% | $201.0M |
| Apr 30, 2026 | $0.21 | $0.26 | -19.2% | $200.1M |
| Jan 30, 2026 | $0.56 | $0.26 | +115.4% | $260.0M |
| Oct 27, 2025 | $0.25 | -$0.03 | +933.3% | $255.4M |
| Jul 28, 2025 | -$0.16 | $0.05 | -420.0% | $49.0M |
| Apr 28, 2025 | -$0.15 | -$0.07 | -114.3% | $45.4M |
| Jan 27, 2025 | -$0.27 | -$0.22 | -22.7% | $40.3M |
| Oct 29, 2024 | -$0.32 | -$0.24 | -33.3% | $39.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.9× | 57.3× | 0th | Top 32% |
| P/E (forward) | 14.3× | — | — | — |
| EV / EBITDA | 8.5× | — | — | Top 21% |
| EV / Sales | 2.77× | — | — | Top 39% |
| Free-cash-flow yield | 8.16% | — | — | Top 48% |
| Earnings yield | 8.39% | — | — | Top 32% |
P/E over the past five years
Range 13.3× – 124.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +13.1%
- Earnings per share growth (TTM)
- +109.5%
- Change in P/E multiple
- -38.8%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.1%
- 200-day average slope (20 days)
- +0.5%
- Distance from 50-day average
- -6.5%
- Distance from 200-day average
- -2.1%
- RSI (14)
- 33.8
- Relative volume
- 0.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.9%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.36
- Correlation with S&P 500
- 0.12
- Current drawdown from 1-year high
- -13.2%
- Maximum drawdown, 3 years
- -47.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 10, 2022 | Oct 27, 2023 | -92.1% | 452 days | Not yet recovered |
| Mar 11, 2021 | Sep 14, 2021 | -25.2% | 129 days | 38 days (Nov 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.28B
- P/E (TTM)
- 11.9
- EPS, diluted (TTM)
- $1.25
- Revenue (TTM)
- $1.06B
- Dividend yield
- 10.47%
- 52-week range
- $12.82 – $17.38
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $364.3M | $703.8M | $779.4M | $589.6M | $1.03B |
| Gross profit | $362.0M | $657.4M | $622.9M | $374.6M | $785.4M |
| Operating income | $146.7M | $302.1M | $277.9M | $35.7M | $319.6M |
| Net income | $115.4M | $216.6M | $201.9M | $29.0M | $265.7M |
| EPS (diluted) | $0.55 | $0.98 | $0.91 | $0.13 | $1.21 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $207.4M | $193.8M | $187.0M | $98.1M | $277.4M | $274.8M | $246.1M | $261.7M |
| Net income | $39.9M | $51.7M | $43.8M | -$4.4M | $55.2M | $124.3M | $44.1M | $57.7M |
| EPS (diluted) | $0.18 | $0.24 | $0.20 | -$0.02 | $0.26 | $0.54 | $0.20 | $0.25 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $173.0M | $237.3M | $13.7M | $292.3M | $193.6M |
| Capital expenditure | -$2.9M | -$6.8M | -$3.8M | -$6.4M | -$6.5M |
| Free cash flow | $170.1M | $230.5M | $9.9M | $285.9M | $187.1M |
| Dividends paid | -$21.3M | -$26.8M | -$12.3M | -$95.0M | -$48.6M |
| Net share buybacks | -$83.9M | -$75.0M | $0 | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $4.67B
- Total assets
- $21.23B
- Total liabilities
- $18.54B
- Total debt
- $208.6M
- Net debt
- -$345.3M
- Shareholders’ equity
- $2.69B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 28, 2026 | $0.25 | Sep 1, 2026 |
| May 22, 2026 | $0.70 | May 28, 2026 |
| Mar 9, 2026 | $0.40 | Mar 19, 2026 |
| Dec 8, 2025 | $0.21 | Dec 15, 2025 |
| Nov 7, 2023 | $0.10 | Nov 22, 2023 |
| Aug 8, 2023 | $0.10 | Aug 23, 2023 |
| May 9, 2023 | $0.10 | May 24, 2023 |
| Feb 7, 2023 | $0.35 | Feb 22, 2023 |
Short interest
- Shares sold short
- 3,912,741
- Days to cover
- 9.23
- Change vs previous report
- +1.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 8, 2012
- 2-for-1
- Mar 9, 2012
- 2-for-1