MCHB
Mechanics Bancorp
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: MCHB
- PE Ratio
As of Jun 23, 2026, the MCHB stock has a P/E ratio of 19.88. The calculation is based on the latest EPS of $0.77 and the stock price of $15.31 per share. A decrease of 12% has been observed in the PE ratio compared to its average of 22.5 of the past four quarters.
MCHB PE ratio history
The mean historical PE ratio of Mechanics Bancorp over the last ten years is 18.84. The current 19.88 price-to-earnings ratio is 6% more than the historical average. Analyzing the last ten years, MCHB's PE ratio reached its highest point in the Dec 2024 quarter at 81.57, with a price of $11.42 and an EPS of $0.14. The Sep 2022 quarter saw the lowest point at 6.39, with a price of $28.81 and an EPS of $4.51.
Mechanics Bancorp PE ratio by year
Maximum annual increase: 259.27% in 2019
Maximum annual decrease: -85.3% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 11.99 | -85.3% | $14.63 | $1.22 |
| 2024 | 81.57 | N/A | $11.42 | $0.14 |
| 2023 | N/A | N/A | $10.3 | -$1.46 |
| 2022 | 7.86 | -16.38% | $27.58 | $3.51 |
| 2021 | 9.4 | -2.49% | $52 | $5.53 |
| 2020 | 9.64 | -81.29% | $33.75 | $3.5 |
| 2019 | 51.52 | 259.27% | $34 | $0.66 |
| 2018 | 14.34 | 27.35% | $21.23 | $1.48 |
| 2017 | 11.26 | -15.91% | $28.95 | $2.57 |
| 2016 | 13.39 | 22.17% | $31.6 | $2.36 |
| 2015 | 10.96 | -5.6% | $21.71 | $1.98 |
| 2014 | 11.61 | -4.21% | $17.41 | $1.5 |
| 2013 | 12.12 | 192.75% | $20 | $1.65 |
| 2012 | 4.14 | N/A | $25.55 | $6.17 |
| 2011 | N/A | N/A | N/A | $2.98 |
Mechanics Bancorp PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 19.16 | 59.8% | $14.75 | $0.77 |
| Dec 2025 | 11.99 | -56.76% | $14.63 | $1.22 |
| Sep 2025 | 27.73 | -10.89% | $13.31 | $0.48 |
| Jun 2025 | 31.12 | -15.18% | $13.07 | $0.42 |
| Mar 2025 | 36.69 | -55.02% | $11.74 | $0.32 |
| Dec 2024 | 81.57 | N/A | $11.42 | $0.14 |
| Sep 2024 | N/A | N/A | $15.76 | -$0.72 |
| Jun 2024 | N/A | N/A | $11.4 | -$0.79 |
| Mar 2024 | N/A | N/A | $15.05 | -$2.13 |
| Dec 2023 | N/A | N/A | $10.3 | -$1.46 |
| Sep 2023 | N/A | N/A | $7.79 | -$0.82 |
| Jun 2023 | 39.47 | 508.17% | $5.92 | $0.15 |
| Mar 2023 | 6.49 | -17.43% | $17.99 | $2.77 |
| Dec 2022 | 7.86 | 23% | $27.58 | $3.51 |
| Sep 2022 | 6.39 | -12.59% | $28.81 | $4.51 |
MCHB Price vs fair value
MCHB average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of MCHB is above its 10-year average, but it is under its 3 and 5-year averages.
PE comparison
With a price to earnings (P/E) of 19.88, MCHB stands higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 12.95, Mechanics Bancorp's price to earnings (P/E) is 54% higher.
MCHB PE vs peers
MCHB's PE ratio is above its peer stocks UMBF and UBSI.
| Stock name | PE ratio | Market cap |
|---|---|---|
| WSBF Waterstone Financial Inc | 11.66 | $351.67M |
| UMBF Umb Financial Corp | 12.28 | $10.6B |
| UBSI United Bankshares Inc | 12.65 | $6.24B |
| MCHB Mechanics Bancorp. | 19.88 | $3.37B |
| INBK First Internet Bancorp | N/A | $226.85M |
Frequently asked questions
What is Mechanics Bancorp's PE ratio?
MCHB's price to earnings ratio is 19.88 as of Jun 23, 2026.
What is the 3-year average PE ratio for Mechanics Bancorp (MCHB)?
Over the last 3 years, the average PE ratio for MCHB stock is 35.39.
What is the 5-year average PE ratio for Mechanics Bancorp (MCHB)?
Over the last 5 years, the average PE ratio for MCHB stock is 20.67.
What is the highest PE ratio for MCHB?
Over the last ten years, the Dec 2024 quarter recorded the highest quarterly PE ratio at 81.57.
How does the current PE ratio for MCHB compare to its historical average?
MCHB's current price to earnings ratio is 6% above its 10-year historical average.
How is MCHB's PE ratio calculated (Mechanics Bancorp PE ratio formula)?
The P/E ratio is calculated by taking the latest stock price and dividing it by the earnings per share(EPS) for the last 12 months. As of today (Jun 23, 2026), Mechanics Bancorp's share price is $15.31. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $0.77. Therefore, Mechanics Bancorp's price to earnings ratio for today is 19.88. PE RATIO(19.88) = STOCK PRICE($15.31) / TTM EPS($0.77)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.