Mechanics Bancorp (MCHB) stock

Market cap $3.4B

$14.92
-1.65%

Market closed. Prices as of Monday's close.

Quality Score
5
Below Average
In its industry
#44of 100

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See all 14 checks on MCHB8 days free. No card.

What moves banks

Rate gap, 10-year minus 2-year+0.32 pt+0.12 ptMon Sep 28in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Mon Sep 28. Change over the week.

10-year Treasury yield, next Fed rate decision, and 2-year Treasury yield, for members.

Quality Score

Why MCHB scores 5

Below AverageTrending up, 2 of 14 checks firingWhat the Quality Score means

Poor is below 0. Average starts at 6, Above Average at 11, Excellent at 15, and Exceptional at 20.

  • +2Momentum traits 2 of 14 firing right now, one point each
  • +2Profit Made $281M over the last four quarters, up 58% from $178M the four before, from the SEC filingsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
  • Long-term trend adds
  • Growth addsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.
  • Dilution subtractsNew shares over the year: -1 at 10% more, -2 at 25% more.

No effect today: Run-up, Size, Volatility, Cash flow, Persistence, and News.

What every line is worth, and the reason behind it, on MCHB and every other stock.Get in free →

Price, score, traits, and the industry rank are from a snapshot taken at 1:06 AM ET, at least 15 minutes behind. How we rank stocks.

What's next

Expected to report Thu Oct 29, before the open

After its last 4 reports it closed -0.4% on average, higher 1 of 4 times.

What would turn MCHB's score around: 6 things, for members

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For members

Here is what members see.

Every stock gets a card like this one, and a page with its price in real time, every line of its score, the chart, and its filings.

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The 14 checks

MCHB has 2 of 14 checks firing

One per group is shown here.

Trend1 of 5 shown

Averages stacked in order, price near its high.

Volume1 of 3 shown

Heavy volume on the run, quiet volume at rest.

Tight range1 of 3 shown

The daily range is tight against its own recent history.

Buying1 of 3 shown

Closes near the high, and buyers step in on dips.

The other 10 checks on MCHB, and all 14 on every stock.Get in free →
Its industry

How MCHB ranks in Banks

MCHB is #44 of 100 by Quality Score. The top three are shown with their scores, and the rest by name.

More in Banks, on the Financials page →

Earnings

When does MCHB report, and what happens after?

Expected to report Thu Oct 29, before the open (in 30 days). Not yet confirmed by the company.

ReportedGapReaction5 sessions
Jul 29, 2026Before open+1.4%+4.1%+5.4%
Apr 30, 2026Before open-9.4%-2.7%-2.3%
Jan 29, 2026After close+2.0%-1.2%-0.7%
Oct 30, 2025After close+1.6%-1.7%-3.2%

The gap is the next open against the close before the report; the reaction is where that session closed. MCHB closed higher after 1 of its last 4. Past behavior, not a forecast.

Report dates and past reactions come from sessions that have already closed, so none of these figures move.

Filings

Who is trading MCHB

Insiders

One insider sold $30.00 across 1 filing in the last 6 months. No open-⁠market buys on record. The newest:

SellEdward Michael Downer$30.26Directorat $15.13 on Jun 15, filed Jun 17

An insider has two business days to file a Form 4, so the trade is already days old when it becomes public. Shown as filed, with no delay.

See CEOs buying their own stock across the market →

The company

About Mechanics Bancorp

Mechanics Bancorp is the financial holding company of Mechanics Bank, a full-service bank with branches across California, Oregon, Washington and Hawaii. It offers a various products and services in consumer and business banking, commercial lending, cash management services, private banking, and comprehensive wealth management and trust services.

1,890 employeesWalnut Creek, CAmechanicsbank.com

For members

Every line of the score, on every stock.

  • Real-time prices, no delay
  • Every line of MCHB's score, with the points and the reason
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  • Every filing, and optional alerts on MCHB
BreakawayJun 17Edward Michael Downer sold MCHB$30 at $15.13, filed Jun 17

What a filing on MCHB would have sent. Alerts are optional.

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Questions

Straight answers.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Members, trial included, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.

Where does the data come from?

Daily bars, quotes, reference data, headlines, and short interest come from Massive, formerly Polygon, a licensed market data vendor. The age of the quotes is shown at the top of every page. Insider trades, notable holders and profits come straight from the SEC. That means Form 4 filings, 13F filings and XBRL financial data on EDGAR. Government filings come from the public STOCK Act and Office of Government Ethics disclosures. The market-wide headlines on the market line also come from the public headline feeds CNBC, MarketWatch and Yahoo Finance publish, shown as the headline, the source and a link to the article. Splits, dividends, and the financial statements on each ticker page come from the vendor's reference data. The 8-K filings on EDGAR are read for the items that move a price. Five years of history is loaded for every stock. So the 200-day and 52-week traits rest on real history. Options flow is not part of the product.

What does it cost?

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Is this investment advice?

No. It is a screening tool that scores stocks on the chart, the company's own results, and the news and filings. It does not know your situation and it is not a recommendation to buy or sell anything. Please do your own research.

The price, the score, the traits, and the industry rank on this page are delayed at least 15 minutes. Filings are shown as filed, because a disclosure is already days or weeks old when it becomes public. Earnings dates and past reactions are settled sessions.