Mechanics Bancorp (MCHB)


Market Price (11/9/2026): $14.72 | Market Cap: $3.3 BilSector: Financials | Industry: Regional Banks

Mechanics Bancorp (MCHB)


Market Price (11/9/2026): $14.72
Market Cap: $3.3 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 18%, Dividend Yield is 9.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 14%, FCF Yield is 5.6%

Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 31%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 25%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 24%

Low stock price volatility
Vol 12M is 27%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.

Key risks
MCHB key risks include [1] integration challenges and costs from its recent merger and [2] a concentrated dependence on Western US regional economies.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 18%, Dividend Yield is 9.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 14%, FCF Yield is 5.6%
1 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 31%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 25%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 24%
3 Low stock price volatility
Vol 12M is 27%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.
5 Key risks
MCHB key risks include [1] integration challenges and costs from its recent merger and [2] a concentrated dependence on Western US regional economies.

MCHB in ETFs

Weight = MCHB's share of each fund

VTI0.00%
ITOT0.00%
IWM0.02%
KRE0.25%
IWN0.04%
VTWO0.02%
SCHA0.01%
ONEQ0.01%
+5 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

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Updated on 11/1/2026

Mechanics Bancorp (MCHB) stock has lost about 10% since 7/31/2026 because of the following key factors:

1. Mechanics Bancorp reported a significant decline in net income for fiscal Q3 2026 (ended September 30, 2026), falling by 20.29% quarter-over-quarter. While the company's diluted earnings per share (EPS) of $0.20 beat the Street's consensus estimate of $0.19, net income decreased to $46.0 million from $57.7 million in fiscal Q2 2026. This drop in profitability was a core factor influencing the stock's negative trend.

2. The company incurred substantial noninterest income losses from strategic balance sheet restructuring initiatives during the period. Mechanics Bancorp reported a net loss of $13.4 million in noninterest income for fiscal Q3 2026. This was primarily driven by a $10.3 million loss on the sale of $417 million in performing indirect auto loans in September 2026, and a $32.3 million pre-tax loss from the sale of $308 million of lower-yielding Available-for-Sale (AFS) securities in late July 2026. Although these actions were aimed at optimizing the balance sheet and enhancing future earnings, the immediate realized losses weighed on current quarter results.

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Updated on 11/1/2026

Mechanics Bancorp (MCHB) stock has lost about 10% since 7/31/2026 because of the following key factors:

1. Mechanics Bancorp reported a significant decline in net income for fiscal Q3 2026 (ended September 30, 2026), falling by 20.29% quarter-over-quarter. While the company's diluted earnings per share (EPS) of $0.20 beat the Street's consensus estimate of $0.19, net income decreased to $46.0 million from $57.7 million in fiscal Q2 2026. This drop in profitability was a core factor influencing the stock's negative trend.

2. The company incurred substantial noninterest income losses from strategic balance sheet restructuring initiatives during the period. Mechanics Bancorp reported a net loss of $13.4 million in noninterest income for fiscal Q3 2026. This was primarily driven by a $10.3 million loss on the sale of $417 million in performing indirect auto loans in September 2026, and a $32.3 million pre-tax loss from the sale of $308 million of lower-yielding Available-for-Sale (AFS) securities in late July 2026. Although these actions were aimed at optimizing the balance sheet and enhancing future earnings, the immediate realized losses weighed on current quarter results.

3. Rising funding costs and a contracting net interest margin, alongside a cautious forward outlook in a challenging interest rate environment, contributed to investor concerns. Mechanics Bancorp's cost of deposits increased to 1.33% in fiscal Q3 2026 from 1.25% in the prior quarter, leading to a 7 basis point contraction in the net interest margin (NIM) to 3.55%. Management also modestly reduced its 2027 guidance for Return on Average Tangible Common Equity (ROATCE) and Return on Average Assets (ROAA), citing the challenging interest rate environment. The bank remains liability-sensitive, with a $4.6 billion gap between floating rate assets and rate-sensitive deposits, making it vulnerable to continued increases in short-term interest rates.

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Stock Movement Drivers

Fundamental Drivers

The -10.9% change in MCHB stock from 7/31/2026 to 11/8/2026 was primarily driven by a -28.8% change in the company's P/E Multiple.
(LTM values as of)731202611082026Change
Stock Price ($)16.5314.72-10.9%
Change Contribution By: 
Total Revenues ($ Mil)47258824.6%
Net Income Margin (%)30.3%30.2%-0.2%
P/E Multiple23.316.6-28.8%
Shares Outstanding (Mil)2022010.6%
Cumulative Contribution-10.9%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/8/2026
ReturnCorrelation
MCHB-10.9% 
Market (SPY)-1.6%19.5%
Sector (XLF)0.4%51.6%

Fundamental Drivers

The 6.2% change in MCHB stock from 4/30/2026 to 11/8/2026 was primarily driven by a 43.5% change in the company's P/E Multiple.
(LTM values as of)430202611082026Change
Stock Price ($)13.8614.726.2%
Change Contribution By: 
Total Revenues ($ Mil)663588-11.3%
Net Income Margin (%)40.1%30.2%-24.5%
P/E Multiple11.616.643.5%
Shares Outstanding (Mil)22220110.6%
Cumulative Contribution6.2%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/8/2026
ReturnCorrelation
MCHB6.2% 
Market (SPY)2.6%11.6%
Sector (XLF)10.0%44.6%

Fundamental Drivers

The 22.1% change in MCHB stock from 10/31/2025 to 11/8/2026 was primarily driven by a 63.1% change in the company's Total Revenues ($ Mil).
(LTM values as of)1031202511082026Change
Stock Price ($)12.0614.7222.1%
Change Contribution By: 
Total Revenues ($ Mil)36158863.1%
Net Income Margin (%)29.4%30.2%2.8%
P/E Multiple23.016.6-27.6%
Shares Outstanding (Mil)2022010.6%
Cumulative Contribution22.1%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/8/2026
ReturnCorrelation
MCHB22.1% 
Market (SPY)8.7%26.7%
Sector (XLF)10.5%47.6%

Fundamental Drivers

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Market Drivers

10/31/2023 to 11/8/2026
ReturnCorrelation
MCHB209.5% 
Market (SPY)81.9%25.8%
Sector (XLF)84.4%36.0%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
MCHB Return58%-45%-61%11%17%10%-51%
Peers Return39%-17%3%21%9%8%68%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
MCHB Win Rate75%42%42%58%58%64% 
Peers Win Rate62%50%42%52%55%45% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
MCHB Max Drawdown-24%-58%-84%-48%-25%-16% 
Peers Max Drawdown-22%-34%-58%-21%-29%-21% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: EWBC, ZION, COLB, WAL, BOH.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/6/2026 (YTD)

How Low Can It Go

EventMCHBS&P 500
2025 US Tariff Shock
  % Loss-17.1%-18.8%
  % Gain to Breakeven20.6%23.1%
  Time to Breakeven20 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-47.9%-9.5%
  % Gain to Breakeven92.0%10.5%
  Time to Breakeven47 days24 days
2020 COVID-19 Crash
  % Loss-39.9%-33.7%
  % Gain to Breakeven66.3%50.9%
  Time to Breakeven225 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-22.4%-19.2%
  % Gain to Breakeven28.8%23.8%
  Time to Breakeven52 days105 days
2015-2016 China Devaluation / Global Growth Scare
  % Loss-15.3%-12.2%
  % Gain to Breakeven18.0%13.9%
  Time to Breakeven71 days62 days
2014-2016 Oil Price Collapse
  % Loss-11.5%-6.8%
  % Gain to Breakeven13.0%7.3%
  Time to Breakeven101 days15 days

Compare to EWBC, ZION, COLB, WAL, BOH

In The Past

Mechanics Bancorp's stock fell -17.1% during the 2025 US Tariff Shock. Such a loss loss requires a 20.6% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventMCHBS&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-47.9%-9.5%
  % Gain to Breakeven92.0%10.5%
  Time to Breakeven47 days24 days
2020 COVID-19 Crash
  % Loss-39.9%-33.7%
  % Gain to Breakeven66.3%50.9%
  Time to Breakeven225 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-22.4%-19.2%
  % Gain to Breakeven28.8%23.8%
  Time to Breakeven52 days105 days

Compare to EWBC, ZION, COLB, WAL, BOH

In The Past

Mechanics Bancorp's stock fell -17.1% during the 2025 US Tariff Shock. Such a loss loss requires a 20.6% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Mechanics Bancorp (MCHB)

HomeStreet, Inc. operates as the bank holding company for HomeStreet Bank that provides commercial, mortgage, and consumer/retail banking services primarily in the Western United States. The company offers personal and business checking, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit; credit cards; insurance; and treasury management products and services. Its loan products include commercial business and agriculture loans, single family residential mortgages, consumer loans, commercial loans secured by residential and commercial real estate, and construction loans for residential and commercial real estate development, as well as consumer installment loans and permanent loans on commercial real estate and single-family residences. In addition, the company offers its products and services through bank branches, loan production offices, and ATMs, as well as through online, mobile, and telephone banking. As of December 31, 2021, it operated 60 full-service bank branches located in Washington state, Northern and Southern California, the Portland, Oregon, and Hawaii; and five primary stand-alone commercial lending centers in Central Washington, Oregon, Southern California, Idaho, and Utah. HomeStreet, Inc. serves small and medium sized businesses, real estate investors, professional firms, and individuals. The company was formerly known as Continental Mortgage and Loan Company. HomeStreet, Inc. was incorporated in 1921 and is headquartered in Seattle, Washington.

AI Analysis | Feedback

A regional full-service bank for the Western US, like a smaller Wells Fargo.

Think of it as a Western US version of US Bank, serving both consumers and businesses.

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C.J. Johnson, President and Chief Executive Officer

Mr. Johnson has been President and Chief Executive Officer of Mechanics Bank since January 2025, having served in an interim capacity since February 2024. He is also a Partner of Ford Financial Fund, which has been the majority owner of Mechanics Bank since 2015. Previously, he held the role of Executive Vice President and Chief Financial Officer of Mechanics Bank. With nearly 20 years of experience in financial services leadership, Mr. Johnson previously served as Senior Vice President and Director of Financial Planning at Santa Barbara Bank & Trust, which he joined in 2010. Before that, he was an Associate at Flexpoint Ford, a private equity firm specializing in financial services investments. He began his career as an investment banking Analyst at Credit Suisse. Mr. Johnson has been instrumental in executing Ford Financial Fund's acquisition strategy, contributing to Mechanics Bank's growth from $3 billion in assets in 2015 to nearly $17 billion. He also chairs the Board of Directors of Richmond Housing Renovation, LLC, a non-profit organization. Mr. Johnson holds a B.A. in Economics from the University of Michigan.

Nathan Duda, Executive Vice President and Chief Financial Officer

Mr. Duda was appointed Chief Financial Officer of Mechanics Bancorp on September 2, 2025. He has served as Executive Vice President and Chief Financial Officer of Mechanics Bank since June 2016. Prior to becoming CFO, he was the Chief Accounting Officer for Mechanics Bank. Before joining Mechanics Bank, Mr. Duda was Chief Accounting Officer and Executive Vice President, Finance, at Banc of California. His career also includes senior positions at Union Bank, Santa Barbara Bank & Trust, OneWest Bank, and Affinity Bank. Mr. Duda is a licensed CPA and holds a degree in Business Economics from the University of California, Santa Barbara.

Carl B. Webb, Executive Chairman of the Board

Mr. Webb serves as Executive Chairman of Mechanics Bancorp and has been Chairman of the Board for Mechanics Bank since 2015. He is also the Managing Partner of the Ford Financial Funds, the majority owner of Mechanics Bank, and brings over 40 years of banking industry experience. Mr. Webb previously held the position of Chief Executive Officer of Pacific Capital Bancorp, a portfolio company of the Ford Financial Fund. From 1994 to 2002, he was President, Chief Operating Officer, and a Director of Golden State Bancorp and California Federal Bank, FSB. Prior to that, he served as President and Chief Operating Officer of First Gibraltar Bank, FSB from its inception in 1988 until its sale in 1994. He began his tenure with Ford Bank Group, Inc. as President of First National Bank Lubbock in 1983. Mr. Webb currently serves as a Director of Hilltop Holdings Inc. and Prologis, Inc. He earned a B.B.A. degree from West Texas A&M University and is an alumnus of the Southwestern Graduate School of Banking at Southern Methodist University.

Chris Pierce, Executive Vice President, Chief Operating Officer

Mr. Pierce was appointed Executive Vice President, Chief Operating Officer of Mechanics Bank in December 2019, having joined the Bank in 2016 as Chief Administrative Officer. He has over 25 years of banking experience, starting his career as a consultant for a regional firm specializing in core data processing conversions and bank migrations, where he completed more than 140 such projects. His prior roles include positions with California Republic Bank (as Chief Administrative Officer), Western Financial Bank, and Wachovia Bank.

Tony Kallingal, Executive Vice President, Chief Banking Officer

Mr. Kallingal was appointed Executive Vice President and Chief Banking Officer of Mechanics Bank in January 2021. He previously served as Head of Business Banking. With over 20 years of experience, Mr. Kallingal is an accomplished executive in retail and commercial banking, with expertise spanning branch strategy, commercial banking, treasury management, and small-business banking. He is a graduate of Saint Mary's College and the Pacific Coast Banking School.

AI Analysis | Feedback

Here are the key risks to the business for Mechanics Bancorp (MCHB):

  1. Interest Rate Risk: Mechanics Bancorp faces substantial exposure to fluctuations in interest rates, which can significantly impact its net interest income and the overall value of its portfolio. Both increases and decreases in interest rates have the potential to adversely affect the company's financial performance.
  2. Integration Risks from Recent Merger: The company recently completed a major acquisition of HomeStreet Bank on September 2, 2025. This merger introduces significant integration risks and costs, including the challenge of combining operations, systems, and corporate cultures, as well as managing the expectations and maintaining the loyalty of customers from both legacy institutions during the transition.
  3. Dependence on Regional Economies: Mechanics Bancorp's operations are geographically concentrated across the Western United States, specifically in California, Oregon, Washington, and Hawaii. This concentration makes the company particularly susceptible to economic downturns or fluctuations within these regional economies, which could disproportionately affect its loan portfolio, deposit base, and potentially lead to increased credit losses and reduced liquidity.

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Addressable Markets for Mechanics Bancorp's Main Products and Services

Mechanics Bancorp (MCHB) operates as the financial holding company for Mechanics Bank, providing a comprehensive suite of banking services in California, Oregon, Washington, and Hawaii. Its main products and services fall into categories such as retail/consumer banking, commercial/business banking, and wealth management/trust services.

The addressable markets for these services are substantial within the United States and specifically in the Western US regions where the bank primarily operates.

  • Regional Banking Market: The overall market size for Regional Banks in the U.S. was approximately $483.8 billion in 2025.
  • Retail/Consumer Banking Market: The U.S. retail banking market generated a revenue of $454.3 billion in 2024 and is projected to reach $678.3 billion by 2033. Another estimate places the U.S. retail banking market size at $0.91 trillion in 2026, with a projection to reach $1.11 trillion by 2031. Consumer lending, a significant component of retail banking, had a global market size of $27 trillion and is growing. The U.S. loan market (including consumer loans and mortgages) was valued at $1,123.45 billion in 2024 and is expected to reach $1,872.45 billion by 2030.
  • Commercial/Business Banking Market: The U.S. commercial banking market size was estimated at $229 billion in 2023 and is expected to grow to $339 billion by 2032. Other reports indicate the U.S. commercial banking market size was $1.6 trillion in 2025 and is projected to be $1.6 trillion in 2026. Specifically, for commercial lending, the North American market is projected to reach a valuation of $2,892.50 billion by 2025.
  • Wealth Management and Trust Services Market: The global wealth management market size was valued at $1,636.83 billion in 2024 and is predicted to grow to approximately $4,893.17 billion by 2034. North America contributed about two-thirds of the global wealth management market revenue in 2022. The Trusts & Estates market in the U.S. was $290.1 billion in 2025. The broader Trust, Fiduciary, and Custody Activities industry has a total addressable market valued at approximately $150 billion.

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Peer Outperformance in Regional Banks

MCHB has trailed 98% of its 266 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that MCHB has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
36%
of 286 industry peers · 23.1% return
3Y
96%
of 277 industry peers · 179.3% return
5Y
2%
of 266 industry peers · -67.4% return
No Regional Banks peer with a comparable growth profile has beaten MCHB by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is MCHB's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 29.4%72.7%116.0% SPNT 167% · RGA 156% · RNR 127%
Diversified Banks 12 28.4%141.2%88.0% CM 145% · RY 127% · JPM 124%
Investment Banking & Brokerage 13 -6.7%89.5%85.6% IBKR 323% · SNEX 156% · GS 139%
Multi-Sector Holdings 4 8.8%60.0%80.0% BRK-B 98% · VOYA 62% · JEF 34%
Life & Health Insurance 20 9.7%57.7%76.6% JXN 500% · UNM 240% · FG 211%
Property & Casualty Insurance 42 13.8%73.5%66.7% TRV 174% · ACGL 165% · PGR 164%
Multi-line Insurance 9 5.4%70.7%56.0% AIZ 107% · GNW 101% · L 92%
Regional Banks ← 267 29.4%92.4%46.2% CBC 272% · FCNCA 172% · NIC 137%
Insurance Brokers 15 2.2%10.0%29.6% LIFE 297% · ARX 89% · WTW 51%
Financial Exchanges & Data 15 16.6%31.2%15.9% CBOE 182% · VIRT 132% · CME 71%
Asset Management & Custody Banks 85 -6.7%20.9%12.8% VCTR 233% · WT 209% · AAMI 204%
Consumer Finance 30 2.5%85.0%7.2% ENVA 337% · FCFS 129% · ECPG 90%
Commercial & Residential Mortgage Finance 14 -43.9%29.5%2.6% FNMA 348% · FMCC 305% · ACT 151%
Diversified Financial Services 4 -6.2%22.5%-0.8% FRHC 150% · EQH 71%
Specialized Finance 3 25.4%33.0%-20.4% CACC -20% · HASI -21%
Transaction & Payment Processing Services 17 23.6%10.4%-29.1% V 99% · MA 92% · CPAY 84%
Mortgage REITs 35 -20.5%-10.7%-38.7% RITM 34% · DX 16% · AGNC 10%
Diversified Capital Markets 20 -47.8%-4.9%-69.5% LPLA 81% · TW 37% · RIOT -54%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

MCHBEWBCZIONCOLBWALBOHMedian
NameMechanic.East Wes.Zions Ba.Columbia.Western .Bank of . 
Mkt Price14.72128.6064.7630.4575.5869.6667.21
Mkt Cap3.317.79.48.58.12.88.3
Rev LTM7713,1123,7582,7523,9417602,932
Op Inc LTM-------
FCF LTM1842,0812,1271,395-284205800
FCF 3Y Avg-1,6131,125849-1,824200849
CFO LTM1942,2112,2571,435-163255845
CFO 3Y Avg-1,6581,238884-1,724228884

Growth & Margins

MCHBEWBCZIONCOLBWALBOHMedian
NameMechanic.East Wes.Zions Ba.Columbia.Western .Bank of . 
Rev Chg LTM31.1%10.7%13.4%33.0%18.3%14.2%16.3%
Rev Chg 3Y Avg133.0%6.6%5.3%15.5%15.0%3.2%10.8%
Rev Chg Q34.2%5.7%2.3%19.4%8.0%12.9%10.4%
QoQ Delta Rev Chg LTM7.1%1.4%0.5%4.3%1.9%3.0%2.5%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM25.2%71.0%60.1%52.1%-4.1%33.5%42.8%
CFO/Rev 3Y Avg-58.3%35.0%37.4%-53.9%33.1%35.0%
FCF/Rev LTM23.8%66.9%56.6%50.7%-7.2%26.9%38.8%
FCF/Rev 3Y Avg-56.8%31.7%35.9%-56.8%29.2%31.7%

Valuation

MCHBEWBCZIONCOLBWALBOHMedian
NameMechanic.East Wes.Zions Ba.Columbia.Western .Bank of . 
Mkt Cap3.317.79.48.58.12.88.3
P/S4.25.72.53.12.13.63.4
P/Op Inc-------
P/EBIT-------
P/E11.612.17.710.28.111.710.9
P/CFO16.88.04.25.9-49.710.87.0
Total Yield18.0%10.6%15.8%14.8%14.7%12.7%14.8%
Dividend Yield9.3%2.3%2.9%5.0%2.4%4.1%3.5%
FCF Yield 3Y Avg-11.3%13.0%12.4%-19.5%7.7%11.3%
D/E0.10.20.30.50.80.20.2
Net D/E-0.1-0.1-1.10.2-1.0-1.0-0.6

Returns

MCHBEWBCZIONCOLBWALBOHMedian
NameMechanic.East Wes.Zions Ba.Columbia.Western .Bank of . 
1M Rtn3.2%3.1%3.6%7.3%1.8%4.3%3.4%
3M Rtn-10.1%-1.8%-7.3%-1.3%-6.6%-11.3%-6.9%
6M Rtn5.8%5.9%5.1%3.9%-6.7%-11.8%4.5%
12M Rtn23.1%27.0%27.8%18.9%-3.6%10.2%21.0%
3Y Rtn179.3%149.6%117.9%78.5%83.2%51.7%100.5%
1M Excs Rtn6.5%7.5%8.2%11.7%5.1%7.9%7.7%
3M Excs Rtn-5.7%3.0%-2.8%3.4%-0.8%-5.8%-1.8%
6M Excs Rtn6.1%6.1%5.4%4.2%-6.4%-11.5%4.8%
12M Excs Rtn15.0%22.5%20.1%12.2%-10.3%1.8%13.6%
3Y Excs Rtn129.8%83.7%57.4%10.5%15.7%-16.6%36.5%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Community Banking809380637695692
Total809380637695692


Price Behavior

Price Behavior
Market Price$14.72 
Market Cap ($ Bil)3.3 
First Trading Date09/02/2025 
Distance from 52W High-12.9% 
   50 Days200 Days
DMA Price$15.01$14.72
DMA Trenddownup
Distance from DMA-2.0%-0.0%
 3M1YR
Volatility19.4%27.5%
Downside Capture55.3754.31
Upside Capture4.3173.92
Correlation (S&P 500)23.6%27.1%
MCHB Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta-0.270.110.070.100.530.96
Up Beta-1.65-0.67-0.36-0.260.650.88
Down Beta-1.12-0.64-0.17-0.350.100.77
Up Capture6%20%-6%34%62%193%
Bmk +ve Days12182862130427
Stock +ve Days9162359123363
Down Capture20%76%68%35%66%102%
Bmk -ve Days10253664121325
Stock -ve Days13264066125373

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with MCHB
MCHB23.7%27.5%0.75-
Sector ETF (XLF)10.0%15.3%0.4147.6%
Equity (SPY)9.5%13.6%0.4026.8%
Gold (GLD)1.6%28.7%0.054.8%
Commodities (DBC)38.4%21.2%1.42-18.6%
Real Estate (VNQ)11.3%14.2%0.5134.3%
Bitcoin (BTCUSD)-27.2%43.6%-0.6116.5%

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Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with MCHB
MCHB-19.2%57.3%-0.15-
Sector ETF (XLF)9.0%18.4%0.3539.6%
Equity (SPY)11.3%17.3%0.4829.6%
Gold (GLD)17.5%19.1%0.74-0.2%
Commodities (DBC)8.1%19.6%0.303.2%
Real Estate (VNQ)1.3%18.9%-0.0435.5%
Bitcoin (BTCUSD)4.0%51.6%0.269.7%

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Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with MCHB
MCHB-4.5%48.0%0.09-
Sector ETF (XLF)13.2%22.1%0.5447.4%
Equity (SPY)15.0%18.0%0.7038.0%
Gold (GLD)11.9%16.5%0.59-2.0%
Commodities (DBC)7.5%18.1%0.3310.3%
Real Estate (VNQ)5.9%20.7%0.2438.6%
Bitcoin (BTCUSD)60.0%66.3%1.008.7%

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Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity4.0 Mil
Short Interest: % Change Since 9302026-0.1%
Average Daily Volume0.5 Mil
Days-to-Cover Short Interest7.4 days
Basic Shares Quantity221.1 Mil
Short % of Basic Shares1.8%

Earnings Returns History

Updated 11/6/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/28/2026-1.8%0.6% 
7/29/20264.1%5.4%1.3%
4/30/2026-2.7%-2.3%1.7%
1/30/20264.7%4.5%1.1%
10/30/2025-1.7%-3.2%9.0%
7/28/20250.5%-1.0%5.6%
4/28/2025-0.5%5.8%12.0%
1/27/2025-3.5%-3.9%-6.7%
...
SUMMARY STATS   
# Positive61012
# Negative181411
Median Positive4.0%4.7%8.0%
Median Negative-3.0%-5.5%-8.1%
Max Positive5.7%41.8%46.2%
Max Negative-35.2%-53.9%-59.7%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/28/2026-1.8%0.6% 
7/29/20264.1%5.4%1.3%
4/30/2026-2.7%-2.3%1.7%
1/30/20264.7%4.5%1.1%
10/30/2025-1.7%-3.2%9.0%
7/28/20250.5%-1.0%5.6%
4/28/2025-0.5%5.8%12.0%
1/27/2025-3.5%-3.9%-6.7%
10/29/2024-34.9%-29.6%-17.7%
7/29/20243.8%-3.3%8.1%
4/30/2024-10.4%-14.4%-28.2%
1/29/2024-2.6%-13.6%-8.1%
10/30/20235.7%41.8%46.2%
7/28/2023-8.4%4.8%-5.3%
4/24/2023-35.2%-53.9%-59.7%
1/27/2023-8.5%1.5%-12.8%
10/24/2022-3.3%-10.4%-6.9%
7/25/2022-6.3%-0.6%-3.8%
4/25/2022-4.8%-7.4%-9.1%
1/24/2022-2.3%-7.0%-1.2%
10/25/20212.5%7.3%21.2%
7/26/2021-2.1%0.0%7.8%
4/26/2021-2.1%-0.7%5.0%
1/25/2021-0.0%2.0%20.5%
SUMMARY STATS   
# Positive61012
# Negative181411
Median Positive4.0%4.7%8.0%
Median Negative-3.0%-5.5%-8.1%
Max Positive5.7%41.8%46.2%
Max Negative-35.2%-53.9%-59.7%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/17/202610-K
09/30/202511/17/202510-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/17/202610-K
09/30/202511/17/202510-Q

Insider Activity

Updated 6/17/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Downer, Edward Michael E M Downer Dynasty Trust UAD 11/28/03 FBO Michael DownerSell617202615.1323016,964,785Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Downer, Edward Michael E M Downer Dynasty Trust UAD 11/28/03 FBO Michael DownerSell617202615.1323016,964,785Form

Investor Activity (13F)

Updated Nov 9, 2026
13F holdings as of Mar 31, 2026 (Q1 2026)

Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Philadelphia Financial Management of San Francisco, LLC$8.0 Mil2.6%42TRIM -58.7%13F
Stieven Capital Advisors, L.P.$6.5 Mil1.4%35TRIM -8.7%13F
Philosophy Capital Management LLC$8.6 Mil1.0%36TRIM -6.7%13F
Active Manager
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Philadelphia Financial Management of San Francisco, LLC$8.0 Mil2.6%42TRIM -58.7%13F
Stieven Capital Advisors, L.P.$6.5 Mil1.4%35TRIM -8.7%13F
Philosophy Capital Management LLC$8.6 Mil1.0%36TRIM -6.7%13F
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Philosophy Capital Management LLC$8.6 Mil1.0%36TRIM -6.7%13F
Philadelphia Financial Management of San Francisco, LLC$8.0 Mil2.6%42TRIM -58.7%13F
Stieven Capital Advisors, L.P.$6.5 Mil1.4%35TRIM -8.7%13F
Core Cache Last Updated: 11/8/2026