M&F Bancorp, Inc.

OTCPK:MFBP Stock Report

Market Cap: US$38.2m

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% 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 Growth11.2%
Revenue growth rate20.0%
Return on equity4.5%
Net Margin23.0%
Last Earnings Update31 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

OTCPK:MFBP Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 23245140
30 Sep 23246130
30 Jun 23226130
31 Mar 23215120
31 Dec 22194120
30 Sep 22183110
30 Jun 22173110
31 Mar 22173110
31 Dec 21163110
30 Sep 21153100
30 Jun 21142100
31 Mar 2112290
31 Dec 2012190
30 Sep 2011190
30 Jun 2011190
31 Mar 2011190
31 Dec 1911190
31 Dec 1810090
31 Dec 179-390
31 Dec 166-290
30 Sep 166-490
30 Jun 1611090
31 Mar 1611090
31 Dec 1512090
30 Sep 1512090
30 Jun 1512090
31 Mar 1513090
31 Dec 1413190
30 Sep 1413190
30 Jun 1413190
31 Mar 1412090
31 Dec 13120100

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 -11.7%.

Return on Equity

High ROE: MFBP's Return on Equity (4.5%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/30 21:24
End of Day Share Price 2024/12/30 00:00
Earnings2023/12/31
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

AnalystInstitution