MCHB (Mechanics Bancorp) Net Loan: $13,700.1 Mil (As of Mar. 2026)

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MCHB Mechanics Bancorp MCHB
27 GF Score
Price $16.79
GF Value $9.32
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Mechanics Bancorp Net Loan?

Mechanics Bancorp MCHB +1.21% 27 Net Loan is $13,700.1 Mil as of Mar. 2026. GuruFocus rates MCHB with a GF Score™ of 27/100 and a GF Value™ of $9.32 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Mechanics Bancorp's quarterly net loan declined from Sep. 2025 ($14,454.8 Mil) to Dec. 2025 ($14,029.6 Mil) and declined from Dec. 2025 ($14,029.6 Mil) to Mar. 2026 ($13,700.1 Mil).

Mechanics Bancorp's annual net loan declined from Dec. 2023 ($10,644.4 Mil) to Dec. 2024 ($14,029.6 Mil) but then increased from Dec. 2024 ($14,029.6 Mil) to Dec. 2025 ($13,700.1 Mil).

Mechanics Bancorp Net Loan Historical Data

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The historical data trend for Mechanics Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Mechanics Bancorp Net Loan Chart

Mechanics Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10,870.45 11,916.19 10,644.42 9,555.48 14,029.58

Mechanics Bancorp Quarterly Data
Sep06 Dec06 Mar07 Jun07 Sep07 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Sep24 Dec24 Mar25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 14,454.82 14,029.58 13,700.11 13,428.94
MCHB
27GF Score
Mechanics Bancorp MCHB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Mechanics Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $13,700.1 Mil mean?
Mechanics Bancorp (MCHB) has a Net Loan of $13,700.1 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Mechanics Bancorp and its competitors.
Is Mechanics Bancorp's Net Loan too high?
Mechanics Bancorp's current Net Loan is $13,700.1 Mil. Overall, Mechanics Bancorp has a GF Score™ of 27/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mechanics Bancorp's Net Loan compare to FHB and PRK?
Mechanics Bancorp's Net Loan of $13,700.1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Mechanics Bancorp and its competitors. Mechanics Bancorp's current Net Loan is $13,700.1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mechanics Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mechanics Bancorp (MCHB) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.32, compared to a current price of $16.79 — trading 80.1% above its estimated fair value. The current Net Loan is $13,700.1 Mil. Mechanics Bancorp's overall GF Score™ is 27/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Mechanics Bancorp (MCHB), the current Net Loan is $13,700.1 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Mechanics Bancorp (MCHB) Overvalued in 2026?

Based on GuruFocus' analysis, Mechanics Bancorp stock appears to be overvalued. The current stock price of $16.79 is trading 80.1% above its estimated GF Value™ of $9.32. GuruFocus considers Mechanics Bancorp to be Significantly Overvalued.

Key valuation signals for MCHB:

  • Net Loan: $13,700.1 Mil
  • GF Value™: $9.32 vs. price of $16.79 (80.1% above fair value)
  • GF Score™: 27/100 with 3 warning signs

No single metric tells the full story. See the MCHB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Mechanics Bancorp Business Description

Address 1111 Civic Drive, Suite 390, Walnut Creek, CA, USA, 94596
Mechanics Bancorp is the financial holding company of Mechanics Bank, a full-service bank with branches across California, Oregon, Washington and Hawaii. It offers a various products and services in consumer and business banking, commercial lending, cash management services, private banking, and comprehensive wealth management and trust services.
27GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.79
Price
$9.32
GF Value