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Mechanics Bank

MCHB

(2.8)
Stock Price

26.000,00 USD

1.22% ROA

9.25% ROE

8.27x PER

Market Cap.

1.669.720.000,00 USD

37.82% DER

5.69% Yield

31.71% NPM

Mechanics Bank Stock Analysis

Mechanics Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Mechanics Bank Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (16%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Net Profit Growth

The net profit of this company has steadily increased over the last five years, showcasing a favorable financial performance and making it an enticing option for investors seeking growth potential.

5 ROE

The stock's ROE falls within an average range (9.59%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (1.26%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Dividend

Investors can take comfort in the fact that the company has consistently distributed dividends over the past three years, demonstrating a commitment to rewarding shareholders.

8 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

10 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (0), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Mechanics Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Mechanics Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Buy
4 Stoch RSI Buy

Mechanics Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Mechanics Bank Revenue
Year Revenue Growth
2002 106.406.851
2003 110.921.355 4.07%
2004 107.410.226 -3.27%
2005 111.304.196 3.5%
2006 118.619.748 6.17%
2007 134.828.000 12.02%
2016 175.049.909 22.98%
2017 265.620.177 34.1%
2018 278.515.998 4.63%
2019 429.865.441 35.21%
2020 647.473.420 33.61%
2021 692.077.034 6.44%
2022 694.967.118 0.42%
2023 636.833.141 -9.13%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Mechanics Bank Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Mechanics Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 39.558.591
2003 41.973.532 5.75%
2004 42.285.370 0.74%
2005 44.070.123 4.05%
2006 49.015.998 10.09%
2007 56.432.000 13.14%
2016 65.113.260 13.33%
2017 105.745.944 38.42%
2018 104.462.118 -1.23%
2019 160.419.783 34.88%
2020 229.947.824 30.24%
2021 221.859.273 -3.65%
2022 205.922.115 -7.74%
2023 200.992.054 -2.45%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Mechanics Bank EBITDA
Year EBITDA Growth
2002 77.472.052
2003 70.312.108 -10.18%
2004 65.870.359 -6.74%
2005 79.756.538 17.41%
2006 99.975.755 20.22%
2007 42.680.000 -134.24%
2016 68.282.312 37.49%
2017 80.562.647 15.24%
2018 107.305.636 24.92%
2019 102.841.371 -4.34%
2020 147.327.901 30.2%
2021 324.153.785 54.55%
2022 353.635.032 8.34%
2023 305.932.713 -15.59%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Mechanics Bank Gross Profit
Year Gross Profit Growth
2002 106.406.851
2003 110.921.355 4.07%
2004 107.410.226 -3.27%
2005 111.304.196 3.5%
2006 118.619.748 6.17%
2007 134.828.000 12.02%
2016 175.049.909 22.98%
2017 265.620.177 34.1%
2018 278.515.998 4.63%
2019 429.865.441 35.21%
2020 647.473.420 33.61%
2021 692.077.034 6.44%
2022 694.967.118 0.42%
2023 636.833.141 -9.13%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Mechanics Bank Net Profit
Year Net Profit Growth
2002 26.615.315
2003 26.839.765 0.84%
2004 24.109.705 -11.32%
2005 25.112.752 3.99%
2006 26.505.277 5.25%
2007 30.484.000 13.05%
2016 33.799.922 9.81%
2017 31.832.839 -6.18%
2018 52.007.939 38.79%
2019 57.726.323 9.91%
2020 93.464.429 38.24%
2021 206.010.928 54.63%
2022 216.581.683 4.88%
2023 201.913.639 -7.26%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Mechanics Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 937
2003 945 0.85%
2004 848 -11.32%
2005 905 6.19%
2006 963 6.03%
2007 1.129 14.79%
2016 1.577 28.41%
2017 1.156 -36.54%
2018 1.888 38.79%
2019 1.437 -31.41%
2020 1.455 1.31%
2021 3.208 54.63%
2022 3.373 4.89%
2023 3.144 -7.29%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Mechanics Bank Free Cashflow
Year Free Cashflow Growth
2002 27.792.571
2003 30.560.295 9.06%
2004 12.170.369 -151.1%
2005 32.562.042 62.62%
2006 39.783.055 18.15%
2007 0 0%
2012 31.481.391 100%
2013 27.382 -114871.12%
2014 24.058 -13.82%
2015 17.134.465 99.86%
2016 10.757.137 -59.28%
2017 78.426.244 86.28%
2018 79.555.461 1.42%
2019 490.958.717 83.8%
2020 204.578.315 -139.99%
2021 288.018.855 28.97%
2022 308.696.752 6.7%
2023 259.134.494 -19.13%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Mechanics Bank Operating Cashflow
Year Operating Cashflow Growth
2002 31.648.177
2003 37.795.608 16.26%
2004 17.504.327 -115.92%
2005 36.455.082 51.98%
2006 45.559.767 19.98%
2007 0 0%
2012 34.757.049 100%
2013 32.374 -107261%
2014 25.847 -25.25%
2015 21.546.725 99.88%
2016 18.154.789 -18.68%
2017 83.278.493 78.2%
2018 88.728.990 6.14%
2019 502.466.908 82.34%
2020 212.473.598 -136.48%
2021 295.256.354 28.04%
2022 318.181.859 7.21%
2023 266.001.463 -19.62%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Mechanics Bank Capital Expenditure
Year Capital Expenditure Growth
2002 3.855.606
2003 7.235.313 46.71%
2004 5.333.958 -35.65%
2005 3.893.040 -37.01%
2006 5.776.712 32.61%
2007 0 0%
2012 3.275.658 100%
2013 4.991 -65531.3%
2014 1.788 -179.14%
2015 4.412.260 99.96%
2016 7.397.652 40.36%
2017 4.852.249 -52.46%
2018 9.173.529 47.11%
2019 11.508.191 20.29%
2020 7.895.283 -45.76%
2021 7.237.499 -9.09%
2022 9.485.107 23.7%
2023 6.866.969 -38.13%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Mechanics Bank Equity
Year Equity Growth
2002 207.915.889
2003 224.051.233 7.2%
2004 236.615.645 5.31%
2005 237.852.172 0.52%
2006 253.461.252 6.16%
2007 268.595.000 5.63%
2016 775.466.377 65.36%
2017 804.744.017 3.64%
2018 852.882.913 5.64%
2019 2.297.960.310 62.89%
2020 2.467.161.078 6.86%
2021 2.387.776.834 -3.32%
2022 2.131.279.530 -12.03%
2023 2.235.605.069 4.67%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Mechanics Bank Assets
Year Assets Growth
2002 2.087.848.235
2003 2.270.484.859 8.04%
2004 2.469.349.675 8.05%
2005 2.644.849.944 6.64%
2006 2.756.631.962 4.06%
2007 2.617.191.000 -5.33%
2016 5.593.561.268 53.21%
2017 5.637.590.383 0.78%
2018 6.032.150.443 6.54%
2019 17.207.238.203 64.94%
2020 19.142.907.665 10.11%
2021 19.422.860.136 1.44%
2022 18.135.691.935 -7.1%
2023 17.501.795.395 -3.62%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Mechanics Bank Liabilities
Year Liabilities Growth
2002 1.879.932.346
2003 2.046.433.626 8.14%
2004 2.232.734.030 8.34%
2005 2.406.997.772 7.24%
2006 2.503.170.710 3.84%
2007 2.348.596.000 -6.58%
2016 4.818.094.891 51.25%
2017 4.832.846.366 0.31%
2018 5.179.267.530 6.69%
2019 14.909.277.893 65.26%
2020 16.675.746.587 10.59%
2021 17.035.083.302 2.11%
2022 16.004.412.405 -6.44%
2023 15.266.190.326 -4.84%

Mechanics Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9915.66
Net Income per Share
3143.85
Price to Earning Ratio
8.27x
Price To Sales Ratio
2.62x
POCF Ratio
6.28
PFCF Ratio
6.44
Price to Book Ratio
0.75
EV to Sales
1.64
EV Over EBITDA
3.42
EV to Operating CashFlow
3.93
EV to FreeCashFlow
4.03
Earnings Yield
0.12
FreeCashFlow Yield
0.16
Market Cap
1,67 Bil.
Enterprise Value
1,04 Bil.
Graham Number
49621.23
Graham NetNet
-189922.12

Income Statement Metrics

Net Income per Share
3143.85
Income Quality
1.32
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.73
EBT Per Ebit
1
Ebit per Revenue
0.44
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.32
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.44
Pretax Profit Margin
0.44
Net Profit Margin
0.32

Dividends

Dividend Yield
0.06
Dividend Yield %
5.69
Payout Ratio
0.52
Dividend Per Share
1479

Operating Metrics

Operating Cashflow per Share
4141.71
Free CashFlow per Share
4034.79
Capex to Operating CashFlow
-0.03
Capex to Revenue
-0.01
Capex to Depreciation
-0.25
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
186.11
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.96
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-106.92

Balance Sheet

Cash per Share
55.533,36
Book Value per Share
34.808,95
Tangible Book Value per Share
20865.56
Shareholders Equity per Share
34808.95
Interest Debt per Share
15591.42
Debt to Equity
0.38
Debt to Assets
0.05
Net Debt to EBITDA
-2.04
Current Ratio
28.75
Tangible Asset Value
1,34 Bil.
Net Current Asset Value
-11,37 Bil.
Invested Capital
0.38
Working Capital
3,76 Bil.
Intangibles to Total Assets
0.05
Average Receivables
0,35 Bil.
Average Payables
0,16 Bil.
Average Inventory
-912503171
Debt to Market Cap
0.51

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Mechanics Bank Dividends
Year Dividends Growth
2007 335
2008 340 1.47%
2009 540 37.04%
2010 440 -22.73%
2011 440 0%
2012 440 0%
2013 440 0%
2014 440 0%
2021 3.379 86.98%
2022 3.660 7.68%
2023 1.648 -122.09%
2024 1.479 -11.43%

Mechanics Bank Profile

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
Mr. John W. DeCero
Employee
1.800
Address
1350 North Main Street
Walnut Creek, 94596

Mechanics Bank Executives & BODs

Mechanics Bank Executives & BODs
# Name Age
1 Mr. John W. DeCero
Pres, Chief Executive Officer & Director
70
2 Fernando Buesa
Senior Vice President
70
3 Ms. Pamela L. Tulley
Senior Vice President & Director of Internal Audit
70
4 Ms. Alicia Gagliano
Chief HR Officer
70
5 Mr. Gary M. Staring
Senior Vice President
70
6 Mr. Glenn C. Shrader
Executive Vice President & Gen. Counsel
70
7 Mr. Nathan J. Duda
Executive Vice President & Chief Financial Officer
70
8 Mr. Christopher D. Pierce
Executive Vice President & Chief Operating Officer
70
9 Ms. Kristie S. Shields
Executive Vice President & Chief Compliance Counsel
70
10 Mr. David Louis
Senior Vice President and Director of Marketing & Communications
70

Mechanics Bank Competitors