Mechanics BancorpMCHB +0.77%12 PB Ratio is 1.25 as of Jun. 26, 2026, which is 9% above its 10-year median of 1.15. GuruFocus rates MCHB with a GF Score™ of 12/100. The stock has 2 warning signs investors should review. Among 1,515 Banks companies, Mechanics Bancorp ranks worse than 62.24% on this metric.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Mechanics Bancorp PB Ratio Related Terms
Mechanics Bancorp PB Ratio Historical Data
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The historical data trend for Mechanics Bancorp's PB 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.
For the Banks - Regional subindustry, Mechanics Bancorp's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Mechanics Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Mechanics Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Mechanics Bancorp (MCHB) has a PB Ratio of 1.25 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Mechanics Bancorp and its competitors. This is near median its historical median of 1.15. Over the past decade, Mechanics Bancorp's PB Ratio has ranged from 1.05 to 1.29. According to the industry distribution chart, Mechanics Bancorp ranks #943 out of 1515 companies in the Banks industry, placing it in the top 62.2%.
Is Mechanics Bancorp's PB Ratio too high?
Mechanics Bancorp's current PB Ratio of 1.25 is near median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 1.05 to a high of 1.29. The Banks industry median PB Ratio is 1.08. Mechanics Bancorp's value of 1.25 is 15.7% above this industry median. Based on the distribution chart, Mechanics Bancorp ranks #943 out of 1515 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 PB Ratio compare to FFBC and FHB?
According to the Banks industry distribution chart, Mechanics Bancorp ranks #943 out of 1515 companies for PB Ratio. This places Mechanics Bancorp in the lower half of its industry. The industry median PB Ratio is 1.08. Mechanics Bancorp's value of 1.25 is 15.7% above this benchmark. Historically, Mechanics Bancorp's own PB Ratio has ranged from 1.05 to 1.29 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mechanics Bancorp's current PB Ratio of 1.25 is 15.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Mechanics Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mechanics Bancorp's current PB Ratio is 1.25, which is near median its own 10-year median of 1.15. 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 PB Ratio of 1.25. The current PB Ratio is 1.25, which is near median its 10-year median of 1.15 and 15.7% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Mechanics Bancorp (MCHB), the current PB Ratio is 1.25 as of Jun. 26, 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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