Mechanics Bank (MCHB) vs TowneBank (TOWN)
A side-by-side comparison of Mechanics Bank and TowneBank across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — MCHB vs TOWN
growth of $100 · dividends reinvested · last 10yMCHB vs TOWN: by the numbers
- •MCHB is the larger company ($3.28B vs $3.26B market cap).
- •TOWN trades at the lower trailing earnings multiple (9.95 vs 11.91 P/E), one valuation lens rather than an overall verdict.
- •MCHB converts more revenue to profit (26.53% vs 24.14% net margin).
- •MCHB grew revenue faster over the past five years (21.79% vs 11.08% CAGR).
- •MCHB pays the higher dividend yield (10.43% vs 5.04%).
Metrics side by side
Valuation
| Metric | MCHB | TOWN |
|---|---|---|
| P/E ratio | 11.91 | 9.95 |
| Forward P/E | 14.32 | 11.28 |
| PEG ratio | 0.42 | 5.18 |
| P/S ratio | 3.09 | 2.51 |
| P/B ratio | 1.22 | 1.09 |
Profitability
| Metric | MCHB | TOWN |
|---|---|---|
| Operating margin | 31.51% | 20.86% |
| Net margin | 26.53% | 24.14% |
| ROE | 10.46% | 10.48% |
Mechanics Bank: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
TowneBank: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | MCHB | TOWN |
|---|---|---|
| Dividend yield | 10.43% | 5.04% |
| Payout ratio | 124.80% | 50.56% |
Growth (annualized)
| Metric | MCHB | TOWN |
|---|---|---|
| Revenue CAGR (5Y) | 21.79% | 11.08% |
| EPS CAGR (5Y) | 28.37% | 2.01% |
| Total return CAGR (5Y) | -15.32% | 6.13% |
Frequently asked
- Which has the lower trailing P/E, MCHB or TOWN?
- TOWN has the lower trailing P/E: MCHB trades at 11.91 and TOWN at 9.95. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, MCHB or TOWN?
- Over the past five years, MCHB grew revenue faster — MCHB at a 21.79% CAGR versus TOWN at 11.08%.
- Does MCHB or TOWN pay a bigger dividend?
- MCHB yields 10.43% and TOWN yields 5.04% based on trailing dividends and the latest price.
- Is MCHB or TOWN more profitable?
- MCHB runs the higher net margin — MCHB at 26.53% versus TOWN at 24.14%.
- How have MCHB and TOWN total returns compared?
- Over the past 10 years, MCHB delivered -2.87% and TOWN delivered 7.26% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Mechanics Bank & TowneBank appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.