OTCPK:MFDB

Stock Analysis Report

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Mutual Federal Bancorp

Executive Summary

Mutual Federal Bancorp, Inc. operates as the holding company for Mutual Federal Bank that provides various financial products and services in the United States. More Details


Snowflake Analysis

Second-rate dividend payer with weak fundamentals.


Similar Companies

Share Price & News

How has Mutual Federal Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: MFDB's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-3.2%

MFDB

-2.5%

US Mortgage

-0.7%

US Market


1 Year Return

-40.8%

MFDB

-18.0%

US Mortgage

19.9%

US Market

Return vs Industry: MFDB underperformed the US Mortgage industry which returned -18% over the past year.

Return vs Market: MFDB underperformed the US Market which returned 19.9% over the past year.


Shareholder returns

MFDBIndustryMarket
7 Day-3.2%-2.5%-0.7%
30 Day-13.2%3.6%5.8%
90 Day-26.3%13.1%8.3%
1 Year-40.8%-40.8%-15.6%-18.0%22.7%19.9%
3 Year-58.6%-58.6%-3.5%-11.5%43.5%33.9%
5 Year-40.0%-40.0%18.8%2.8%86.9%65.8%

Price Volatility Vs. Market

How volatile is Mutual Federal Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Mutual Federal Bancorp undervalued compared to its fair value and its price relative to the market?


Share Price vs. Fair Value

Below Fair Value: MFDB ($2.1) is trading above our estimate of fair value ($1.49)

Significantly Below Fair Value: MFDB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: Insufficient data to calculate MFDB's PE Ratio to determine if it is good value compared to the US Mortgage industry average.

PE vs Market: Insufficient data to calculate MFDB's PE Ratio to determine if it is good value compared to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate MFDB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: Insufficient data to calculate MFDB's PB Ratio to determine if it is good value.


Next Steps

Future Growth

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

-12.6%

Forecasted Banks industry annual growth in earnings


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 SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of MFDB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Mutual Federal Bancorp's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

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

17.3%

Historical Banks annual earnings growth


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.


Next Steps

Financial 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.


Next Steps

  • Take a look at our analysis of MFDB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • 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.
  • 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.
  • Explore more healthy companies in the Banks industry.

Dividend

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

11.43%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: MFDB's dividend (11.43%) is higher than the bottom 25% of dividend payers in the US market (1.62%).

High Dividend: MFDB's dividend (11.43%) is in the top 25% of dividend payers in the US market (4.66%)


Stability and Growth of Payments

Stable Dividend: MFDB's dividends per share have been stable in the past 10 years.

Growing Dividend: MFDB's dividend payments have not increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

12.6yrs

Average management tenure


CEO

Stephen Oksas (62 yo)

14.75yrs

Tenure

US$286,746

Compensation

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 ...


Leadership Team

NamePositionTenureCompensationOwnership
Stephen Oksas
Chairman14.75yrsUS$286.75kno data
John Garlanger
Director12.25yrsUS$219.91kno data
Julie Oksas
Executive VP & Secretary14.75yrsUS$35.51kno data
Gary LaBedz
Executive VPno datano datano data
Supriyo Roy
Co-Head of Great American Bank and Director of Mutual Federal Bank10.42yrsno datano data
Harry Katz
Co-Head of Great American Bank and Director of Mutual Federal Bank10.42yrsno datano data

12.6yrs

Average Tenure

62yo

Average Age

Experienced Management: MFDB's management team is seasoned and experienced (12.6 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Stephen Oksas
Chairman14.75yrsUS$286.75kno data
John Garlanger
Director12.25yrsUS$219.91kno data
Julie Oksas
Executive VP & Secretary14.75yrsUS$35.51kno data
Supriyo Roy
Co-Head of Great American Bank and Director of Mutual Federal Bank10.42yrsno datano data
Harry Katz
Co-Head of Great American Bank and Director of Mutual Federal Bank10.42yrsno datano data
Leonard Kosacz
Independent Director14.75yrsUS$36.82kno data
Stanley Balzekas
Independent Director14.75yrsUS$33.69kno data
Robert Kazan
Independent Director14.75yrsUS$32.69kno data
Amy Keane
Independent Director13.58yrsUS$21.72kno data

14.8yrs

Average Tenure

65yo

Average Age

Experienced Board: MFDB's board of directors are seasoned and experienced ( 14.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Mutual Federal Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Mutual Federal Bancorp, Inc.
  • Ticker: MFDB
  • Exchange: OTCPK
  • Founded: 1905
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$6.913m
  • Shares outstanding: 3.29m
  • Website: https://www.mutualfederalbank.com

Location

  • Mutual Federal Bancorp, Inc.
  • 2212 West Cermak Road
  • Chicago
  • Illinois
  • 60608
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MFDBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 2006

Biography

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 ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/19 06:18
End of Day Share Price2020/10/16 00:00
Earnings2009/09/30
Annual Earnings2008/12/31


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.