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MCHBMechanics Bancorp Class A Common Stock

Options Analysis Report•STATE COMMERCIAL BANKS
Market Cap $3.5B|NASDAQ
● 2026-08-31$15.89
VERY BULLISH
Analysis: 2026-08-28 EOD data
1Y +24.2%YTD +7.9%7D -1.7%
7
30D
±7.7%
12%

MCHB Options Overview

bullish flow. No clear edge detected.

REWARDS

RISK ANALYSIS

5.2VALUESENTIMENTACTIVITYLIQUIDITYTIMING

Snowflake Analysis

Balanced conditions with no clear edge

Learn
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MCHB Gamma Walls

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Value

Is IV priced right?

4.6
ExpensiveCheap

Measures whether options are cheap, fair, or rich relative to historical and peer

levels.

Risk Checks4/9 checks passed
≤35%

IV Rank 66.8% — elevated vs history

<1.05x

IV/HV 2.35x — IV premium over HV

Sector Relative≤50%

Sector percentile 81% — above sector median

<1.1x

Front/Back 0.47x — contango

<1.25x

Put/Call IV 1.16x — elevated

<80%

ATM IV 42.5% — normal range

<80%

Effective IV 75.6% (ATM 42.5% + spread 16.6% + bias) — fair

<3.0%

Total drag 21.06% (spread 16.56% + slippage 4.50%) — high friction

≥5.0

Vega efficiency 0.00 (vega 0.000 / spread 16.56%) — spread drag

Sentiment

Bullish or bearish?

10.0
BearishBullish

Analyzes

,
, and flow direction to determine market bias.

Risk ChecksVery Bullish - Strong signal (Conviction: +100%, Raw: +100%)
|net sentiment| ≥25%

Conviction-weighted: +100% (strong bullish) — Raw: +100%

≥15%

|OI skew| 86.0% — call-heavy

Same sign, |vol skew| ≥10%

Vol skew +100.0%, OI skew +86.0% — aligned

≥2/3 conditions

0-DTE 0%, far-OTM 15%, avg DTE 30

|change| ≥3%

OI change +0.0% (5d) — stable

|weighted flow| ≥20%

ITM: +100%, ATM: +0%, OTM: +0% — strong bullish (ITM/ATM divergent)

Sector Relative≤40% or ≥60%

Sector P/C percentile 50% — neutral vs sector

Activity

Unusual activity?

2.9
QuietActive

Detects volume surges,

, and unusual options activity that may signal moves.

Risk Checks1/8 checks passed
≥1.5x

Volume 0.7x avg — normal

≥15%

Vol/OI 1.2% — normal turnover

≥2 days

1 day(s) elevated — may be one-day event

≥5%

OI change +2.2% (5d) — building

Sector Relative≥60%

Sector activity percentile 36% — below sector avg

≥30%

Large trade volume 0% — mostly retail

≥60%

Aggressive execution 50% — patient

≥30

Conviction +100 (bullish) — strong conviction

Liquidity

Can I trade efficiently?

1.9
IlliquidLiquid

Evaluates

, volume depth, and open interest for trade execution quality.

Risk Checks0/8 checks passed
≤5.0%

Spread 16.6% — wide

≥10,000

OI 559 — thin

≥500

Volume 7/day — thin

≤$0.50

$0.83 to cross — expensive

≥5 strikes

0 liquid strikes — limited options

Sector Relative≤40%

Sector spread percentile 86% — much wider than sector

≥100 contracts

Depth 25.0 contracts (bid:1.0 ask:24.0) — thin

<1.0%

Avg slippage 4.50% — poor

Timing

Is now a good time?

6.5
RiskyFavorable

Considers earnings proximity,

, and event calendar for optimal entry timing.

Risk Checks5/9 checks passed
|slope| ≥5%

Slope -52.7% — contango

<30 or >70

IV percentile 67% — neutral

≥10pts kink

IV kink -23.4pts — no clear event

<0.5 or >2.0

θ/ν ratio 1.00 — favors mixed

≥3 expirations

4 liquid expirations — flexible

≥60% (safe)

safe window: No events detected

<1.2 ratio

Spread ratio 1.00x — stable

≥25% strength + ≥50% consistency

Flow +100% @ 100% consistency — STRONG directional (bullish)

≥40 composite score

Score 30 (ITM 20% + inst 0%) — retail dominated

Directional Strategy Fit

Option Buyers
Long Calls7.4
bullishIV fair, bullish flow
Long Puts2.9
bearishIV fair, bullish flow
Premium Sellers
Cash-Secured Put6.5
bullishIV fair, bullish flow
Covered Call3.0
bearishIV fair, bullish flow

For educational purposes only. Not investment advice.

The Options Desk tracks the move options price into every US earnings report the week of Aug 31, next to how much each stock has actually moved on its past prints — plus the SPY, QQQ and IWM expected ranges and the gamma walls that box them in.

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