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M&f Bancorp(OTC) MFBP

Market Cap$97.81MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1990)+1,924%
5 Year+598%
1 Year+162%
1 Month+65%
$49.40
+0.82%
+0.40Today
M&f Bancorp last closing stock price
MetricPriceDate
Last closeUSD 49.402026-08-14
M&f Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.92%USD 48.002026-08-07
1 month+64.78%USD 29.982026-07-13
3 month+92.29%USD 25.692026-05-15
Year to date+164.83%USD 18.652025-12-31
1 year+162.16%USD 18.842025-08-14
3 year+205.95%USD 16.152023-08-15
5 year+597.97%USD 7.082021-08-13
Since inception+1,923.98%USD 2.441990-12-28

M&f Bancorp Financials at a Glance

Market Cap

$97.81MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$28.65M

Net Income (TTM)

$4.02M

EPS (TTM)

$1.05

P/E Ratio

46.98

Dividend

$0.24

Beta (Volatility)

0.14 (Low)

Price

$49.40

Volume

1,707

Open

$49.40

Previous Close

$49.40

Daily Range

$49.40 - $49.40

52-Week Range

$18.40 - $49.40

Estimated Earnings Date

Apr 30, 2026

MFBP News

No articles available.

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About M&f Bancorp

M&F Bancorp, Inc. serves as the parent company for Mechanics and Farmers Bank, providing a comprehensive array of banking products and services to individual consumers and businesses across North Carolina. Established in 1907, M&F Bancorp operates seven branch locations throughout the state, focusing on community banking and financial solutions.

Products and Services
  • Various deposit solutions including checking and savings accounts
  • Credit offerings for commercial and residential real estate
  • ATM services and personal loans
Growth Outlook
  • Revenue of $6.9 million in Q1 2026, showing consistent performance
  • Net income of $958,000 in Q1 2026, reflecting strong profitability
  • Long-term investments totaling $490.9 million, indicating robust asset management
Financial Highlights
  • Trailing twelve months (TTM) net profit margin of 14.42%
  • TTM return on equity at 3.17%, showcasing effective capital utilization
  • Quarterly revenue growth from $6.4 million to $6.9 million in Q1 2026
M&F Bancorp, Inc. has established itself as a significant player in the regional banking sector, focusing on community-oriented financial services. The company’s diverse product offerings cater to both individual and business clients, enhancing its market presence in North Carolina. Recent financial performance indicates a positive trajectory, with steady revenue growth and a solid net income, reflecting effective management strategies. The substantial long-term investments further underscore the company's commitment to sustainable growth and stability. Overall, M&F Bancorp presents a compelling opportunity for those interested in regional banking dynamics.
AI Generated • Jul 28, 2026

Industry

Banks

Sector

Financials

CEO

James H. Sills, III

Website

www.mfbonline.com

Headquarters

Durham, NC 27707, US

MFBP Financials

Key Financial Metrics (TTM)

Gross Margin

77.11%

Operating Margin

17.80%

Net Income Margin

14.04%

Return on Equity

3.01%

Return on Capital

4.05%

Return on Assets

0.80%

Earnings Yield

2.13%

Dividend Yield

0.49%

Payout Ratio

0.00%

Stock Overview

Market Cap

$97.81MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.98M

Volume

1.71K

Avg. Volume

2.20K

Financials (TTM)

Gross Profit

$22.09M

Operating Income

$5.10M

EBITDA

$5.10M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$2.65M

Total Debt

$843.00K

M&f Bancorp Performance Analysis

M&f Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 20,484,00029.7%
20232023-12-31USD 25,386,00023.9%
20242024-12-31USD 27,671,0009.0%
20252025-12-31USD 29,366,0006.1%
M&f Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-1.6%
Q42025-12-310.9%
Q12026-03-31-7.2%
Q22026-06-300.3%
M&f Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.1860.1%
20232023-12-31USD 2.7224.7%
20242024-12-31USD 1.82-33.3%
20252025-12-31USD 1.19-34.5%
M&f Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30114.8%
Q42025-12-31-89.7%
Q12026-03-31300.0%
Q22026-06-30-25.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$6.92M

-7.6%

Gross Profit

$5.42M

-11.3%

Gross Margin

78.32%

N/A

Market Cap

$97.81MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.40M

N/A

Employees

70

N/A

Net Income

$836.00K

-18.8%

EBITDA

$1.05M

-18.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$2.65M

-92.1%

Total Debt

$843.00K

-20.5%

Accounts Receivable

$2.38M

-0.4%

Inventory

$0.00

N/A

Long Term Debt

$843.00K

-20.5%

Short Term Debt

$0.00

N/A

Return on Assets

0.80%

N/A

Return on Invested Capital

1.01%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About MFBP

What is the current price of M&f Bancorp?

M&f Bancorp is trading at $49.40 per share.

What is the 52-week range for M&f Bancorp?

Over the past 52 weeks, M&f Bancorp has traded between $18.40 and $49.40.

How much debt does M&f Bancorp have?

As of the most recent reporting period, M&f Bancorp reported total debt of $843.00K.

How much cash does M&f Bancorp have on hand?

M&f Bancorp does not have cash on hand data available.

What is M&f Bancorp’s dividend yield?

M&f Bancorp currently has a dividend yield of 0.49%.

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