profit from every $100 of sales.
$0$100
Mechanics Bank
$14.56-0.75% today
+10.6% in 1 year
1-year low $13.121-year high $17.17
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2021 to 2022.
0%20% a year
You pay $12.13 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Mechanics Bank sold, what it kept, and what it did with the cash.
Sales went from $688 million in 2021 to $695 million in 2022.
SalesProfit
Mechanics Bank vs. similar companies
Mechanics Bank grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Mechanics Bank | 12.1× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Mechanics Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2021 | 2022 |
|---|---|---|
| 688 | 695 | |
| – | – | |
| – | – | |
| – | – | |
| – | – | |
| – | – | |
| – | – | |
| – | – | |
| – | – |
Balance sheet
| In millions of USD | 2021 | 2022 |
|---|---|---|
| Total assets | – | – |
| Cash | – | – |
| Total debt | – | – |
| Total liabilities | – | – |
| – | – | |
| – | – | |
| – | – | |
| – | – |
Cash flow
| In millions of USD | 2021 | 2022 |
|---|---|---|
| – | – | |
| – | – | |
| – | – | |
| Dividends paid | – | – |
| – | – | |
| – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.1×
- 14.2×
- –
- 1.2×
- 3.1×
- 8.2%
- 8.9%
Profitability
- 24.4%
- 1.1%
- 8.5%
- 9.9%
- 1.0%
Growth
- +1.0%
- –
- −18.9%
- +1.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 27%of 748
Top 35%of 603
Top 37%of 873
Bottom 25%of 883
Top 44%of 933
What analysts expect
- Average price target
- $17.00
- Range
- $17.00 – $17.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 30, 2026 | 0.21 | 0.26 | −19.2% |
| Jan 30, 2026 | 0.56 | 0.26 | +115.4% |
| Oct 30, 2025 | 0.26 | -0.03 | +966.7% |
| Jul 28, 2025 | -0.16 | 0.04 | −536.3% |
| Apr 28, 2025 | -0.15 | -0.07 | −125.0% |
| Jan 27, 2025 | -0.27 | -0.22 | −22.7% |
| Oct 29, 2024 | -0.32 | -0.24 | −32.0% |
| Jul 29, 2024 | -0.23 | -0.26 | +11.5% |
8.9%of the share price, paid each year
On $1,000 invested$89a year at today's yield, before tax
−18.9%2020 to 2025
Raised–not every year
Paid per share, each year
$0.09 in 2015 → $0.21 in 2025
How safe it looks
64.4% of its profit
Room to growStretchedMore than it earns: 26.0%
News
Market Chatter: Nvidia, Tesla to Invest $2.80 Billion in Samsung Electro-MechanicsYahoo Finance · Oct 22, 2026Mechanics Bancorp declares $0.25 dividendSeeking Alpha · Aug 20, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
56No pass
Benjamin Graham
86Pass
Philip Fisher
61Pass
Peter Lynch
58No pass
Joel Greenblatt
18No pass
Charlie Munger
65Pass
Terry Smith
52No pass
Questions about Mechanics Bank
Is Mechanics Bank a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Mechanics Bank AI analysis
What does Mechanics Bank do?
Mechanics Bank provides various financial services for individual clients, and small and middle-market businesses. The company offers checking and savings accounts. It is in Banks - Regional, based in Walnut Creek, CA, United States, with 1,890 employees.
Does Mechanics Bank pay a dividend?
Yes. At today's price the dividend is 8.9% a year, about 64% of its yearly profit.
Is Mechanics Bank stock halal?
No. Mechanics Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Mechanics Bank stock done over the past year?
Up 10.6% over the past twelve months, to $14.56. It traded between $13.12 and $17.17 and is 15.2% below its high.
Who are Mechanics Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Mechanics Bank's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.