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Mutual Federal Bancorp

OTCPK:MFDB
Snowflake Description

Second-rate dividend payer with weak fundamentals.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
MFDB
OTCPK
$13M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Mutual Federal Bancorp, Inc. operates as the holding company for Mutual Federal Bank that provides various financial products and services in the United States. The last earnings update was 3532 days ago. More info.


Add to Portfolio Compare Print
  • Mutual Federal Bancorp has significant price volatility in the past 3 months.
MFDB Share Price and Events
7 Day Returns
0%
OTCPK:MFDB
0.4%
US Mortgage
0.8%
US Market
1 Year Returns
-14.8%
OTCPK:MFDB
5.3%
US Mortgage
4.8%
US Market
MFDB Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Mutual Federal Bancorp (MFDB) 0% -14.4% - -14.8% -30% 92.5%
US Mortgage 0.4% 3.3% 2.7% 5.3% 34.6% 46.8%
US Market 0.8% 4.3% 2.8% 4.8% 37.9% 43.5%
1 Year Return vs Industry and Market
  • MFDB underperformed the Mortgage industry which returned 5.3% over the past year.
  • MFDB underperformed the Market in United States of America which returned 4.8% over the past year.
Price Volatility
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Mutual Federal Bancorp's competitors could be found in our database.

MFDB Value

 Is Mutual Federal Bancorp undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Mutual Federal Bancorp to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Mutual Federal Bancorp.

OTCPK:MFDB Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Dividend Discount Model
Dividend Per Share Company Filings (2009-09-30) in USD $ .240000
Payout Ratio Company Filings (2009-09-30) -340.4%
Discount Rate (Cost of Equity) See below 9.3%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:MFDB
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Mortgage Unlevered Beta Simply Wall St/ S&P Global 0.87
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.869 (1 + (1- 21%) (0%))
1.109
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.11
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.109 * 5.96%)
9.34%

Discounted Cash Flow Calculation for OTCPK:MFDB using Dividend Discount Model Model

The calculations below outline how an intrinsic value for Mutual Federal Bancorp is arrived at by discounting future dividends to their present value. This approach is used for finance firms where free cash flow is difficult to estimate (e.g. Banks/ Insurance firms).

If the firm does not pay the majority of its earnings out as a dividend this method will often arrive at a value significantly lower than the share price.

See our documentation to learn about this calculation.

OTCPK:MFDB Gordon Growth Model
Calculation Result
Value per share = Expected dividends per share / (Discount Rate - Perpetual growth rate)
= $0.24 / (9.34% - 2.73%)
$1.47
OTCPK:MFDB Discount to Share Price
Calculation Result
Value per share (USD) From above. $1.47
Current discount Discount to share price of $3.85
= -1 x ($3.85 - $1.47) / $1.47
-161.8%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Mutual Federal Bancorp is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Mutual Federal Bancorp's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Mutual Federal Bancorp's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:MFDB PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2009-09-30) in USD Not available
OTCPK:MFDB Share Price ** OTCPK (2019-07-09) in USD $3.85
United States of America Mortgage Industry PE Ratio Median Figure of 129 Publicly-Listed Mortgage Companies 14.36x
United States of America Market PE Ratio Median Figure of 3,084 Publicly-Listed Companies 18.01x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Mutual Federal Bancorp.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to compare the PE ratio to the industry average as no data exists.
  • Unable to calculate PE ratio for Mutual Federal Bancorp, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does Mutual Federal Bancorp's expected growth come at a high price?
Raw Data
OTCPK:MFDB PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 0x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Mortgage Industry PEG Ratio Median Figure of 50 Publicly-Listed Mortgage Companies 1.45x
United States of America Market PEG Ratio Median Figure of 2,124 Publicly-Listed Companies 1.59x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Mutual Federal Bancorp, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Mutual Federal Bancorp's assets?
Raw Data
OTCPK:MFDB PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2009-09-30) in USD Not available
OTCPK:MFDB Share Price * OTCPK (2019-07-09) in USD $3.85
United States of America Mortgage Industry PB Ratio Median Figure of 145 Publicly-Listed Mortgage Companies 1.13x
United States of America Market PB Ratio Median Figure of 5,240 Publicly-Listed Companies 1.81x

* Primary Listing of Mutual Federal Bancorp.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to compare the PB ratio to the industry average as no data exists.
X
Value checks
We assess Mutual Federal Bancorp's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Mutual Federal Bancorp has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

MFDB Future Performance

 How is Mutual Federal Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Mutual Federal Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
10.6%
Expected Mortgage industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Mutual Federal Bancorp expected to grow at an attractive rate?
  • Unable to compare Mutual Federal Bancorp's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Mutual Federal Bancorp's earnings growth to the United States of America market average as no estimate data is available.
  • Unable to compare Mutual Federal Bancorp's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:MFDB Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 10.6%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 4.5%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.1%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:MFDB Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (9 years ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:MFDB Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2009-09-30 1 0 -2

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Mutual Federal Bancorp is high growth as no earnings estimate data is available.
  • Unable to determine if Mutual Federal Bancorp is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:MFDB Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (9 years ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Mutual Federal Bancorp Company Filings, last reported 9 years ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:MFDB Past Financials Data
Date (Data in USD Millions) EPS *
2009-09-30 -0.50

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Mutual Federal Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Mutual Federal Bancorp's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  2. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Mutual Federal Bancorp's filings and announcements here.
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Mutual Federal Bancorp's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Mutual Federal Bancorp has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

MFDB Past Performance

  How has Mutual Federal Bancorp performed over the past 5 years?

In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Mutual Federal Bancorp has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data. You can see them here.

Show me the analysis anyway

  • Mutual Federal Bancorp's last earnings update was 3532 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Mutual Federal Bancorp's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Insufficient past earnings data to establish if Mutual Federal Bancorp's year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare Mutual Federal Bancorp's 1-year growth to the 5-year average as past earnings data has not been reported.
  • Unable to compare Mutual Federal Bancorp's 1-year growth to the US Mortgage industry average as past earnings data has not been reported.
Earnings and Revenue History
Mutual Federal Bancorp's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Mutual Federal Bancorp Company Filings, last reported 9 years ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:MFDB Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2009-09-30 0.67 -1.65 2.35

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Unable to establish if Mutual Federal Bancorp has efficiently used shareholders’ funds last year as no Return on Equity data is available.
  • Unable to establish if Mutual Federal Bancorp has efficiently used its assets last year compared to the US Mortgage industry average (Return on Assets) as past financial data has not been reported.
  • Unable to establish if Mutual Federal Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.

Next steps:

  1. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Mutual Federal Bancorp's filings and announcements here.
  2. Past financial records are usually unavailable for companies that have just been established or recently publicly listed, which makes them inherently riskier. Take a look at a list of well-established companies here.
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Past performance checks
We assess Mutual Federal Bancorp's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Mutual Federal Bancorp has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

MFDB Health

 How is Mutual Federal Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

In this section we usually analyse Mutual Federal Bancorp's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Mutual Federal Bancorp has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information. You can see them here.

Show me the analysis anyway

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Mutual Federal Bancorp's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Mutual Federal Bancorp Company Filings, last reported 9 years ago.

OTCPK:MFDB Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2009-09-30 23.06 5.00 8.39
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Unable to establish if Mutual Federal Bancorp has an acceptable proportion of non-loan assets without balance sheet data.
  • Unable to establish if Mutual Federal Bancorp's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.
  • Mutual Federal Bancorp reports no customer deposits, loans are made up entirely of borrowed funds.
  • Unable to establish if Mutual Federal Bancorp's level of assets compared to its equity is high without balance sheet data.
  • Unable to establish if Mutual Federal Bancorp has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if Mutual Federal Bancorp has an acceptable level of bad loans without bad loans data.

Next steps:

  1. Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  2. Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Mutual Federal Bancorp's financial data was last updated here.
  3. Companies with strong financial health are considered a less risky investment. Discover these stocks here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Financial health checks
We assess Mutual Federal Bancorp's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Mutual Federal Bancorp has a total score of 0/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

MFDB Dividends

 What is Mutual Federal Bancorp's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
6.23%
Current annual income from Mutual Federal Bancorp dividends.
If you bought $2,000 of Mutual Federal Bancorp shares you are expected to receive $125 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Mutual Federal Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.41%).
  • Mutual Federal Bancorp's dividend is above the markets top 25% of dividend payers in United States of America (3.71%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:MFDB Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 95 Stocks 3.1%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2018 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:MFDB Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2009-12-02 0.240 5.370
2009-10-02 0.240 4.034
2009-06-01 0.240 3.107
2009-03-31 0.240 2.875

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • No dividend growth in 10 years.
Current Payout to shareholders
What portion of Mutual Federal Bancorp's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Mutual Federal Bancorp has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Mutual Federal Bancorp's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Mutual Federal Bancorp afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Mutual Federal Bancorp has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

MFDB Management

 What is the CEO of Mutual Federal Bancorp's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Stephen Oksas
COMPENSATION $272,646
AGE 61
TENURE AS CEO 13.5 years
CEO Bio

Mr. Stephen M. Oksas has been President and Chief Executive Officer at Mutual Federal Bancorp, MHC, the parent of Mutual Federal Bancorp, Inc., since November 2001. Mr. Oksas has been Chairman of the Board of Mutual Federal Bank (MHC). He serves as Executive Chairman, President and Chief Executive Officer of Mutual Federal Bancorp Inc. Prior to that, he was a Senior Examiner with the Federal Reserve Bank of Chicago and held various positions in finance and credit administration with First Interstate Bancorp and its subsidiary First Interstate Bank of California. He has been an Executive Director of Mutual Federal Bancorp Inc., since January 2002. He has been a Director of Mutual Federal Savings and Loan Association of Chicago since January 1997. He serves as a Director of the Illinois League of Financial Institutions.

CEO Compensation
  • Insufficient data for Stephen to compare compensation growth.
  • Insufficient data for Stephen to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Mutual Federal Bancorp management team in years:

9.2
Average Tenure
61
Average Age
  • The average tenure for the Mutual Federal Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Stephen Oksas

TITLE
Chairman
COMPENSATION
$273K
AGE
61
TENURE
13.5 yrs

John Garlanger

TITLE
Director
COMPENSATION
$213K
AGE
72

Julie Oksas

TITLE
Executive VP & Secretary
COMPENSATION
$36K
AGE
57

Gary LaBedz

TITLE
Executive VP

Supriyo Roy

TITLE
Co-Head of Great American Bank and Director of Mutual Federal Bank
TENURE
9.2 yrs

Harry Katz

TITLE
Co-Head of Great American Bank and Director of Mutual Federal Bank
TENURE
9.2 yrs
Board of Directors Tenure

Average tenure and age of the Mutual Federal Bancorp board of directors in years:

13.5
Average Tenure
64
Average Age
  • The average tenure for the Mutual Federal Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Stephen Oksas

TITLE
Chairman
COMPENSATION
$273K
AGE
61
TENURE
13.5 yrs

John Garlanger

TITLE
Director
COMPENSATION
$213K
AGE
72
TENURE
11 yrs

Julie Oksas

TITLE
Executive VP & Secretary
COMPENSATION
$36K
AGE
57
TENURE
13.5 yrs

Supriyo Roy

TITLE
Co-Head of Great American Bank and Director of Mutual Federal Bank
TENURE
9.2 yrs

Harry Katz

TITLE
Co-Head of Great American Bank and Director of Mutual Federal Bank
TENURE
9.2 yrs

Leonard Kosacz

TITLE
Director
COMPENSATION
$37K
AGE
95
TENURE
13.5 yrs

Amy Keane

TITLE
Director
COMPENSATION
$22K
AGE
56
TENURE
12.3 yrs

Stanley Balzekas

TITLE
Director
COMPENSATION
$34K
AGE
64
TENURE
13.5 yrs

Robert Kazan

TITLE
Director
COMPENSATION
$33K
AGE
72
TENURE
13.5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Mutual Federal Bancorp's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Mutual Federal Bancorp has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

MFDB News

Simply Wall St News

MFDB Company Info

Description

Mutual Federal Bancorp, Inc. operates as the holding company for Mutual Federal Bank that provides various financial products and services in the United States. It accepts various deposit products, such as checking, savings, money market, certificates of deposit, and individual retirement accounts; and offers mortgage and home equity loans. The company was founded in 1905 and is based in Chicago, Illinois.

Details
Name: Mutual Federal Bancorp, Inc.
MFDB
Exchange: OTCPK
Founded: 1905
$12,835,900
3,334,000
Website: http://www.mutualfederalbank.com
Address: Mutual Federal Bancorp, Inc.
2212 West Cermak Road,
Chicago,
Illinois, 60608,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK MFDB Common Stock Pink Sheets LLC US USD 06. Apr 2006
Number of employees
Current staff
Staff numbers
0
Mutual Federal Bancorp employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/16 00:12
End of day share price update: 2019/07/09 00:00
Last earnings filing: 2009/11/13
Last earnings reported: 2009/09/30
Last annual earnings reported: 2008/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.