MFBP Stock Overview

Operates as a bank holding company for the Mechanics and Farmers Bank that provides consumer and commercial banking products and services in North Carolina. More details

MFBP fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	4/6
Financial Health	4/6
Dividends	2/6

Rewards

Price-To-Earnings ratio (6.9x) is below the US market (18.3x)

Earnings grew by 25.9% over the past year

Risk Analysis

Latest financial reports are more than 6 months old

Does not have a meaningful market cap ($38M)

My Notes

Capture your thoughts, links and company narrative

M&F Bancorp, Inc. Competitors

RBAZ Bancorp

OTCPK:RBAZ

US$36.4m

Solera National Bancorp

OTCPK:SLRK

US$40.0m

Oak View Bankshares

OTCPK:OAKV

US$42.2m

PB Bankshares

NasdaqCM:PBBK

US$36.3m

Price History & Performance

Summary of share price highs, lows and changes for M&F Bancorp
Historical stock prices
Current Share Price	US$19.00
52 Week High	US$19.74
52 Week Low	US$11.35
Beta	-0.11
1 Month Change	0.053%
3 Month Change	2.70%
1 Year Change	31.49%
3 Year Change	169.50%
5 Year Change	566.64%
Change since IPO	356.00%

Recent updates

Shareholder Returns

	MFBP	US Banks	US Market
7D	0%	-3.4%	-2.4%
1Y	31.5%	29.1%	23.4%

Return vs Industry: MFBP exceeded the US Banks industry which returned 29.1% over the past year.

Return vs Market: MFBP exceeded the US Market which returned 23.3% over the past year.

Price Volatility

Is MFBP's price volatile compared to industry and market?
MFBP volatility
MFBP Average Weekly Movement	5.8%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: MFBP has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: MFBP's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1907	n/a	Jim Sills	www.mfbonline.com

M&F Bancorp, Inc. operates as a bank holding company for the Mechanics and Farmers Bank that provides consumer and commercial banking products and services in North Carolina. It offers deposit products, including demand deposits; checking, savings, and money market accounts, as well as certificates of deposit. The company provides loans for commercial and residential real estate, and construction; and consumer and other loans; as well as ATM services.

M&F Bancorp, Inc. Fundamentals Summary

How do M&F Bancorp's earnings and revenue compare to its market cap?
MFBP fundamental statistics
Market cap	US$37.68m
Earnings (TTM)	US$5.46m
Revenue (TTM)	US$23.73m

6.9x

P/E Ratio

1.4x

P/B Ratio

Is MFBP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MFBP income statement (TTM)
Revenue	US$23.73m
Cost of Revenue	US$0
Gross Profit	US$23.73m
Other Expenses	US$18.27m
Earnings	US$5.46m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	2.75
Gross Margin	100.00%
Net Profit Margin	22.99%
Debt/Equity Ratio	0%

How did MFBP perform over the long term?

See historical performance and comparison

Dividends

1.1%

Current Dividend Yield

6%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 06:55
End of Day Share Price	2024/12/20 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

M&F Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

M&F Bancorp OTCPK:MFBP Stock Report