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Mechanics BancorpMCHB 36 Equity-to-Asset is 0.13 as of Jun. 2026, which is at its 10-year median of 0.13. GuruFocus rates MCHB with a GF Score™ of 36/100 and a GF Value™ of $14.96 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, Mechanics Bancorp ranks better than 78.11% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Mechanics Bancorp's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $2,689.9 Mil. Mechanics Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $21,230.8 Mil.
Therefore, Mechanics Bancorp's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.13.
The historical rank and industry rank for Mechanics Bancorp's Equity-to-Asset or its related term are showing as below:
MCHB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.13 Max: 0.14
Current: 0.13
During the past 13 years, the highest Equity to Asset Ratio of Mechanics Bancorp was 0.14. The lowest was 0.12. And the median was 0.13.
MCHB's Equity-to-Asset is ranked better than 78.11% of 1517
companies
in the Banks industry
Industry Median: 0.1
vs MCHB: 0.13
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Mechanics Bancorp Equity-to-Asset Related Terms
Mechanics Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Mechanics Bancorp's Equity-to-Asset 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.
MCHB vs FIBK, PRK, TOWN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Mechanics Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Mechanics Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Mechanics Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Mechanics Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 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.
Mechanics Bancorp (MCHB) has a Equity-to-Asset of 0.13 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Mechanics Bancorp and its competitors. This is near median its historical median of 0.13. Over the past decade, Mechanics Bancorp's Equity-to-Asset has ranged from 0.12 to 0.14. According to the industry distribution chart, Mechanics Bancorp ranks #332 out of 1517 companies in the Banks industry, placing it in the top 21.9%.
Is Mechanics Bancorp's Equity-to-Asset too high?
Mechanics Bancorp's current Equity-to-Asset of 0.13 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Mechanics Bancorp's value of 0.13 is 30% above this industry median. Based on the distribution chart, Mechanics Bancorp ranks #332 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Mechanics Bancorp has a GF Score™ of 36/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mechanics Bancorp's Equity-to-Asset compare to FIBK and PRK?
According to the Banks industry distribution chart, Mechanics Bancorp ranks #332 out of 1517 companies for Equity-to-Asset. This places Mechanics Bancorp in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Mechanics Bancorp's value of 0.13 is 30% above this benchmark. Historically, Mechanics Bancorp's own Equity-to-Asset has ranged from 0.12 to 0.14 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, Mechanics Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mechanics Bancorp's current Equity-to-Asset of 0.13 is 30% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Mechanics Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mechanics Bancorp's current Equity-to-Asset is 0.13, which is near median its own 10-year median of 0.13. 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 Fairly Valued. The stock's GF Value™ is $14.96, compared to a current price of $15.43 — trading 3.1% above its estimated fair value. The current Equity-to-Asset is 0.13, which is near median its 10-year median of 0.13 and 30% above the Banks industry median of 0.10. Mechanics Bancorp's overall GF Score™ is 36/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Mechanics Bancorp (MCHB), the current Equity-to-Asset is 0.13 as of Jun. 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 $15.43 is trading 3.1% above its estimated GF Value™ of $14.96.
GuruFocus considers Mechanics Bancorp to be Fairly Valued.
Key valuation signals for MCHB:
Equity-to-Asset: 0.13 (near median its 10-year median of 0.13)
GF Value™: $14.96 vs. price of $15.43 (3.1% above fair value)
Industry Position: 30% above the Banks median (#332 of 1517)
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.
36GF Score
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