Mechanics BancorpMCHB -0.44%12 Dividend Payout Ratio is 1.95 as of Mar. 2026, which is 748% above its 10-year median of 0.23. GuruFocus rates MCHB with a GF Score™ of 12/100. The stock has 2 warning signs investors should review. Among 1,172 Banks companies, Mechanics Bancorp ranks worse than 94.88% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Mechanics Bancorp's Dividend Payout Ratio for the
months ended in Mar. 2026 was 1.95.
Warning Sign:
If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of Mechanics Bancorp is 0.86, which seems too high.
The historical rank and industry rank for Mechanics Bancorp's Dividend Payout Ratio or its related term are showing as below:
MCHB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23 Med: 0.23 Max: 0.86
Current: 0.86
During the past 4 years, the highest Dividend Payout Ratio of Mechanics Bancorp was 0.86. The lowest was 0.23. And the median was 0.23.
MCHB's Dividend Payout Ratio is ranked worse than 94.88% of 1172
companies
in the Banks industry
Industry Median: 0.32
vs MCHB: 0.86
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Mechanics Bancorp (NAS:MCHB) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Mechanics Bancorp Dividend Payout Ratio Related Terms
Mechanics Bancorp Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Mechanics Bancorp's Dividend Payout 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.
MCHB vs FFBC, CBU, BKU: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Mechanics Bancorp's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Mechanics Bancorp's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Mechanics Bancorp's Dividend Payout Ratio falls into.
Mechanics Bancorp Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Mechanics Bancorp's Dividend Payout 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 Dividend Payout Ratio of 1.95 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Mechanics Bancorp and its competitors. This is 748% above median its historical median of 0.23. Over the past decade, Mechanics Bancorp's Dividend Payout Ratio has ranged from 0.23 to 0.86. According to the industry distribution chart, Mechanics Bancorp ranks #1112 out of 1172 companies in the Banks industry, placing it in the top 94.9%.
Is Mechanics Bancorp's Dividend Payout Ratio too high?
Mechanics Bancorp's current Dividend Payout Ratio of 1.95 is 748% above median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.86. The Banks industry median Dividend Payout Ratio is 0.32. Mechanics Bancorp's value of 1.95 is 509.4% above this industry median. Based on the distribution chart, Mechanics Bancorp ranks #1112 out of 1172 companies in the Banks industry, which is in the bottom quartile 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 Dividend Payout Ratio compare to FFBC and CBU?
According to the Banks industry distribution chart, Mechanics Bancorp ranks #1112 out of 1172 companies for Dividend Payout Ratio. This places Mechanics Bancorp in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Mechanics Bancorp's value of 1.95 is 509.4% above this benchmark. Historically, Mechanics Bancorp's own Dividend Payout Ratio has ranged from 0.23 to 0.86 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,172 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mechanics Bancorp's current Dividend Payout Ratio of 1.95 is 509.4% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Mechanics Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mechanics Bancorp's current Dividend Payout Ratio is 1.95, which is 748% above median its own 10-year median of 0.23. 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 Dividend Payout Ratio of 1.95. The current Dividend Payout Ratio is 1.95, which is 748% above median its 10-year median of 0.23 and 509.4% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Mechanics Bancorp (MCHB), the current Dividend Payout Ratio is 1.95 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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