Mechanics Bancorp (MCHB) vs Seacoast Banking of Florida (SBCF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Mechanics Bancorp (MCHB) has outperformed Seacoast Banking of Florida (SBCF) over the past year, gaining 11.3% versus a gain of 0.5%. Over five years, SBCF leads with a -12.0% price change compared with -65.6% for MCHB. Mechanics Bancorp is the larger company by market cap ($3.24 billion vs $3.09 billion), about 1.0 times the size, while Seacoast Banking of Florida is growing revenue faster (+26.6% vs +3.3%).
On valuation, Seacoast Banking of Florida trades at a lower forward P/E (11.5x vs 12.3x for Mechanics Bancorp). Mechanics Bancorp offers the higher dividend yield (8.97% vs 2.35%). Mechanics Bancorp converts more of its revenue into profit, with a net margin of 534.4% versus 22.2%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | MCHB | SBCF |
|---|---|---|
| Share price | $14.61 | $31.87 |
| Market cap | $3.24B | $3.09B |
| 1-day change | -1.88% | -1.70% |
| YTD return | -0.14% | +1.43% |
| 1-year return | +11.27% | +0.47% |
| 5-year return | -65.63% | -11.99% |
| P/E ratio (TTM) | 11.41 | 20.56 |
| Forward P/E | 12.25 | 11.51 |
| EPS (TTM) | $1.28 | $1.55 |
| Dividend yield | 8.97% | 2.35% |
| Annual dividend | $1.31 | $0.75 |
| Revenue (latest FY) | $49.73M | $652.63M |
| Revenue growth (YoY) | +3.33% | +26.63% |
| Net income (latest FY) | $265.74M | $144.88M |
| Net margin | 534.39% | 22.20% |
| 52-week high | $17.38 | $36.27 |
| 52-week low | $12.82 | $28.58 |
| Distance from 52-week high | -15.94% | -12.13% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +18.96% | +16.22% |
| Average volume | 575.77K | 899.08K |
| Shares outstanding | 220.31M | 96.82M |
| Employees | 1,756 | 1,964 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- MCHB has outperformed SBCF by 10.8 percentage points over the past year.
- Seacoast Banking of Florida trades at a higher earnings multiple (20.6x vs 11.4x trailing P/E).
- Mechanics Bancorp offers a meaningfully higher dividend yield (8.97% vs 2.35%).
- Mechanics Bancorp is more profitable, keeping 534.4 cents of every revenue dollar as net income versus 22.2 cents for Seacoast Banking of Florida.
- Seacoast Banking of Florida grew revenue faster in its latest fiscal year (+26.63% vs +3.33%).
About Mechanics Bancorp
MCHB stock →Mechanics Bancorp operates as the holding company for Mechanics Bank that provides banking services in California, Oregon, Washington, and Hawaii.It offers various checking and savings accounts, retirement accounts, money market accounts, time certificates of deposit, and safe deposit boxes. The company also provides home loans, auto loans, term loans and lines of credit, owner occupied real estate lending services, small business lending loans, multi-family lending services; mortgage and consumer lending loans; commercial real estate loans; residential construction loans; private banking, such as loan program, personal lines of credit and investment management and trust lines of credit.
Finance · Major Banks · 1,756 employees
About Seacoast Banking of Florida
SBCF stock →Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. The company offers noninterest and interest-bearing demand deposits, money market, savings, and customer sweep accounts; time deposits; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment and revolving lines, as well as loans for automobiles, boats, and personal and family purposes.
Finance · Major Banks · 1,964 employees
MCHB vs SBCF FAQ
Which is bigger, Mechanics Bancorp or Seacoast Banking of Florida?
Mechanics Bancorp (MCHB) is larger, with a market capitalization of $3.24B compared with $3.09B for Seacoast Banking of Florida (SBCF).
Which stock has performed better over the past year, MCHB or SBCF?
MCHB returned +11.27% over the past 12 months, compared with +0.47% for SBCF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, MCHB or SBCF?
MCHB has the lower trailing P/E at 11.4, versus 20.6 for SBCF. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Mechanics Bancorp or Seacoast Banking of Florida?
Mechanics Bancorp has the higher yield at 8.97%, compared with 2.35% for Seacoast Banking of Florida.
Are Mechanics Bancorp and Seacoast Banking of Florida in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.