Mechanics Bancorp (MCHB) Stock Analysis
Financial Services · Banks - Regional
Sell if holding. Engine safety override at $14.88: Risk below floor (2.5 < 3.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10. Specifically: High short interest: 11%; Elevated put/call ratio: 6.40; Negative price momentum.
Mechanics Bancorp operates Mechanics Bank, a full-service community bank with 166 branches in California, Oregon, Washington, and Hawaii following the 2025 merger with HomeStreet Bank. It provides commercial banking, mortgage, consumer, private banking, and wealth management... Read more
Sell if holding. Engine safety override at $14.88: Risk below floor (2.5 < 3.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10. Specifically: High short interest: 11%; Elevated put/call ratio: 6.40; Negative price momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.7/10, moderate confidence.
Passes 4/6 gates (clean insider activity, no SEC red flags, earnings proximity no date, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMGeographicgeographic concentration10-K Item 1A: 'our geographic concentration, which may magnify the adverse effects and consequences of any regional or local economic downturn'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers
Risk profile below the gate floor. Component breakdown shows what dragged the score down.static
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $14.88: Risk below floor (2.5 < 3.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10. Specifically: High short interest: 11%; Elevated put/call ratio: 6.40; Negative price momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $13.83. Score 5.7/10, moderate confidence.
Take-profit target: $15.57 (+4.9% upside). Prior stop was $13.83. Stop-loss: $13.83.
Target reached (-5.5% upside); Risk below floor (2.5 < 3.0).
Mechanics Bancorp trades at a P/E of 12.3 (forward 11.0). TrendMatrix value score: 8.1/10. Verdict: Sell.
6 analysts cover MCHB with a consensus score of 2.2/5. Average price target: $17.
What does Mechanics Bancorp do?Mechanics Bancorp operates Mechanics Bank, a full-service community bank with 166 branches in California, Oregon,...
Mechanics Bancorp operates Mechanics Bank, a full-service community bank with 166 branches in California, Oregon, Washington, and Hawaii following the 2025 merger with HomeStreet Bank. It provides commercial banking, mortgage, consumer, private banking, and wealth management services headquartered in Walnut Creek, California.