US · MCHB
Mechanics Bank
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Walnut Creek, CA 94596
- Website
- mechanicsbank.com
Price · as of 2024-12-31
$14.92
Market cap 3.14B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $347,585.50 | +2,329,561.53% |
| Intrinsic Value(DCF) | $123,369,490.80 | +826,873,162.73% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $85,665.68 | +574,066.72% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $0.00 | $0.00 | |||
| 2011 | $11.21 | $209,901.58 | $6,133.95 | $11,647.51 | $0.00 |
| 2012 | $21.39 | $452,049.87 | $3,471,220.73 | $50,624.80 | $546,989.91 |
| 2013 | $16.08 | $140,418.35 | $107,822.99 | $25,874.83 | $0.00 |
| 2014 | $15.77 | $136,454.36 | $24,583.52 | $25,482.60 | $19,132.03 |
| 2015 | $17.60 | $62,067.59 | $92,057.60 | $31,720.10 | $105,365.55 |
| 2016 | $22.88 | $278,771.81 | $547,041.79 | $36,474.81 | $88,802.89 |
| 2017 | $26.45 | $162,849.34 | $17,872.90 | $38,211.28 | $0.00 |
| 2018 | $22.96 | $9,973.62 | $18,420.48 | $34,002.86 | $28,816.87 |
| 2019 | $22.39 | $16,023.48 | $19,297.06 | $28,664.26 | $21,942.88 |
| 2020 | $43.12 | $34,681.30 | $28,302.50 | $38,345.43 | $81,306.94 |
| 2021 | $45.63 | $340,644.74 | $33,649.46 | $45,038.30 | $0.00 |
| 2022 | $19.79 | $48,178.93 | $23,452.33 | $24,412.97 | $17,818.86 |
| 2023 | $15.09 | $119,171.02 | $13,776.01 | $10,991.38 | $0.00 |
| 2024 | $8.88 | $347,585.50 | $5,157.69 | $0.00 | $85,665.68 |
AI valuation
Our deep-learning model estimates Mechanics Bank's (MCHB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $347,585.50
- Current price
- $14.92
- AI upside
- +2,329,561.53%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$123,369,490.80
+826,873,162.73% upside
Graham-Dodd
—
— upside
Graham Formula
$85,665.68
+574,066.72% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| MCHB | Mechanics Bank | $14.92 | 3.14B | +2,329,562% | +826,873,163% | — | +574,067% | 0.00 | 0.00 | 0.00 | -17.19 | 0.00 | 0.00 | 13.96% | -36.71% | -43.96% | -30.86% | -3.85% | -1.65% | 5.60 | -0.43 | 0.05 | 0.05 | -17.19 | 42267.00% | -2027.00% | -120161.00% | -27727.33% | -0.01 | -1.48% | 56751.08% | -65.80% | 1060774.74% | -15.09 | -39.19 | 5.54 | -1.00 |
About Mechanics Bank
Mechanics Bank provides various financial services for individual clients, and small and middle-market businesses. The company offers checking and savings accounts. It also provides home and auto loans; term loans and lines of credit, multi-family lending, commercial real estate loans, owner-occupied real estate loans, equipment financing, and trade services and letters of credit; and small business administration loans. In addition, the company offers credit and debit cards; payable and receivable solutions, fraud prevention, and cash management services; merchant and payroll services, paycheck protection program solutions, and workplace benefit plans; foreign currency, cashier's checks, wire transfers, overdraft, deposit and treasury, trust and estate, investment and asset management, retirement planning, and wealth management services; and online and mobile banking services. It operates through a network of 115 branch locations in the Greater San Francisco, Sacramento, Los Angeles, and San Diego areas, as well as Central Valley in California. Mechanics Bank was founded in 1905 and is headquartered in Walnut Creek, California.
- CEO
- C. J. Johnson
- Employees
- 1.8K
- Beta
- 0.21
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($123,369,490.80 ÷ $14.92) − 1 = +826,873,162.73% (DCF, example).