OakChart

Mechanics Bancorp

MCHBFinancial·Banks - Regional·USA·Mid·NASD·Nov 11 • 12:00 PM ET

14.53-0.14 (-0.93%)
2026-11-11 18:01 CET
Market cap
3,396.16 USD m
Revenue, TTM
- USD m
Net income, TTM
272.08 USD m
Free cash flow, TTM
191.75 USD m
EPS diluted, TTM
1.19
P/E
12.20
Compare

Price

MCHB against its 20, 50 and 200-day averages
2050200beat
14.0015.0016.0017.001.0M2.0MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26MCHBclose 14.5320-day 14.7650-day 14.95200-day 15.2414.5352w high

16.4% under the 52-week high of 17.38 on 13 Aug 2026. 52-week low 13.02 on 17 Nov 2025. Last 15 sessions, 6.3% high to low

Profile

MCHB
52-week range, 35% of the way up
13.0217.38

Mechanics Bancorp is a financial holding company, which engages in the provision of commercial and consumer banking and real estate lending services. The company was founded in 1921 and is headquartered in Walnut Creek, CA.

IndexRUT
Employees1921
IPOFeb 10, 2012
Beta1.41
ATR, 14d0.35
Rel volume0.35
Short float16.93%
Insider own87.85%
Inst own10.55%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap3.36B
Enterprise Value-
Income272.08M
Sales1.04B
Book/sh11.09
Cash/sh-
Dividend Est.1.77 (12.20%)
Dividend TTM1.56 (10.73%)
Dividend Ex-DateAug 28, 2026
Dividend Gr. 3/5Y-46.87% -18.94%
Payout17.29%
Employees1921
IPOFeb 10, 2012

Ratios

P/E12.20
Forward P/E13.30
PEG1.02
P/S3.23
P/B1.31
P/C-
P/FCF17.55
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.05
Debt/Eq0.08
LT Debt/Eq0.08
Option/ShortYes / Yes

Earnings

EPS (ttm)1.19
EPS next Y1.09
EPS next Q0.26
EPS this Y22.42%
EPS next Y8.17%
EPS next 5Y12.99%
EPS past 3/5Y-29.69% -18.92%
Sales past 3/5Y35.16% 17.92%
EPS Y/Y TTM117.68%
Sales Y/Y TTM134.25%
EPS Q/Q-21.95%
Sales Q/Q5.00%
EarningsOct 28 AMC
EPS/Sales Surpr.-20.39% -18.92%

Ownership

Insider Own87.85%
Insider Trans-0.00%
Inst Own10.55%
Inst Trans-1.19%
ROA1.25%
ROE10.19%
ROIC9.80%
Gross Margin-
Oper. Margin31.17%
Profit Margin26.16%
SMA20-1.55%
SMA50-2.80%
SMA200-4.65%
Trades-

Technical

Shs Outstand220.36M
Shs Float28.14M
Short Float16.93%
Short Ratio9.09
Short Interest4.77M
52W High17.38 -16.36%
52W Low13.02 11.62%
Volatility2.63% 2.45%
ATR (14)0.35
RSI (14)43.59
Beta1.41
Rel Volume0.35
Avg Volume524.22K
Volume75,468

Performance

Perf Week-3.31%
Perf Month2.09%
Perf Quarter-15.11%
Perf Half Y1.91%
Perf YTD-0.66%
Perf Year10.35%
Perf 3Y174.21%
Perf 5Y-72.29%
Perf 10Y-47.06%
Recom2.25
Target Price16.12
Prev Close14.67
Price14.53
Change %-0.93%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Sep 18, 2026InitiatedSStephensEqual-Weight$17+17.0%
May 29, 2026InitiatedRRaymond JamesOutperform$17+17.0%
Apr 10, 2026InitiatedCCantor FitzgeraldOverweight$17+17.0%
Apr 01, 2025UpgradeJJanneyNeutral → Buy
Nov 05, 2024UpgradeWWedbushNeutral → Outperform$12-17.4%
Jun 20, 2024UpgradeJJanneyNeutral → Buy$13.50-7.1%
Apr 26, 2023DowngradeWWedbushOutperform → Neutral$21 → $12-17.4%
Feb 01, 2023UpgradePPiper SandlerUnderweight → Neutral$24 → $28+92.7%
Jan 31, 2023DowngradeKKeefe BruyetteOutperform → Mkt Perform$38 → $29+99.5%
Jun 14, 2022DowngradeRB. Riley SecuritiesBuy → Neutral$55 → $43+195.9%

Peers

Mkt cap
TickerCompanyMkt cap
BANCBanc of California Inc2.85B
CVBFCVB Financial Corp3.95B
WAFDWaFd Inc2.16B
CATYCathay General Bancorp4.29B
COLBColumbia Banking System Inc8.48B
TCBKTrico Bancshares1.66B
WABCWestamerica Bancorporation1.38B
HOPEHope Bancorp Inc1.68B
EWBCEast West Bancorp Inc17.82B
WALWestern Alliance Bancorp8.14B

Insider trading

6 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Downer Edward MichaelDirectorJun 15 '26Sale15.132301,121,268Jun 17 06:41 PM
Cochran PatriciaDirectorMay 27 '26Option Exercise0.003,301013,204May 29 07:08 PM
Downer Douglas EDirectorMay 27 '26Option Exercise0.003,30102,317,764May 29 07:07 PM
Wilcox Jon RDirectorMay 27 '26Option Exercise0.003,301013,204May 29 07:04 PM
Crowe Adrienne YDirectorMay 27 '26Option Exercise0.003,301013,204May 29 07:00 PM
Downer Edward MichaelDirectorMay 27 '26Option Exercise0.003,30101,511,898May 29 06:59 PM

Held by

AUM
TickerCompanyAUM
IWMiShares Russell 2000 Index FundAUM: 77.38B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
DESWisdomTree U.S. SmallCap Dividend FundAUM: 2.12B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
SCHASchwab U.S. Small-Cap ETFAUM: 22.25B
DHSWisdomTree U.S. High Dividend FundAUM: 1.66B
PSCPrincipal U.S. Small-Cap ETFAUM: 2.69B

News

latest 14 of 103
  • Mechanics Bancorp Beats On Cost Saves And Raises Dividend Outlook, But Rate Pressure Forces A Cut To 2027 Profitability Targets (Earnings Whispers)
  • Mechanics Bank: Q3 Earnings Snapshot (Associated Press)
  • Mechanics Bancorp Reports Third Quarter 2026 Results (Business Wire)
  • Mechanics Bancorp Needs HomeStreet Cost Savings To Outrun Rising Deposit Costs (Earnings Whispers)
  • Mechanics Bancorp Announces Date of Third Quarter 2026 Earnings Release and Conference Call (Business Wire)
  • Loading…
  • Mechanics Bank Completes Sale of Substantial Majority of Runoff Auto Loan Portfolio to Bank of America (Business Wire)
  • Mechanics Bancorp Declares Third Quarter 2026 Cash Dividend (Business Wire)
  • Community Bank Earnings Expose Diverging Multifamily Risks (CRE Daily)
  • Mechanics Bancorp Reports Second Quarter 2026 Results (Business Wire)
  • Mechanics Bancorp Announces Date of Second Quarter 2026 Earnings Release and Conference Call (Business Wire)
  • Mechanics Bancorp Declares Cash Dividend (Business Wire)
  • Mechanics Bank Completes Sale of Fannie Mae Delegated Underwriting and Servicing Business Line to Fifth Third Bank (Business Wire)
  • Mechanics Bancorp (MCHB) Q1 2026 Earnings Call Highlights: Strong Core Net Income and Strategic ... (GuruFocus.com)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-280.2230.2800.200161.47199.164
2026Q22026-07-290.2840.2500.259200.97199.333
2026Q12026-04-300.2140.2600.190200.07258.162
2025Q42026-01-300.2600.2600.535259.99-1
2025Q32025-10-300.250-0.0300.265255.4548.101
2025Q22025-07-28-0.2300.037-0.23348.9748.203
2025Q12025-04-28-0.240-0.067-0.23645.3646.613
2024Q42025-01-27-6.540-0.213-6.54040.3141.113
2024Q32024-10-29-0.390-0.243-0.38639.6842.564
2024Q22024-07-29-0.330-0.260-0.33142.9342.744
2024Q12024-04-30-0.400-0.137-0.39841.6146.633
2023Q42024-01-29-0.1800.018-0.18245.9549.814
2023Q32023-10-300.1200.0450.12249.3853.034
2023Q22023-07-28-1.6700.190-1.67553.7956.494
2023Q12023-04-240.2700.4030.27059.5763.084
2022Q42023-01-270.4500.7480.45065.3669.504

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.7901.7162.545507.52510.49
2018FY1.4801.3501.473440.38443.18
2019FY1.7701.4581.493269.1267.55
2020FY3.8503.4833.466357.46347.65
2021FY5.4605.3355.459347.03346.65
2022FY3.4903.7803.495280.61287.43
2023FY-1.460-1.265-1.465208.67213.6
2024FY-7.650-1.2430.137164.52166.93
2025FY0.8250.7801.220808.62-
2026FY-1.010--773.24
2027FY-1.093--794.8
2028FY-1.190--831.65

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-03404195.35194.52196.41
2026Q4S2026-11-02403197.95195204.93
2026Q4S2026-10-30402199.97195204.93
2026Q4S2026-10-29402201.47195204.93
2026Q4S2026-10-28402202.24198.1204.93
2026Q4S2026-10-09402202.24198.1204.93
2026Q4S2026-10-02401202.87198.1204.93
2026Q4S2026-09-21401203.7201.4204.93
2026Q4S2026-09-16401203.47201.4204.93
2026Q4S2026-08-27301203.75201.4204.93
2026Q4S2026-08-03300204.65204.1204.93
2026Q4S2026-07-29300205.28204.1206.83
2026Q4S2026-07-14300204.8203.4206.83
2026Q4S2026-05-27302204.8203.4206.83

Estimate history

EPS, annual2.5451.4731.4933.4665.4593.495-1.4650.1371.2151.191
Period201720182019202020212022202320242025TTM
EPS, quarterly-0.386-6.54-0.236-0.2330.2650.5350.190.2590.207
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual568.586345.868352.11388.652378.179358.88442.607594.023886.1641040.04
Period201720182019202020212022202320242025TTM
Sales, quarterly111.03823.67997.64998.129224.531278.475263.461262.34235.759
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual26.88826.99523.89121.79720.08518.7318.858212.029231.335231.505
Period201720182019202020212022202320242025MRQ
Shares, quarterly18.85818.85818.92118.921231.233231.335231.431231.456231.505
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income974.17811.76735.72399.74304.29244.29252.01277.61251.46
Total Interest Expense261.59226.05216.55232.9970.9817.2443.3588.2261.50
Net Interest Income712.58585.72519.17166.75233.31227.06208.66189.39189.96
Loan Loss Provision-33.6619.52-1.51-0.44-5.20-15.0020.47-0.503.00
Net Interest Income After Loan Loss Provision746.24566.20520.68167.19238.51242.06188.19189.89186.96
Non-Interest Income65.8674.40-141.6942.8654.59133.88136.6474.5094.41
Non-Interest Expense487.90393.15343.28202.96208.44229.25222.94215.69241.86
Operating Income324.20247.4635.707.1084.66146.69101.8948.7139.51
Unusual Expense-43.19-72.090.0039.860.000.000.000.000.00
Net Income Before Taxes357.54319.5535.70-32.7684.66146.69101.8948.7128.25
Income Taxes85.4653.816.70-5.2518.1231.2721.907.992.03
Consolidated Net Income272.08265.7429.00-27.5166.54115.4279.9940.0726.22
Net Income From Continuing Operations272.08265.7429.00-27.5166.54115.4279.9940.0726.22
Net Income272.08265.7429.00-27.5166.54115.4279.9938.4640.03
EPS (Recurring)-0.980.140.023.495.463.471.491.47
EPS (Basic, Before Extraordinaries)1.191.220.14-1.463.515.533.501.501.48
EPS (Diluted)1.191.210.14-1.463.495.463.471.491.47
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.00-0.650.00
Stock Option Compensation Expense7.934.423.633.614.112.481.730.261.81
Price To Earnings Ratio12.3212.32--6.179.529.6322.5614.41
Price To Sales Ratio3.163.614.080.441.462.912.002.491.67
Operating Margin31.1727.926.011.6023.5938.7926.2213.8311.42
Net Margin26.1629.994.88-6.2118.5430.5220.5810.9211.57
Shares Outstanding231.50231.34212.0318.8618.7320.0921.8023.8927.00
Market Capitalization3,396.163,396.16215.35193.74516.371,063.40735.34829.97573.04

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income239.16237.94241.94255.14204.8983.0485.7799.07
Total Interest Expense64.2560.7762.8973.6759.2249.1752.5469.46
Net Interest Income174.90177.17179.04181.47145.6733.8733.2229.62
Loan Loss Provision-15.18-2.777.77-23.4847.026.001.00-
Net Interest Income After Loan Loss Provision190.09179.94171.28204.9498.6527.8732.22-
Non-Interest Income-3.4024.4021.5223.3419.6415.0911.88-75.39
Non-Interest Expense116.70119.15126.14125.9299.6947.7448.8646.68
Operating Income69.9985.1966.67102.3618.61-4.78-4.75-92.46
Unusual Expense-2.315.924.79-51.59-26.490.000.000.00
Net Income Before Taxes62.4679.2661.87153.9545.10-4.78-4.75-92.46
Income Taxes16.4721.5617.7829.65-10.06-0.37-0.2930.87
Consolidated Net Income45.9957.7044.09124.3055.16-4.41-4.46-123.33
Net Income From Continuing Operations45.9957.7044.09124.3055.16-4.41-4.46-123.33
Net Income45.9957.7044.09124.3055.16-4.41-4.46-123.33
EPS (Recurring)0.200.280.20-0.18-0.23-0.24-6.54
EPS (Basic, Before Extraordinaries)0.210.260.190.540.26-0.23-0.24-6.54
EPS (Diluted)0.210.260.190.540.26-0.23-0.24-6.54
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.201.871.063.800.620.480.470.43
Price To Earnings Ratio12.3221.0244.59-----
Price To Sales Ratio3.163.443.964.866.250.750.640.60
Operating Margin29.6932.4725.3036.768.29-4.87-4.87-390.48
Net Margin19.5121.9916.7344.6424.57-4.50-4.57-520.83
Shares Outstanding231.50231.46231.43231.34231.2318.9218.9218.86
Market Capitalization3,396.163,679.753,413.423,220.052,925.83247.29222.13215.35

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks1,029.98999.71215.6672.8365.2158.0557.8858.5973.92
Investments5,493.984,593.371,298.971,418.431,192.101,465.931,182.521,067.631,583.63
Net Loans14,023.629,554.947,382.407,384.825,495.735,179.895,072.785,075.374,506.47
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets4.9915.603.671.840.731.381.390.460.66
Net Property, Plant & Equipment225.97170.9153.5851.1758.1565.10171.8588.11104.65
Interest Receivables53.1033.6028.9026.9017.8021.200.000.000.00
Deferred Tax Assets196.2096.3558.6158.8030.0938.7345.5429.8630.98
Other Intangible Assets1,444.131,070.34391.09396.87374.36445.54326.01752.07472.71
Total Assets22,471.9816,534.829,432.899,411.667,234.187,275.826,857.987,072.086,773.02
Total Deposits19,025.0013,941.806,763.387,451.926,146.515,821.565,339.964,888.564,760.95
Total Debt278.8156.092,004.811,283.25167.03448.64710.331,077.051,104.47
Long Term Debt140.6856.091,198.381,194.9265.0065.00168.531,058.0580.59
Provision for Risks Charges7.124.371.822.202.401.591.061.441.27
Deferred Tax Liabilities120.5044.7140.4446.9046.4054.1065.3376.6069.12
Other Liabilities178.18185.9884.0565.25156.50232.1961.57288.91132.82
Total Liabilities19,609.6014,232.958,894.508,849.516,518.846,558.076,178.266,332.566,068.64
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity2,862.382,301.87538.39562.15715.34717.75679.72739.52704.38
Total Shareholders Equity2,862.382,301.87538.39562.15715.34717.75679.72739.52704.38
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity2,862.382,301.87538.39562.15715.34717.75679.72739.52704.38
Total Liabilities & Stockholders Equity22,471.9816,534.829,432.899,411.667,234.187,275.826,857.987,072.086,773.02
Book Value Per Share12.3710.8628.5530.0135.6132.9328.4527.3926.20
Tangible Book Value Per Share7.816.7028.0428.4134.0431.4227.2626.5625.36
Tier 1 Capital1,854.13537.06675.44693.11723.23709.65691.32667.30614.62
Tier 2 Capital287.61140.17142.63144.7251.4669.6048.4948.5539.12
Full-Time Employees1,9211,4399029429911,0131,0712,0362,419
Price to Book Ratio1.320.400.390.931.461.021.200.781.16
Return on Assets1.740.22-0.290.801.591.130.580.381.06
Return on Equity16.312.04-5.0010.4216.1111.455.653.6310.34
Return on Invested Capital8.851.23-1.583.7914.7910.224.532.238.78
Current Ratio0.070.100.040.020.020.010.040.050.04

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations272.07210.01291.0223.55217.05181.005.46290.33298.10
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-68.26-16.421.24-9.8320.27-7.96-31.01-31.50-12.09
Cash from Operating Activities203.81193.59292.2613.72237.32173.03-25.55258.83286.01
Capital Expenditures-12.05-6.51-6.37-3.81-6.79-2.94-3.30-2.27-9.73
Net Assets From Acquisitions0.000.000.00327.900.000.000.00-47.390.00
Sale of Fixed Assets and Businesses126.550.892.620.000.000.004.26182.190.81
Purchase or Sale of Investments-879.30257.36-595.19141.29-552.7746.58-101.631.25-35.95
Purchase of Investments-1,891.52-1,207.66-2,658.61-58.93-778.49-179.40-373.26-330.53-189.66
Sale Or Maturity of Investments1,012.221,465.022,063.42200.22225.72225.98271.64331.78153.72
Other Uses0.000.000.000.00-138.760.000.000.000.00
Other Sources11.30176.2017.530.000.000.000.003.2765.37
Cash from Investing Activities814.791,545.60476.21478.35-2,673.14-125.64-232.6283.93-565.20
Cash Dividends Paid-361.00-48.56-94.99-12.32-26.85-21.34-13.870.000.00
Change in Capital Stock0.000.000.000.00-75.00-83.89-57.77-98.440.07
Repurchase of Common Pref Stock0.000.000.000.00-75.00-84.15-58.01-98.540.00
Sale of Common Pref Stock0.000.000.000.000.000.260.240.100.07
Proceedsfrom Stock Options0.000.000.000.000.000.000.240.100.07
Issuance or Reduction of Debt, Net-65.00-1,000.00-775.00729.001,073.04-281.80-150.28-456.90-26.36
Change in Long Term Debt-65.00-1,000.00-775.00645.001,098.040.00-7.08-562.90-45.36
Issuance of Long Term Debt0.000.000.001,180.001,098.0450.000.007,759.5511,909.29
Reduction of Long Term Debt-65.00-1,000.00-775.00-535.000.00-50.00-7.08-8,322.46-11,954.65
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00---0.00--
Cash from Financing Activities-1,858.79-1,708.92-1,226.33-349.242,443.43-40.23258.34-343.46263.86
Net Change in Cash-840.1930.27-457.86142.847.617.170.17-0.71-15.32
Free Cash Flow191.75187.08285.899.91230.53170.09-28.84256.57276.29
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow-23.1112.69-2.587.39-3.422.09
Federal Home Loan Advances Increase (Decrease)-49.880.00-5.99-38.949.962.080.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks602.46553.91483.511,029.981,442.65201.08
Investments5,746.845,600.755,407.655,493.985,106.061,080.76
Net Loans12,879.3813,423.5913,695.4114,023.6214,399.845,887.33
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment216.28216.24221.20225.97229.5744.35
Interest Receivables72.8072.9037.9053.1074.5023.50
Deferred Tax Assets---196.20--
Other Intangible Assets1,421.881,359.181,538.621,444.131,454.52369.48
Total Assets20,944.7021,230.8421,388.9622,471.9822,708.827,609.32
Total Deposits18,019.4718,089.4418,242.7719,025.0019,452.825,857.28
Total Debt210.28288.59211.22278.81280.921,265.32
Long Term Debt210.28208.59211.22140.68216.31650.00
Provision for Risks Charges4.925.437.297.128.431.10
Deferred Tax Liabilities---120.50--
Other Liabilities142.54157.45136.29178.18192.5282.64
Total Liabilities18,377.2218,540.9118,597.5619,609.6019,934.697,206.34
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity2,567.492,689.932,791.392,862.382,774.13402.98
Total Shareholders Equity2,567.492,689.932,791.392,862.382,774.13402.98
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity2,567.492,689.932,791.392,862.382,774.13402.98
Total Liabilities & Stockholders Equity20,944.7021,230.8421,388.9622,471.9822,708.827,609.32
Book Value Per Share11.0911.6212.0612.3712.0021.30
Tangible Book Value Per Share7.057.567.537.817.7320.97
Tier 1 Capital---1,854.131,828.26529.98
Tier 2 Capital---287.61294.08147.21
Full-Time Employees-1,7561,8901,9212,036750
Price to Book Ratio1.321.321.191.220.620.62
Return on Assets1.251.951.501.12-0.48-1.65
Return on Equity10.1918.1913.7310.47-4.65-30.22
Return on Invested Capital1.661.991.474.141.84-0.42
Current Ratio0.050.040.040.070.090.04

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations72.7622.4163.53113.37121.74-11.35
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-43.5326.22-51.410.46-15.55-4.13
Cash from Operating Activities29.2248.6312.13113.83106.19-15.48
Capital Expenditures-2.78-3.14-2.64-3.49-2.87-0.10
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.00126.550.000.000.890.00
Purchase or Sale of Investments-328.86-148.1652.45-454.73672.1730.35
Purchase of Investments-753.32-349.51-142.28-646.42-555.375.69
Sale Or Maturity of Investments424.45201.35194.73191.701,227.5324.65
Other Uses0.000.000.000.000.000.00
Other Sources1.846.110.003.35172.850.00
Cash from Investing Activities227.06256.98381.07-50.321,259.17157.62
Cash Dividends Paid-57.87-162.01-92.57-48.560.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.000.000.000.000.000.00
Repurchase of Common Pref Stock0.000.000.000.000.000.00
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-80.0080.00-65.000.00-1,040.0040.00
Change in Long Term Debt0.000.00-65.000.00-1,000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.00-65.000.00-1,000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities-207.75-235.21-939.67-476.17-716.90-193.22
Net Change in Cash48.5470.40-546.47-412.66648.46-51.08
Free Cash Flow26.4445.499.49110.33103.31-15.58
Price to Free Cash Flow--51.5924.5334.50-

Revenue breakdown

Products And Services, ATM Network Fee Income2024: 12.16M 2025: 13.49M
Products And Services, Service Charges On Deposit Accounts2024: 23.65M 2025: 23.22M
Products And Services, Trust Fees And Commissions2024: 12.32M 2025: 13.02M
United States2024: 48.13M 2025: 49.73M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-3016.93%4.8M28.1M534.82K
2026-10-1514.16%4.0M28.1M574.56K
2026-09-3014.18%4.0M28.1M561.59K
2026-09-1513.91%3.9M28.1M559.12K
2026-08-3113.66%3.8M28.1M565.91K
2026-08-1412.40%3.5M28.1M575.39K
2026-07-3112.33%3.5M28.1M568.03K
2026-07-1512.09%3.4M28.1M486.61K
2026-06-3012.15%3.4M28.1M485.09K
2026-06-1513.52%3.8M28.1M461.39K
2026-05-2914.95%4.2M28.1M449.72K
2026-05-1513.43%3.9M29.2M432.53K
2026-04-3011.82%4.2M35.4M433.12K
2026-04-1512.56%4.4M35.4M408.55K
2026-03-3110.07%4.2M41.3M404.47K
2026-03-139.15%3.8M41.3M559.03K
2026-02-2710.55%4.4M41.3M652.08K
2026-02-1310.68%4.4M41.3M666.35K
2026-01-3010.34%4.9M47.4M650.08K
2026-01-159.11%4.3M47.4M608.72K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call6.008.009.5010.306.6040.000.000.930-0.0800.003
call7.007.008.506.505.6560.000.000.917-0.0780.003
call8.006.007.506.804.9060.000.000.902-0.0760.004
call9.005.106.305.903.8050.000.000.884-0.0730.004
call10.004.105.304.703.23135.000.000.862-0.0690.005
call11.003.104.303.902.63718.000.000.809-0.0850.006
call12.002.402.752.351.29177.000.000.768-0.0770.007
call13.001.002.552.101.9606.000.000.712-0.0660.008
call14.000.302.003.101.95613.000.000.605-0.0650.009
call15.000.000.750.261.06115.000.000.443-0.0480.009
call16.000.000.150.050.4233690.000.160-0.0150.006
call17.000.000.400.050.91028.000.000.149-0.0260.005
call18.000.000.750.021.0941.000.000.128-0.0290.005
call19.000.000.750.001.3090.000.000.112-0.0310.004
call20.000.000.750.051.4802.000.000.102-0.0330.004
call21.000.000.750.001.6110.000.000.095-0.0340.004
call22.000.000.750.001.7860.000.000.089-0.0360.004
call25.000.000.750.002.1710.000.000.077-0.0390.003
put6.000.000.750.005.1450.000.00-0.067-0.0850.003
put7.000.000.750.004.3900.000.00-0.080-0.0830.003
put8.000.000.750.003.7390.000.00-0.095-0.0800.004
put9.000.000.750.053.1655.000.00-0.113-0.0770.004
put10.000.000.500.052.63810.000.00-0.134-0.0720.005
put11.000.000.750.002.5840.000.00-0.188-0.0890.006
put12.000.000.751.102.1023.000.00-0.225-0.0800.007
put13.000.000.750.531.6201.000.00-0.281-0.0700.008
put14.000.000.750.201.1298.000.00-0.373-0.0540.009
put15.000.101.050.650.84098.000.00-0.554-0.0510.009
put16.000.901.851.350.95538.000.00-0.809-0.0250.006
put17.001.904.500.002.5340.000.00-0.847-0.0290.005
put18.002.703.903.301.6112.000.00-0.869-0.0310.005
put19.003.704.900.001.8360.000.00-0.884-0.0340.004
put20.004.705.900.002.0390.000.00-0.894-0.0350.004
put21.005.507.006.622.3310.000.00-0.902-0.0370.004
put22.006.508.000.004.3110.000.00-0.956-0.0170.002
put25.009.5011.000.004.7160.000.00-0.962-0.0180.002

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-288-KCurrent report2026-10-28SEC
2026-09-178-KCurrent report2026-09-16SEC
2026-08-208-KCurrent report2026-08-19SEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-298-KCurrent report2026-07-29SEC
2026-06-2411-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-06-174Statement of changes in beneficial ownership of securities2026-06-15SEC
2026-06-018-KCurrent report2026-05-28SEC
2026-05-294Statement of changes in beneficial ownership of securities2026-05-27SEC
2026-05-294Statement of changes in beneficial ownership of securities2026-05-27SEC
2026-05-294Statement of changes in beneficial ownership of securities2026-05-27SEC
2026-05-294Statement of changes in beneficial ownership of securities2026-05-27SEC
2026-05-294Statement of changes in beneficial ownership of securities2026-05-27SEC
2026-05-294Statement of changes in beneficial ownership of securities2026-05-28SEC
2026-05-294Statement of changes in beneficial ownership of securities2026-05-28SEC
2026-05-138-KCurrent report2026-05-13SEC
2026-05-0810-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-058-KCurrent report2026-05-01SEC
2026-04-308-KCurrent report2026-04-30SEC
2026-04-16DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC
2026-04-16DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-05-28SEC
2026-04-16ARSAnnual report to security holders. 2025-12-31SEC
2026-03-233Initial statement of beneficial ownership of securities2025-09-02SEC
2026-03-234Statement of changes in beneficial ownership of securities2025-09-02SEC
2026-03-17NT 10-K2025-12-31SEC
2026-03-1710-KAnnual report pursuant to Section 13 or 15(d)2025-12-31SEC
2026-03-034Statement of changes in beneficial ownership of securities2026-03-01SEC
2026-03-034Statement of changes in beneficial ownership of securities2026-03-01SEC
2026-03-034Statement of changes in beneficial ownership of securities2026-03-01SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-0600301
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.1.33%
Mechanics Bank Trust Department0.97%
STATE STREET CORP0.74%
VANGUARD CAPITAL MANAGEMENT LLC0.71%
GW&K Investment Management, LLC0.54%
GEODE CAPITAL MANAGEMENT, LLC0.54%
COMPOSITION WEALTH, LLC0.48%
Bank of New York Mellon Corp0.48%
UBS Group AG0.31%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC0.23%

Funds

Fund% owned
Angel Oak Financial Strategies Income Term Trust0.90%
VANGUARD TOTAL STOCK MARKET INDEX FUND0.46%
iShares Russell 2000 ETF0.45%
WisdomTree U.S. SmallCap Dividend Fund0.34%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF0.30%
VANGUARD EXTENDED MARKET INDEX FUND0.24%
iShares Russell 2000 Value ETF0.17%
Fidelity Small Cap Index Fund0.14%
Fidelity Extended Market Index Fund0.10%
VANGUARD RUSSELL 2000 INDEX FUND0.10%

OakChart. MCHB. Cached 15 minutes.