Mechanics Bancorp
MCHB · State Commercial Banks · 18.9M shares · +67%/yr ↑ dilution · EDGAR filings ↗
Net buyback after stock comp: $80M (gross $84M, SBC $5M)
Reference price $15.13 · est. market cap ~$286M — last insider sale, 2026-06-15 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B70Mechanics Bancorp — California bank with solid returns, low leverage.
Strengths
- High net margin (83rd pct), ROA (70th), strong cash (90th)
- Very low leverage (24th)
Risks
- ROE 9.3% (43rd) average
- Regional concentration; rate sensitivity
Notable findings
- Chronic dilutionShare count +67%/yr over 4y (dilution, book value/share -49%)
- Strong balance sheetStrong balance sheet — $1.0B cash & investments
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
534.4%
Return on equity
9.3%
Return on assets
1.2%
Revenue growth (QoQ)
-7.4%
Debt / equity
0.1×
Free cash flow
$187M
Tangible book value
$1.8B
Cash & investments
$1.0B
Stock comp / revenue
11.2%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-15 | Downer Edward Michael | Sell | 2 | $15.13 |
| 2026-05-27 | Crowe Adrienne Y | Option exercise | 3.3K | — |
| 2026-05-27 | Downer Douglas E | Option exercise | 3.3K | — |
| 2026-05-27 | Wilcox Jon R | Option exercise | 3.3K | — |
| 2026-05-27 | Cochran Patricia | Option exercise | 3.3K | — |
| 2026-05-27 | Downer Edward Michael | Option exercise | 3.3K | — |
| 2026-03-01 | Pierce Christopher D | Grant | 7.6K | — |
| 2026-03-01 | Pelayo Fernando | Grant | 4.5K | — |
| 2026-03-01 | Givans Scott A. | Grant | 6.6K | — |
| 2026-03-01 | Kallingal Tony P | Grant | 6.0K | — |
| 2026-03-01 | Shrader Glenn C | Grant | 3.4K | — |
| 2026-03-01 | Shields Kristie S | Grant | 4.2K | — |
| 2026-03-01 | Duda Nathan | Grant | 7.6K | — |
| 2026-02-15 | Shrader Glenn C | Tax withheld | 1.0K | $15.37 |
| 2026-02-15 | Shields Kristie S | Tax withheld | 808 | $15.37 |
| 2026-02-15 | Shields Kristie S | Option exercise | 2.9K | — |
| 2026-02-15 | Shields Kristie S | Tax withheld | 1.2K | $15.37 |
| 2026-02-15 | Shrader Glenn C | Option exercise | 3.0K | — |
| 2026-02-15 | Shrader Glenn C | Tax withheld | 1.2K | $15.37 |
| 2026-02-15 | Shrader Glenn C | Option exercise | 1.7K | — |
| 2026-02-15 | Shrader Glenn C | Tax withheld | 708 | $15.37 |
| 2026-02-15 | Shrader Glenn C | Option exercise | 2.5K | — |
| 2026-02-15 | Kallingal Tony P | Option exercise | 4.6K | — |
| 2026-02-15 | Kallingal Tony P | Tax withheld | 1.9K | $15.37 |
| 2026-02-15 | Pelayo Fernando | Option exercise | 2.5K | — |
| 2026-02-15 | Pelayo Fernando | Tax withheld | 1.0K | $15.37 |
| 2026-02-15 | Duda Nathan | Option exercise | 2.6K | — |
| 2026-02-15 | Duda Nathan | Tax withheld | 1.8K | $15.37 |
| 2026-02-15 | Givans Scott A. | Option exercise | 4.2K | — |
| 2026-02-15 | Givans Scott A. | Tax withheld | 1.7K | $15.37 |
| 2026-02-15 | Pierce Christopher D | Option exercise | 4.6K | — |
| 2026-02-15 | Pierce Christopher D | Tax withheld | 1.9K | $15.37 |
| 2026-02-15 | Shields Kristie S | Option exercise | 3.4K | — |
| 2026-02-15 | Shields Kristie S | Tax withheld | 1.4K | $15.37 |
| 2026-02-15 | Shields Kristie S | Option exercise | 2.0K | — |
| 2025-12-31 | Pelayo Fernando | Tax withheld | 1.1K | $14.63 |
| 2025-12-31 | Duda Nathan | Tax withheld | 4.9K | $14.63 |
| 2025-12-31 | Kallingal Tony P | Tax withheld | 4.4K | $14.63 |
| 2025-12-31 | Pierce Christopher D | Tax withheld | 4.9K | $14.63 |
| 2025-12-31 | Shields Kristie S | Tax withheld | 1.3K | $14.63 |
| 2025-12-31 | Shrader Glenn C | Tax withheld | 1.0K | $14.63 |
| 2025-12-31 | Givans Scott A. | Tax withheld | 4.7K | $14.63 |
| 2025-10-07 | Downer Douglas E | Gift | 75K | — |
| 2025-10-07 | Downer Douglas E | Gift | 75K | — |
| 2025-09-26 | Kallingal Tony P | Grant | 20K | — |
| 2025-09-26 | Givans Scott A. | Grant | 19K | — |
| 2025-09-26 | Pelayo Fernando | Grant | 13K | — |
| 2025-09-26 | Shields Kristie S | Grant | 15K | — |
| 2025-09-26 | Pierce Christopher D | Grant | 22K | — |
| 2025-09-26 | Duda Nathan | Grant | 22K | — |
| 2025-09-26 | Shrader Glenn C | Grant | 12K | — |
| 2025-09-02 | MASON MARK K | Grant | 15K | — |
| 2025-09-02 | MASON MARK K | Grant | 33K | — |
| 2025-09-02 | MASON MARK K | Tax withheld | 14K | $13.87 |
| 2025-09-02 | VAN AMEN DARRELL | Grant | 3.1K | — |
| 2025-09-02 | VAN AMEN DARRELL | Grant | 9.8K | — |
| 2025-09-02 | MASON MARK K | Tax withheld | 6.4K | $13.87 |
| 2025-09-02 | Downer Douglas E | Grant | 2.5M | — |
| 2025-09-02 | Downer Douglas E | Grant | 1.1M | — |
| 2025-09-02 | Downer Edward Michael | Grant | 13K | — |
| 2025-09-02 | Downer Edward Michael | Grant | 1.5M | — |
| 2025-09-02 | Downer Edward Michael | Grant | 1.1M | — |
| 2025-09-02 | Downer Edward Michael | Grant | 1.2M | — |
| 2025-09-02 | Downer Edward Michael | Grant | 1.1M | — |
| 2025-09-02 | Downer Edward Michael | Grant | 1.1M | — |
| 2025-09-02 | Downer Edward Michael | Grant | 79K | — |
| 2025-09-02 | Wilcox Jon R | Grant | 13K | — |
| 2025-09-02 | Crowe Adrienne Y | Grant | 13K | — |
| 2025-09-02 | Cochran Patricia | Grant | 13K | — |
| 2025-09-02 | Pierce Christopher D | Grant | 11K | — |
| 2025-09-02 | Kallingal Tony P | Grant | 10K | — |
| 2025-09-02 | Duda Nathan | Grant | 15K | — |
| 2025-09-02 | Givans Scott A. | Grant | 15K | — |
| 2025-09-02 | MASON MARK K | Grant | 15K | — |
| 2025-09-02 | MASON MARK K | Tax withheld | 5.8K | $13.87 |
| 2025-09-02 | MASON MARK K | Grant | 33K | — |
| 2025-09-02 | MASON MARK K | Tax withheld | 13K | $13.87 |
| 2025-09-02 | WEBB CARL B | Grant | 81.1M | — |
| 2025-09-02 | WEBB CARL B | Grant | 90.6M | — |
| 2025-09-02 | Parr David L | Grant | 2.3K | — |
| 2025-09-02 | Parr David L | Tax withheld | 920 | $13.87 |
| 2025-09-02 | Parr David L | Grant | 7.9K | — |
| 2025-09-02 | Parr David L | Tax withheld | 3.2K | $13.87 |
| 2025-09-02 | MICHEL JOHN | Grant | 5.1K | — |
| 2025-09-02 | MICHEL JOHN | Grant | 16K | — |
| 2025-09-02 | Price Marlene L | Grant | 1.2K | — |
| 2025-09-02 | Price Marlene L | Tax withheld | 324 | $13.87 |
| 2025-09-02 | Price Marlene L | Grant | 3.8K | — |
| 2025-09-02 | Price Marlene L | Tax withheld | 1.0K | $13.87 |
| 2025-09-02 | Hand Erik D | Grant | 966 | — |
| 2025-09-02 | Hand Erik D | Grant | 3.0K | — |
| 2025-09-02 | Endresen William | Grant | 3.7K | — |
| 2025-09-02 | Endresen William | Grant | 12K | — |
| 2025-09-02 | EVANS GODFREY B | Grant | 2.8K | — |
| 2025-09-02 | EVANS GODFREY B | Grant | 8.9K | — |
| 2025-09-02 | LEMON PAULETTE | Grant | 2.0K | — |
| 2025-09-02 | LEMON PAULETTE | Tax withheld | 529 | $13.87 |
| 2025-09-02 | LEMON PAULETTE | Grant | 6.4K | — |
| 2025-09-02 | LEMON PAULETTE | Tax withheld | 1.7K | $13.87 |
| 2025-09-02 | Novak Diane P | Grant | 1.6K | — |
| 2025-09-02 | Novak Diane P | Tax withheld | 432 | $13.87 |
| 2025-09-02 | Novak Diane P | Grant | 6.5K | — |
| 2025-09-02 | Novak Diane P | Tax withheld | 1.7K | $13.87 |
| 2025-09-02 | ISEMAN JAY C | Grant | 2.5K | — |
| 2025-09-02 | ISEMAN JAY C | Tax withheld | 689 | $13.87 |
| 2025-09-02 | ISEMAN JAY C | Grant | 8.2K | — |
| 2025-09-02 | ISEMAN JAY C | Tax withheld | 2.2K | $13.87 |
| 2025-01-01 | MASON MARK K | Option exercise | 2.6K | — |
| 2025-01-01 | MASON MARK K | Tax withheld | 1.2K | $11.42 |
| 2025-01-01 | MASON MARK K | Option exercise | 4.9K | — |
| 2025-01-01 | MASON MARK K | Tax withheld | 2.2K | $11.42 |
| 2025-01-01 | MASON MARK K | Option exercise | 16K | — |
| 2025-01-01 | MASON MARK K | Tax withheld | 6.4K | $11.42 |
| 2025-01-01 | MICHEL JOHN | Option exercise | 883 | — |
| 2025-01-01 | MICHEL JOHN | Tax withheld | 268 | $11.42 |
| 2025-01-01 | MICHEL JOHN | Option exercise | 1.7K | — |
| 2025-01-01 | MICHEL JOHN | Tax withheld | 515 | $11.42 |
| 2025-01-01 | MICHEL JOHN | Option exercise | 5.3K | — |
| 2025-01-01 | MICHEL JOHN | Tax withheld | 1.6K | $11.42 |
| 2025-01-01 | Novak Diane P | Option exercise | 145 | — |
| 2025-01-01 | Novak Diane P | Tax withheld | 45 | $11.42 |
| 2025-01-01 | Novak Diane P | Option exercise | 532 | — |
| 2025-01-01 | Novak Diane P | Tax withheld | 165 | $11.42 |
| 2025-01-01 | Novak Diane P | Option exercise | 2.2K | — |
| 2025-01-01 | Novak Diane P | Tax withheld | 665 | $11.42 |
| 2025-01-01 | Parr David L | Option exercise | 373 | — |
| 2025-01-01 | Parr David L | Tax withheld | 116 | $11.42 |
| 2025-01-01 | Parr David L | Option exercise | 768 | — |
| 2025-01-01 | Parr David L | Tax withheld | 238 | $11.42 |
| 2025-01-01 | Parr David L | Option exercise | 2.6K | — |
| 2025-01-01 | Parr David L | Tax withheld | 818 | $11.42 |
| 2025-01-01 | VAN AMEN DARRELL | Option exercise | 542 | — |
| 2025-01-01 | VAN AMEN DARRELL | Tax withheld | 165 | $11.42 |
| 2025-01-01 | VAN AMEN DARRELL | Option exercise | 1.0K | — |
| 2025-01-01 | VAN AMEN DARRELL | Tax withheld | 317 | $11.42 |
| 2025-01-01 | VAN AMEN DARRELL | Option exercise | 3.3K | — |
| 2025-01-01 | VAN AMEN DARRELL | Tax withheld | 996 | $11.42 |
| 2025-01-01 | LEMON PAULETTE | Option exercise | 335 | — |
| 2025-01-01 | LEMON PAULETTE | Tax withheld | 104 | $11.42 |
| 2025-01-01 | LEMON PAULETTE | Option exercise | 651 | — |
| 2025-01-01 | LEMON PAULETTE | Tax withheld | 202 | $11.42 |
| 2025-01-01 | LEMON PAULETTE | Option exercise | 2.1K | — |
| 2025-01-01 | LEMON PAULETTE | Tax withheld | 658 | $11.42 |
| 2025-01-01 | ISEMAN JAY C | Option exercise | 441 | — |
| 2025-01-01 | ISEMAN JAY C | Tax withheld | 137 | $11.42 |
| 2025-01-01 | ISEMAN JAY C | Option exercise | 848 | — |
| 2025-01-01 | ISEMAN JAY C | Tax withheld | 262 | $11.42 |
| 2025-01-01 | ISEMAN JAY C | Option exercise | 2.7K | — |
| 2025-01-01 | ISEMAN JAY C | Tax withheld | 842 | $11.42 |
| 2025-01-01 | Hand Erik D | Option exercise | 168 | — |
| 2025-01-01 | Hand Erik D | Option exercise | 322 | — |
| 2025-01-01 | Hand Erik D | Option exercise | 1.0K | — |
| 2025-01-01 | EVANS GODFREY B | Option exercise | 487 | — |
| 2025-01-01 | EVANS GODFREY B | Tax withheld | 190 | $11.42 |
| 2025-01-01 | EVANS GODFREY B | Option exercise | 938 | — |
| 2025-01-01 | EVANS GODFREY B | Tax withheld | 365 | $11.42 |
| 2025-01-01 | EVANS GODFREY B | Option exercise | 3.0K | — |
| 2025-01-01 | EVANS GODFREY B | Tax withheld | 1.1K | $11.42 |
| 2025-01-01 | Endresen William | Option exercise | 647 | — |
| 2025-01-01 | Endresen William | Tax withheld | 266 | $11.42 |
| 2025-01-01 | Endresen William | Option exercise | 1.2K | — |
| 2025-01-01 | Endresen William | Tax withheld | 512 | $11.42 |
| 2025-01-01 | Endresen William | Option exercise | 3.9K | — |
| 2025-01-01 | Endresen William | Tax withheld | 1.6K | $11.42 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-01 | 2026-05-28 | 0001518715-26-000052 ↗ |
| 8-K | 2026-05-13 | 2026-05-13 | 0001518715-26-000048 ↗ |
| 10-Q | 2026-05-08 | 2026-03-31 | 0001518715-26-000046 ↗ |
| 8-K | 2026-05-05 | 2026-05-01 | 0001518715-26-000043 ↗ |
| 8-K | 2026-04-30 | 2026-04-30 | 0001518715-26-000041 ↗ |
| 10-K | 2026-03-17 | 2025-12-31 | 0001518715-26-000026 ↗ |
| 8-K | 2026-02-27 | 2026-02-25 | 0001518715-26-000020 ↗ |
| 8-K | 2026-01-30 | 2026-01-30 | 0001518715-26-000012 ↗ |
| 8-K | 2025-12-09 | 2025-12-03 | 0001140361-25-045033 ↗ |
| 8-K | 2025-11-26 | 2025-11-26 | 0001518715-25-000188 ↗ |
| 10-Q | 2025-11-17 | 2025-09-30 | 0001518715-25-000181 ↗ |
| 8-K | 2025-10-30 | 2025-10-30 | 0001518715-25-000177 ↗ |