Mechanics BancorpMCHB +0.06%12 Net Margin % is 22.43% as of Mar. 2026, which is 30% below its 10-year median of 32.02. GuruFocus rates MCHB with a GF Score™ of 12/100. The stock has 2 warning signs investors should review. Among 1,526 Banks companies, Mechanics Bancorp ranks better than 84.21% on this metric.
The historical rank and industry rank for Mechanics Bancorp's Net Margin % or its related term are showing as below:
MCHB'
s Net Margin % Range Over the Past 10 Years
Min: 7.77 Med: 32.02 Max: 40.88
Current: 40.04
MCHB's Net Margin % is ranked better than 84.21% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs MCHB: 40.04
Mechanics Bancorp (NAS:MCHB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Mechanics Bancorp Net Margin % Related Terms
Mechanics Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Mechanics Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mechanics Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Mechanics Bancorp's Net 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 Net Margin % of 22.43% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Mechanics Bancorp and its competitors. This is 30% below median its historical median of 32.02. Over the past decade, Mechanics Bancorp's Net Margin % has ranged from 7.77 to 40.88. According to the industry distribution chart, Mechanics Bancorp ranks #241 out of 1526 companies in the Banks industry, placing it in the top 15.8%.
Is Mechanics Bancorp's Net Margin % too high?
Mechanics Bancorp's current Net Margin % of 22.43% is 30% below median its 10-year median of 32.02. Over the past 10 years, this metric has ranged from a low of 7.77 to a high of 40.88. The Banks industry median Net Margin % is 26.97. Mechanics Bancorp's value of 22.43% is 16.8% below this industry median. Based on the distribution chart, Mechanics Bancorp ranks #241 out of 1526 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 12/100, reflecting its overall financial health beyond just this single metric.
How does Mechanics Bancorp's Net Margin % compare to FFBC and FHB?
According to the Banks industry distribution chart, Mechanics Bancorp ranks #241 out of 1526 companies for Net Margin %. This places Mechanics Bancorp in the top 16% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. Mechanics Bancorp's value of 22.43% is 16.8% below this benchmark. Historically, Mechanics Bancorp's own Net Margin % has ranged from 7.77 to 40.88 over the past decade. While the company's 10-year median is 32.02 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mechanics Bancorp's current Net Margin % of 22.43% is 16.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Mechanics Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mechanics Bancorp's current Net Margin % is 22.43%, which is 30% below median its own 10-year median of 32.02. 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 Net Margin % of 22.43%. The current Net Margin % is 22.43%, which is 30% below median its 10-year median of 32.02 and 16.8% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Mechanics Bancorp (MCHB), the current Net Margin % is 22.43% 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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