OTC · Banks - Regional

M&F Bancorp, Inc. (MFBP) Stock

$47.80 -0.23% OTC: MFBP Financial Services

M&F Bancorp, Inc. serves as the parent company for Mechanics and Farmers Bank, providing a comprehensive array of banking products and services to both individual consumers and businesses across North Carolina.

Valuation

MetricValue
Price$47.80
Market Cap$92.59M
P/E Ratio41.17
P/B Ratio0.69
P/S Ratio3.17
EPS (TTM)$1.16
52-Week High$48.00
52-Week Low$18.40
Dividend Yield0.50%

Financials & Margins

MetricValue
ROE3.17%
ROA0.81%
ROCE3.80%
Gross Margin77.96%
Operating Margin18.29%
Net Margin14.42%
Debt/Equity0.01
Current Ratio0.01

Annual Financials (USD)

Metric20212022202320242025
Revenue$15.0M$19.0M$26.0M$29.0M$30.0M
Operating Profit$4.0M$6.0M$7.0M$6.0M$5.0M
Net Profit$3.0M$5.0M$6.0M$5.0M$4.0M
EPS$1.36$2.18$2.72$1.81$1.19
Op Margin24.2%29.5%28.5%20.6%18.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$365.0M$451.0M$453.0M$525.0M$508.0M
Total Liabilities$322.0M$333.0M$328.0M$397.0M$374.0M
Cash$44.0M$93.0M$49.0M$39.0M$2.0M
Borrowings$1.0M$2.0M$1.0M$1.0M$1.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$5.0M$6.0M$8.0M$3.0M$3.0M
Investing Cash Flow$-61.0M$-49.0M$-45.0M$-81.0M$0
Financing Cash Flow$36.0M$10.0M$-6.0M$70.0M$-23.0M
Net Cash Flow$-3.0M$48.0M$-44.0M$-9.0M$0
Free Cash Flow$4.0M$6.0M$7.0M$2.0M$3.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-1.30
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y154.34%
Return 3Y145.48%
Return 5Y553.59%

Ownership

Insiders Held0.00%
Institutions Held0.00%
Institutions Float Held0.00%
Institutional HolderSharesReport Date
MassMutual Private Wealth & Trust, FSB22,9642024-12-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ALBYCommunity Capital Bancshares, Inc. $32.33 +1.06% 8.40 $41.14M 6.34%
ANDCAndover Bancorp, Inc. $21.00 +0.00% 9.68 $41.84M 3.62%
CIZNCitizens Holding Company $10.50 +2.04% 7.24 $59.05M 0.76%
EXCHExchange Bankshares, Inc. $69.00 +0.00% 0.00 $40.62M 2.55%
FMFPFirst Community Financial Corporation $14.00 +0.00% 20.65 $39.61M 1.71%

About M&F Bancorp, Inc.

M&F Bancorp, Inc. serves as the parent company for Mechanics and Farmers Bank, providing a comprehensive array of banking products and services to both individual consumers and businesses across North Carolina. Its offerings include various deposit solutions such as checking, savings, and money market accounts, along with certificates of deposit and demand deposit services. The company also extends credit for commercial and residential real estate, construction projects, and personal loans, supplemented by ATM services. Established in 1907, M&F Bancorp operates seven branch locations throughout North Carolina, specifically in Durham, Raleigh, Charlotte, Greensboro, and Winston-Salem, with its main office situated in Durham.

M&F Bancorp, Inc. is headquartered in US.

M&F Bancorp, Inc. (MFBP) stock trades at $47.80 with a market capitalization of $92.59M. The stock is valued at a price-to-earnings (P/E) ratio of 41.17, price-to-book of 0.69, price-to-sales of 3.17. Over the past 52 weeks the stock has ranged between $18.40 and $48.00, and currently trades at its 52-week high. It pays a dividend yielding 0.50%.

On profitability, M&F Bancorp, Inc. generates a return on equity (ROE) of 3.17%, return on capital employed of 3.80%, an operating margin of 18.29%, a net profit margin of 14.42%.

Official website: www.mfbonline.com

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