ScoreWhy is Mechanics Bancorp ?
1
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- NII(Q) Highest at USD 181.47 MM
- ROCE(HY) Highest at 1.12%
- NET PROFIT(Q) Highest at USD 127.13 MM
2
With ROA of -1.01%, it has a risky valuation with a 7.45 Price to Book Value
- Over the past year, while the stock has generated a return of 54.37%, its profits have fallen by -838.7%
3
Increasing Participation by Institutional Investors
- Institutional investors have increased their stake by 3.54% over the previous quarter and collectively hold 13.35% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
4
Market Beating Performance
- The stock has generated a return of 54.37% in the last 1 year, much higher than market (S&P 500) returns of 12.95%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Mechanics Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.07%
EBIT Growth (5y)
5.43%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
13.35%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
7.45
EV to EBIT
-33.43
EV to EBITDA
-36.02
EV to Capital Employed
2.83
EV to Sales
10.92
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-8.47%
ROE (Latest)
-34.61%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend43What is working for the Company
NII(Q)
Highest at USD 181.47 MM
ROCE(HY)
Highest at 1.12%
NET PROFIT(Q)
Highest at USD 127.13 MM
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at USD 2,472.63 MM
NET SALES(Q)
Highest at USD 255.14 MM
OPERATING PROFIT(Q)
Highest at USD 157.18 MM
OPERATING PROFIT MARGIN(Q)
Highest at 61.61 %
PRE-TAX PROFIT(Q)
Highest at USD 157.46 MM
-4What is not working for the Company
ROCE(HY)
Lowest at 1.12%
CREDIT DEPOSIT RATIO(HY)
Lowest at 74.52%
Here's what is working for Mechanics Bancorp
Net Sales
At USD 255.14 MM has Grown at 115.87%
over average net sales of the previous four periods of USD 118.19 MMMOJO Watch
Near term sales trend is extremely positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 157.46 MM has Grown at 855.33%
over average net sales of the previous four periods of USD -20.85 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 127.13 MM has Grown at 591.16%
over average net sales of the previous four periods of USD -25.88 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 181.47 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
Highest at USD 127.13 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.33%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at USD 255.14 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 157.18 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 61.61 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 157.46 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Cash and Eqv
Highest at USD 2,472.63 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 14.07%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Mechanics Bancorp
Credit Deposit Ratio
Lowest at 74.52%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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