Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Mechanics BancorpMCHB -0.81%33 5-Year Yield-on-Cost % is 8.23 as of Jul. 22, 2026, which is 118% above its 10-year median of 3.78. GuruFocus rates MCHB with a GF Score™ of 33/100 and a GF Value™ of $9.27 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,251 Banks companies, Mechanics Bancorp ranks better than 83.45% on this metric.
Mechanics Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 8.23.
The historical rank and industry rank for Mechanics Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
MCHB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.34 Med: 3.78 Max: 8.16
Current: 8.23
During the past 13 years, Mechanics Bancorp's highest Yield on Cost was 8.16. The lowest was 1.34. And the median was 3.78.
MCHB's 5-Year Yield-on-Cost % is ranked better than 83.45% of 1251
companies
in the Banks industry
Industry Median: 3.88
vs MCHB: 8.23
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Mechanics Bancorp 5-Year Yield-on-Cost % Related Terms
MCHB vs FBK, EFSC, PPBI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Mechanics Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Mechanics Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Mechanics Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Mechanics Bancorp (MCHB) has a 5-Year Yield-on-Cost % of 8.23 as of Jul. 22, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Mechanics Bancorp and its competitors. This is 118% above median its historical median of 3.78. Over the past decade, Mechanics Bancorp's 5-Year Yield-on-Cost % has ranged from 1.34 to 8.16. According to the industry distribution chart, Mechanics Bancorp ranks #207 out of 1251 companies in the Banks industry, placing it in the top 16.5%.
Is Mechanics Bancorp's 5-Year Yield-on-Cost % too high?
Mechanics Bancorp's current 5-Year Yield-on-Cost % of 8.23 is 118% above median its 10-year median of 3.78. Over the past 10 years, this metric has ranged from a low of 1.34 to a high of 8.16. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Mechanics Bancorp's value of 8.23 is 112.1% above this industry median. Based on the distribution chart, Mechanics Bancorp ranks #207 out of 1251 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 33/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mechanics Bancorp's 5-Year Yield-on-Cost % compare to FBK and EFSC?
According to the Banks industry distribution chart, Mechanics Bancorp ranks #207 out of 1251 companies for 5-Year Yield-on-Cost %. This places Mechanics Bancorp in the top 17% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.88. Mechanics Bancorp's value of 8.23 is 112.1% above this benchmark. Historically, Mechanics Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.34 to 8.16 over the past decade. While the company's 10-year median is 3.78 vs. the industry median of 3.88, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mechanics Bancorp's current 5-Year Yield-on-Cost % of 8.23 is 112.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Mechanics Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mechanics Bancorp's current 5-Year Yield-on-Cost % is 8.23, which is 118% above median its own 10-year median of 3.78. 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?
Based on GuruFocus' analysis, Mechanics Bancorp (MCHB) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.27, compared to a current price of $15.91 — trading 71.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 8.23, which is 118% above median its 10-year median of 3.78 and 112.1% above the Banks industry median of 3.88. Mechanics Bancorp's overall GF Score™ is 33/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Mechanics Bancorp (MCHB), the current 5-Year Yield-on-Cost % is 8.23 as of Jul. 22, 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 overvalued.
The current stock price of $15.91 is trading 71.6% above its estimated GF Value™ of $9.27.
GuruFocus considers Mechanics Bancorp to be Significantly Overvalued.
Key valuation signals for MCHB:
5-Year Yield-on-Cost %: 8.23 (118% above median its 10-year median of 3.78)
GF Value™: $9.27 vs. price of $15.91 (71.6% above fair value)
Industry Position: 112.1% above the Banks median (#207 of 1251)
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 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.
33GF Score
Get the complete analysis for MCHB
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MCHB has been successfully added to your 
