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


MCHB Mechanics Bancorp MCHB
12 GF Score
Price $15.85
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What is Mechanics Bancorp Scaled Net Operating Assets?

Mechanics Bancorp MCHB -0.84% 12 Scaled Net Operating Assets is 0.11 as of Mar. 2026. GuruFocus rates MCHB with a GF Score™ of 12/100. 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 $18,434.4 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.

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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 )
=(21321.492-19257.845)/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 - 231.255 - 0
=19257.845

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 )
=(20898.624-18434.386)/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 - 163.177 - 0
=18434.386

* 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 12/100, reflecting its overall financial health beyond just this single metric.
How does Mechanics Bancorp's Scaled Net Operating Assets compare to FFBC and CBU?
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 current Scaled Net Operating Assets is 0.11. 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 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.

Mechanics Bancorp Business Description

Address 1111 Civic Drive, Suite 390, Walnut Creek, CA, USA, 94596
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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