M&F Bancorp Past Earnings Performance
Past criteria checks 4/6
M&F Bancorp has been growing earnings at an average annual rate of 45.9%, while the Banks industry saw earnings growing at 7.2% annually. Revenues have been growing at an average rate of 20% per year. M&F Bancorp's return on equity is 4.5%, and it has net margins of 23%.
Key information
45.9%
Earnings growth rate
46.3%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 20.0% |
| Return on equity | 4.5% |
| Net Margin | 23.0% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How M&F Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 24 | 5 | 14 | 0 |
| 30 Sep 23 | 24 | 6 | 13 | 0 |
| 30 Jun 23 | 22 | 6 | 13 | 0 |
| 31 Mar 23 | 21 | 5 | 12 | 0 |
| 31 Dec 22 | 19 | 4 | 12 | 0 |
| 30 Sep 22 | 18 | 3 | 11 | 0 |
| 30 Jun 22 | 17 | 3 | 11 | 0 |
| 31 Mar 22 | 17 | 3 | 11 | 0 |
| 31 Dec 21 | 16 | 3 | 11 | 0 |
| 30 Sep 21 | 15 | 3 | 10 | 0 |
| 30 Jun 21 | 14 | 2 | 10 | 0 |
| 31 Mar 21 | 12 | 2 | 9 | 0 |
| 31 Dec 20 | 12 | 1 | 9 | 0 |
| 30 Sep 20 | 11 | 1 | 9 | 0 |
| 30 Jun 20 | 11 | 1 | 9 | 0 |
| 31 Mar 20 | 11 | 1 | 9 | 0 |
| 31 Dec 19 | 11 | 1 | 9 | 0 |
| 31 Dec 18 | 10 | 0 | 9 | 0 |
| 31 Dec 17 | 9 | -3 | 9 | 0 |
| 31 Dec 16 | 6 | -2 | 9 | 0 |
| 30 Sep 16 | 6 | -4 | 9 | 0 |
| 30 Jun 16 | 11 | 0 | 9 | 0 |
| 31 Mar 16 | 11 | 0 | 9 | 0 |
| 31 Dec 15 | 12 | 0 | 9 | 0 |
| 30 Sep 15 | 12 | 0 | 9 | 0 |
| 30 Jun 15 | 12 | 0 | 9 | 0 |
| 31 Mar 15 | 13 | 0 | 9 | 0 |
| 31 Dec 14 | 13 | 1 | 9 | 0 |
| 30 Sep 14 | 13 | 1 | 9 | 0 |
| 30 Jun 14 | 13 | 1 | 9 | 0 |
| 31 Mar 14 | 12 | 0 | 9 | 0 |
| 31 Dec 13 | 12 | 0 | 10 | 0 |
Quality Earnings: MFBP has high quality earnings.
Growing Profit Margin: MFBP's current net profit margins (23%) are higher than last year (22.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: MFBP's earnings have grown significantly by 45.9% per year over the past 5 years.
Accelerating Growth: MFBP's earnings growth over the past year (25.9%) is below its 5-year average (45.9% per year).
Earnings vs Industry: MFBP earnings growth over the past year (25.9%) exceeded the Banks industry -13.1%.
Return on Equity
High ROE: MFBP's Return on Equity (4.5%) is considered low.