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M&F Bancorp, Inc. MFBP OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

M&F Bancorp, Inc. (MFBP) is a Banks - Regional company in the Financial Services sector, currently trading at $23.85. It has a SharesGrow Score of 58/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $30M, +13.5%/yr average growth. Net income is $4M, growing at +0.1%/yr. Net profit margin is 14.5% (healthy). Gross margin is 77.8% (-22.2 pp trend).

Balance sheet: total debt is $952,000 against $134M equity (Debt-to-Equity (D/E) ratio 0.01, conservative). Current ratio is 0.05 (tight liquidity). Debt-to-assets is 0.2%. Total assets: $508M.

SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 63/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 55/100 (Partial).

MFBP SharesGrow Score Overview

60/100

SharesGrow Score

Above average fundamentals

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VALUE 75/100

Valuation — P/E, PEG, Forward PEG

GROWTH 63/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 55/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — MFBP

MFBP trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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MFBP: +13.5%/yr revenue is, +0.1%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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MFBP: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet MFBP: Debt-to-Equity (D/E) ratio 0.01 (conservative), Current ratio is 0.05 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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MFBP: Gross margin is 77.8% (-22.2 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

MFBP: Net profit margin is 14.5%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range17.95-24.49

Volume100

Avg Volume (30D)710

Market Cap$47.22M

Beta (1Y)-0.66

Dividend Yield$0.2400

Share Statistics

EPS (TTM)1.20

Shares Outstanding$1.95M

IPO Date1999-09-22

Employees70

CEOJames H. Sills

Financial Highlights & Ratios

Revenue (TTM)$29.68M

Gross Profit$23.08M

EBITDA$5.46M

Net Income$4.3M

Operating Income$5.46M

Total Cash$2.31M

Total Debt$952K

Net Debt$-1.36M

Total Assets$508.31M

Price / Earnings (P/E)19.9

Price / Sales (P/S)1.59

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS5525071057

Price Chart

MFBP

M&F Bancorp, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

17.95 52WK RANGE 24.49

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