Mechanics BancorpMCHB +0.64%12 FCF Margin % is 4.46% as of Mar. 2026, which is 90% below its 10-year median of 43.34. GuruFocus rates MCHB with a GF Score™ of 12/100. The stock has 2 warning signs investors should review. Among 1,504 Banks companies, Mechanics Bancorp ranks worse than 72.87% on this metric.
The historical rank and industry rank for Mechanics Bancorp's FCF Margin % or its related term are showing as below:
MCHB'
s FCF Margin % Range Over the Past 10 Years
Min: 1.57 Med: 43.34 Max: 76.63
Current: 1.57
During the past 4 years, the highest FCF Margin % of Mechanics Bancorp was 76.63%. The lowest was 1.57%. And the median was 43.34%.
MCHB's FCF Margin % is ranked worse than 72.87% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs MCHB: 1.57
Mechanics Bancorp FCF Margin % Related Terms
Mechanics Bancorp FCF Margin % Historical Data
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The historical data trend for Mechanics Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Mechanics Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mechanics Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Mechanics Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 4.46% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Mechanics Bancorp and its competitors. This is 90% below median its historical median of 43.34. Over the past decade, Mechanics Bancorp's FCF Margin % has ranged from 1.57 to 76.63. According to the industry distribution chart, Mechanics Bancorp ranks #1096 out of 1504 companies in the Banks industry, placing it in the top 72.9%.
Is Mechanics Bancorp's FCF Margin % too high?
Mechanics Bancorp's current FCF Margin % of 4.46% is 90% below median its 10-year median of 43.34. Over the past 10 years, this metric has ranged from a low of 1.57 to a high of 76.63. The Banks industry median FCF Margin % is 26.50. Mechanics Bancorp's value of 4.46% is 83.2% below this industry median. Based on the distribution chart, Mechanics Bancorp ranks #1096 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, Mechanics Bancorp has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Mechanics Bancorp's FCF Margin % compare to FFBC and FHB?
According to the Banks industry distribution chart, Mechanics Bancorp ranks #1096 out of 1504 companies for FCF Margin %. This places Mechanics Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.50. Mechanics Bancorp's value of 4.46% is 83.2% below this benchmark. Historically, Mechanics Bancorp's own FCF Margin % has ranged from 1.57 to 76.63 over the past decade. While the company's 10-year median is 43.34 vs. the industry median of 26.50, Mechanics Bancorp has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mechanics Bancorp's current FCF Margin % of 4.46% is 83.2% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Mechanics Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mechanics Bancorp's current FCF Margin % is 4.46%, which is 90% below median its own 10-year median of 43.34. 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?
Mechanics Bancorp (MCHB) has a current FCF Margin % of 4.46%. The current FCF Margin % is 4.46%, which is 90% below median its 10-year median of 43.34 and 83.2% below the Banks industry median of 26.50. Mechanics Bancorp's overall GF Score™ is 12/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Mechanics Bancorp (MCHB), the current FCF Margin % is 4.46% 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.
Mechanics Bancorp is a full-service community bank providing a multiple products and services in consumer and business banking, commercial lending, cash management, private banking, and wealth management and trust services. Its activities mainly include offering loan products such as commercial business loans, residential mortgages, consumer loans, real estate and construction loans, and small business lending, supported by various lending units including commercial banking, mortgage and consumer lending, commercial real estate lending, and private banking. The bank also provides deposit products such as checking and savings accounts, money market accounts, and certificates of deposit, along with treasury management and digital banking services.
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