M&F Bancorp (MFBP) Stock Overview

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

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

Rewards

Price-To-Earnings ratio (12.8x) is below the US market (18.2x)

Risk Analysis

Profit margins (12%) are lower than last year (18.3%)

Does not have a meaningful market cap ($37M)

MFBP Community Fair Values

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M&F Bancorp, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for M&F Bancorp
Historical stock prices
Current Share Price	US$19.01
52 Week High	US$24.31
52 Week Low	US$17.75
Beta	-0.50
1 Month Change	0.16%
3 Month Change	-1.25%
1 Year Change	2.76%
3 Year Change	7.28%
5 Year Change	408.29%
Change since IPO	356.24%

Recent updates

Shareholder Returns

	MFBP	US Banks	US Market
7D	0.2%	1.1%	0.5%
1Y	2.8%	22.8%	20.1%

Return vs Industry: MFBP underperformed the US Banks industry which returned 22.8% over the past year.

Return vs Market: MFBP underperformed the US Market which returned 20.1% over the past year.

Price Volatility

Is MFBP's price volatile compared to industry and market?
MFBP volatility
MFBP Average Weekly Movement	n/a
Banks Industry Average Movement	3.8%
Market Average Movement	6.4%
10% most volatile stocks in US Market	17.4%
10% least volatile stocks in US Market	3.0%

Stable Share Price: Data is not available.

Volatility Over Time: Insufficient data to determine MFBP's volatility change 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 the bank holding company for Mechanics and Farmers Bank that provides consumer and commercial banking products and services in North Carolina. It offers personal and business checking and savings, health savings, investment, individual retirement, and money market accounts, as well as certificates of deposit; home equity line of credit; payments and cash management solutions; and online and mobile banking services. The company also provides personal unsecured loans, personal unsecured line of credit, secured personal loans and lines of credit, and auto loans; and business and small business administration loans, as well as credit cards.

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$36.72m
Earnings (TTM)	US$2.87m
Revenue (TTM)	US$23.79m

12.8x

P/E Ratio

1.1x

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$23.79m
Cost of Revenue	US$0
Gross Profit	US$23.79m
Other Expenses	US$20.93m
Earnings	US$2.87m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	1.48
Gross Margin	100.00%
Net Profit Margin	12.04%
Debt/Equity Ratio	0%

How did MFBP perform over the long term?

See historical performance and comparison

Dividends

1.3%

Current Dividend Yield

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/11/02 19:01
End of Day Share Price	2025/10/31 00:00
Earnings	2025/06/30
Annual Earnings	2024/12/31

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.

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 Github.

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.

M&F Bancorp, Inc.OTCPK:MFBP Stock Report