Mechanics Bancorp (MCHB) vs TowneBank (TOWN)
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 TowneBank (TOWN) over the past year, gaining 11.3% versus a gain of 2.8%. Over five years, TOWN leads with a +9.7% price change compared with -65.6% for MCHB. TowneBank is the larger company by market cap ($3.22 billion vs $3.20 billion), about 1.0 times the size.
On valuation, TowneBank trades at a lower forward P/E (9.7x vs 12.2x for Mechanics Bancorp). Mechanics Bancorp offers the higher dividend yield (9.06% vs 3.13%).
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 | TOWN |
|---|---|---|
| Share price | $14.47 | $34.80 |
| Market cap | $3.20B | $3.22B |
| 1-day change | -0.99% | -0.51% |
| YTD return | -0.14% | +4.82% |
| 1-year return | +11.27% | +2.76% |
| 5-year return | -65.63% | +9.66% |
| P/E ratio (TTM) | 11.30 | 17.49 |
| Forward P/E | 12.21 | 9.72 |
| EPS (TTM) | $1.28 | $1.99 |
| Dividend yield | 9.06% | 3.13% |
| Annual dividend | $1.31 | $1.09 |
| Revenue (latest FY) | $49.73M | — |
| Revenue growth (YoY) | +3.33% | — |
| Net income (latest FY) | $265.74M | — |
| Net margin | 534.39% | — |
| 52-week high | $17.38 | $39.03 |
| 52-week low | $12.82 | $31.91 |
| Distance from 52-week high | -16.77% | -10.84% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +20.15% | +14.94% |
| Average volume | 575.29K | 589.51K |
| Shares outstanding | 220.31M | 92.44M |
| Employees | 1,756 | 2,932 |
| 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
- TowneBank trades at a higher earnings multiple (17.5x vs 11.3x trailing P/E).
- Mechanics Bancorp offers a meaningfully higher dividend yield (9.06% vs 3.13%).
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 TowneBank
TOWN stock →TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in the United States. It operates through four segments: Banking, Mortgage, Resort Vacation Management, and Insurance.
Finance · Major Banks · 2,932 employees
MCHB vs TOWN FAQ
Which is bigger, Mechanics Bancorp or TowneBank?
TowneBank (TOWN) is larger, with a market capitalization of $3.22B compared with $3.20B for Mechanics Bancorp (MCHB).
Which stock has performed better over the past year, MCHB or TOWN?
MCHB returned +11.27% over the past 12 months, compared with +2.76% for TOWN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, MCHB or TOWN?
MCHB has the lower trailing P/E at 11.3, versus 17.5 for TOWN. 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 TowneBank?
Mechanics Bancorp has the higher yield at 9.06%, compared with 3.13% for TowneBank.
Are Mechanics Bancorp and TowneBank in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.