Mechanics Bancorp (MCHB)
State Commercial Banks · Financial Services · $283M
Intrinsic Value (Consensus)
$28.93
Current Price
$14.96
Margin of Safety
+93.4%
93.4% Below Intrinsic Value
Value: $29
Price: $15
Valuation Model Estimates
Current Price: $14.96
DCF (Discounted Cash Flow)
$155.58
Graham Number
$65.75
Earnings Power Value
$12.33
Relative Value (P/E)
$25.40
Dividend Discount Model
$12.26
Consensus Value
$28.93
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
68
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
7/25
Financial Health Signals
Low debt — conservative balance sheet
High free cash flow yield (66.1%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.27
- EPS (Forward)
- $1.33
- Book Value
- $151.28
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 9.3%
- Debt/Equity
- 7%
- Revenue Growth
- 3.3%
- Earnings Growth
- 5.0%
- Dividend Yield
- 2.6%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance