Mechanics Bancorp's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Mechanics Bancorp (MCHB) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Mechanics Bancorp vs Its Competitors
- TTM: Trailing 12-month revenue of 619M vs 755,870M combined for tracked competitors (0.1% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+31.8% annualized vs trailing 12 months), vs accelerating (+9.6%) for its tracked peer group.
- Profitability: Its 28.3% net margin compares with 29.0% for the peer group.
- Scale: Mechanics Bancorp ranks #137 of 216 companies by market capitalization in the Regional Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Mechanics Bancorp accounted for 0.1% of combined revenue among its tracked peer group.
- Peer differentiation: Revenue per employee of $0.31M compares with $0.51M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
MCHB Sales vs. its Competitors, Q2 2026
With a net margin of 28.32 %, Mechanics Bancorp reported lower profitability than its competitors (28.95 %).
Mechanics Bancorp generated 0.10 % of the combined sales of its peer group.
Mechanics Bancorp vs. its Competitors, Q2 2026
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Mechanics Bancorp and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Mechanics Bancorp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (3) | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (10) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Mechanics Bancorp's competitor groups requires a Commercial License.
Mechanics Bancorp's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Mechanics Bancorp | Yes | - | - | - |
| Competitors combined (183) | ||||
| High-Confidence Competitors (4) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
MCHB Stock Performance relative to its Competitors
MCHB Stock Performance relative to High-Confidence Competitors
MCHB Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Community Ban corp | 282.9% | Outperformed |
| 4 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
| 5 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Mechanics Bancorp's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Mechanics Bancorp's Comment on Competition and Industry Peers
Publicly Traded Peers of Mechanics Bancorp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Mechanics Bancorp | 328.79 | 618.53 |
| Jpmorgan Chase and Co | 891,322.19 | 186,328.00 |
| Bank Of America Corporation | 397,023.31 | 121,098.00 |
| Wells Fargo and Company | 246,306.21 | 83,940.00 |
| Citigroup inc | 230,045.28 | 88,262.00 |
| Capital one financial corp | 119,915.78 | 51,099.00 |
| SUBTOTAL | 2,802,226.37 | 858,607.53 |
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Sources: Mechanics Bancorp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Mechanics Bancorp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Mechanics Bancorp's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Bank of America | Named by the company | 85% |
| Wells Fargo | Named by the company | 85% |
| Union Bank | Named by the company | 85% |
| Comerica | Named by the company | 85% |
| US Bank | Named by the company | 85% |
| JP Morgan Chase | Named by the company | 85% |
| Capital one financial corp | Named by the company | 85% |
| Wintrust Financial Corp | Named by the company | 85% |
| Peapack gladstone Financial Corporation | Named by the company | 85% |
| East West Bancorp inc | Named by the company | 85% |
| First Horizon Corp | Named by the company | 85% |
| Banc Of California Inc | Named by the company | 85% |
| Zions Bancorporation National Association | Named by the company | 85% |
| Svb Financial Group | Named by the company | 85% |
| Merchants Bancorp | Named by the company | 85% |
| Regions Financial Corporation | Named by the company | 85% |
| Community West Bancshares | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Mechanics Bancorp's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Mechanics Bancorp's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Mechanics Bancorp's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Mechanics Bancorp | 329 | 313,813 | 142,696 |
| Jpmorgan Chase and Co | 891,322 | 584,995 | 200,752 |
| Bank Of America Corporation | 397,023 | 568,535 | 158,005 |
| Wells Fargo and Company | 246,306 | 351,213 | 95,100 |
| Citigroup inc | 230,045 | 390,540 | 72,049 |
| Capital one financial corp | 119,916 | 669,712 | 137,615 |
| PEERS TOTAL | 2,801,898 | 508,260 | 133,770 |
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Mechanics Bancorp's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Mechanics Bancorp's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Mechanics Bancorp's industry classification, broader than the peer set above. Market cap in millions of $.Mechanics Bancorp ranks #137 of 198 companies by market capitalization in its industry, holding 0.04 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 523, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 112,460 | 14.87 % |
| 2 | Deutsche Bank Aktiengesellschaft | 72,024 | 9.53 % |
| 3 | State Street Corp | 49,071 | 6.49 % |
| 4 | Ita Unibanco Holding S a | 47,919 | 6.34 % |
| 5 | Fifth Third Bancorp | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 137 | Mechanics Bancorp | 329 | 0.04 % |
Market cap and industry share for the rest of Mechanics Bancorp's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-30.
Mechanics Bancorp's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 132 | Northeast Community Bancorp inc | 352 | 31.20 % |
| 133 | Timberland Bancorp Inc | 350 | 33.50 % |
| 134 | Blue Ridge Bankshares Inc | 341 | -9.62 % |
| 135 | Avidbank Holdings Inc | 334 | 23.08 % |
| 136 | Baycom Corp | 1,234 | 12.3% |
| 137 | Mechanics Bancorp | 329 | 13.17 % |
| 138 | Coastalsouth Bancshares Inc | 1,234 | 12.3% |
| 139 | Fs Bancorp Inc | 1,234 | 12.3% |
| 140 | John Marshall Bancorp inc | 1,234 | 12.3% |
| 141 | C and F Financial Corporation | 1,234 | 12.3% |
| 142 | Fvcbankcorp Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Mechanics Bancorp's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-30. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Mechanics Bancorp's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 64.14 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 89.70 % | 49.90 % (avg) | +39.8 pp |
| Capital Intensity (Capex / Revenue) | 1.96 % | 3.18 % (avg) | -1.2 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Mechanics Bancorp's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 1.7x | 15.6x | -13.8x |
| EV / EBITDA | -0.6x | 6.2x | -6.8x |
| P/B | 0.1x | 1.3x | -1.2x |
| Return on Equity | 10.12 % | industry aggregate | -0.76 % |
| Return on Invested Capital | - | 3.20 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Mechanics Bancorp's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -13.72 % | -39.44 % | 27.71 % | 7.25 % | -19.87 % | -27.91 % | -34.70 % | 477.85 % |
| Operating Margin | 10.51 % | 18.43 % | 30.19 % | 40.52 % | 29.19 % | -15.66 % | -23.48 % | 40.50 % |
| Return on Invested Capital | 2.04 % | 2.78 % | 6.49 % | 9.50 % | 1.51 % | -0.32 % | -0.34 % | 5.34 % |
| P/E | 16.7x | 45.2x | - | - | - | - | - | 1.7x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Mechanics Bancorp's BCG Growth-Share Matrix
Relative market share (vs Mechanics Bancorp's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Mechanics Bancorp falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 12.3% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Mechanics Bancorp's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 523 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 1.96 % vs industry average 3.18 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Mechanics Bancorp's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Mechanics Bancorp's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Mechanics Bancorp's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Mechanics Bancorp falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Mechanics Bancorp's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+31.8% annualized vs trailing 12 months).
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.00x).
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Mechanics Bancorp's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Mechanics Bancorp | 0.06 | 0.14 | 0.06 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Mechanics Bancorp's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Mechanics Bancorp | Q2 2026 | - | +35.8 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +23.8 % | +46.8 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Mechanics Bancorp's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Mechanics Bancorp | Q2 2026 | - | +65.0 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Mechanics Bancorp's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Mechanics Bancorp | 1.28% | 3.67% | 10.12% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Mechanics Bancorp's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Mechanics Bancorp | 1.66 | 0.53 |
| Jpmorgan Chase and Co | 13.93 | 4.78 |
| Bank Of America Corporation | 12.54 | 3.28 |
| Wells Fargo and Company | 11.71 | 2.93 |
| Citigroup inc | 16.11 | 2.61 |
| Capital one financial corp | 11.49 | 2.35 |
| PEERS AVERAGE | 12.39 | 3.26 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.