Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Mechanics BancorpMCHB -0.49%27 Cyclically Adjusted PS Ratio is 0.00 as of Jul. 19, 2026. GuruFocus rates MCHB with a GF Score™ of 27/100 and a GF Value™ of $8.90 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,303 Banks companies, Mechanics Bancorp ranks worse than 76745.89% on this metric.
The historical rank and industry rank for Mechanics Bancorp's Cyclically Adjusted PS Ratio or its related term are showing as below:
During the past 13 years, Mechanics Bancorp's highest Cyclically Adjusted PS Ratio was 2.47. The lowest was 1.98. And the median was 2.47.
MCHB's Cyclically Adjusted PS Ratio is not ranked *
in the Banks industry.
Industry Median: 3.39 * Ranked among companies with meaningful Cyclically Adjusted PS Ratio only.
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Mechanics Bancorp's adjusted revenue per share data of for the fiscal year that ended in Dec25 was $3.177. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $10,357.58 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Mechanics Bancorp (NAS:MCHB) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Mechanics Bancorp Cyclically Adjusted PS Ratio Related Terms
Mechanics Bancorp Cyclically Adjusted PS Ratio Historical Data
* Premium members only.
The historical data trend for Mechanics Bancorp's Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio Chart
MCHB vs FBK, EFSC, PPBI: Cyclically Adjusted PS Ratio Comparison
For the Banks - Regional subindustry, Mechanics Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Mechanics Bancorp Cyclically Adjusted PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Mechanics Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Mechanics Bancorp's Cyclically Adjusted PS Ratio falls into.
Mechanics Bancorp Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
Mechanics Bancorp's Cyclically Adjusted PS Ratio for today is calculated as
* 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.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 0.00 mean?
Mechanics Bancorp (MCHB) has a Cyclically Adjusted PS Ratio of 0.00 as of Jul. 19, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Mechanics Bancorp and its competitors. Over the past decade, Mechanics Bancorp's Cyclically Adjusted PS Ratio has ranged from 1.98 to 2.47. According to the industry distribution chart, Mechanics Bancorp ranks #999999 out of 1303 companies in the Banks industry.
Is Mechanics Bancorp's Cyclically Adjusted PS Ratio too high?
Mechanics Bancorp's current Cyclically Adjusted PS Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 1.98 to a high of 2.47. Based on the distribution chart, Mechanics Bancorp ranks #999999 out of 1303 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Cyclically Adjusted PS Ratio compare to FBK and EFSC?
According to the Banks industry distribution chart, Mechanics Bancorp ranks #999999 out of 1303 companies for Cyclically Adjusted PS Ratio. This places Mechanics Bancorp in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.39. Historically, Mechanics Bancorp's own Cyclically Adjusted PS Ratio has ranged from 1.98 to 2.47 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.39, based on 1,303 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Mechanics Bancorp and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mechanics Bancorp's current Cyclically Adjusted PS Ratio is 0.00. 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 $8.90, compared to a current price of $16.28 — trading 82.9% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.00. Mechanics Bancorp's overall GF Score™ is 27/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Mechanics Bancorp (MCHB), the current Cyclically Adjusted PS Ratio is 0.00 as of Jul. 19, 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 $16.28 is trading 82.9% above its estimated GF Value™ of $8.90.
GuruFocus considers Mechanics Bancorp to be Significantly Overvalued.
Key valuation signals for MCHB:
Cyclically Adjusted PS Ratio: 0.00
GF Value™: $8.90 vs. price of $16.28 (82.9% above fair value)
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 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
Get the complete analysis for MCHB
Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MCHB has been successfully added to your 
