MCHB (Mechanics Bancorp) Scaled Net Operating Assets: 0.11 (As of Mar. 2026)

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MCHB Mechanics Bancorp MCHB
25 GF Score
Price $16.23
GF Value $11,987.70
! 2 Warning Signs
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What is Mechanics Bancorp Scaled Net Operating Assets?

Mechanics Bancorp MCHB +0.43% 25 Scaled Net Operating Assets is 0.11 as of Mar. 2026. GuruFocus rates MCHB with a GF Score™ of 25/100 and a GF Value™ of $11,987.70. The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Mechanics Bancorp's operating assets for the quarter that ended in Mar. 2026 was $20,898.6 Mil. Mechanics Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $18,386.3 Mil. Mechanics Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $22,351.5 Mil. Therefore, Mechanics Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.11.

MCHB
25GF Score
Mechanics Bancorp MCHB
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Mechanics Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Mechanics Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(21321.492-19210.292)/16490.112
=0.13

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=22351.475 - 1029.983
=21321.492

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=19489.1 - 278.808 - 0
=19210.292

Mechanics Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(20898.624-18386.345)/22351.475
=0.11

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=21388.955 - 490.331
=20898.624

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=18597.563 - 211.218 - 0
=18386.345

* 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.

What does a Scaled Net Operating Assets of 0.11 mean?
Mechanics Bancorp (MCHB) has a Scaled Net Operating Assets of 0.11 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Mechanics Bancorp and its competitors.
Is Mechanics Bancorp's Scaled Net Operating Assets too high?
Mechanics Bancorp's current Scaled Net Operating Assets is 0.11. Overall, Mechanics Bancorp has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Mechanics Bancorp's Scaled Net Operating Assets compare to FBK and EFSC?
Mechanics Bancorp's Scaled Net Operating Assets of 0.11 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Mechanics Bancorp and its competitors. Mechanics Bancorp's current Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets of 0.11. The stock's GF Value™ is $11,987.70, compared to a current price of $16.23 — trading 99.9% below its estimated fair value. The current Scaled Net Operating Assets is 0.11. Mechanics Bancorp's overall GF Score™ is 25/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Mechanics Bancorp (MCHB), the current Scaled Net Operating Assets is 0.11 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.

Is Mechanics Bancorp (MCHB) Overvalued in 2026?

Based on GuruFocus' analysis, Mechanics Bancorp stock appears to be undervalued. The current stock price of $16.23 is trading 99.9% below its estimated GF Value™ of $11,987.70.

Key valuation signals for MCHB:

  • Scaled Net Operating Assets: 0.11
  • GF Value™: $11,987.70 vs. price of $16.23 (99.9% below fair value)
  • GF Score™: 25/100 with 2 warning signs

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 Business Description

Address 1111 Civic Drive, Suite 390, Walnut Creek, CA, USA, 94596
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.
25GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.23
Price
$11,987.70
GF Value