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M&F Bancorp, Inc. MFBP

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Price alert · MFBP

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51.35 USD -0.50 -0.96%

At close · Oct 30

51.35 Day range 51.85
18.40 52-week range 52.33
YTD
+173.87%
1 year
+170.12%
Open
51.85
Prev close
51.85
Mkt cap
99.46M
Vol
2.58K
Avg vol
3.74K
EPS
1.06
P/E
48.44
More statistics
Low
51.35
High
51.85
Earnings
Feb 7, 2025

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Financial health

Altman Z-Score

0.36 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 5
  • P/E 1
  • P/B 5

Valuation

P/E 15.6×
FY 2016: -2.2×FY 2017: -3.4×FY 2018: 9.1×FY 2019: 5.7×FY 2020: 7.5×FY 2021: 5.3×FY 2022: 9.7×FY 2023: 5.4×FY 2024: 10.7×FY 2025: 15.6×
FY 2016 5y median 9.7× FY 2025
P/S 1.2×
FY 2016: 0.8×FY 2017: 0.8×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 2.2×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/B 0.3×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
P/FCF 13.3×
FY 2016: -3.7×FY 2017: -17.5×FY 2018: 7.7×FY 2019: 5.6×FY 2020: 0.7×FY 2021: 3.2×FY 2022: 7.5×FY 2023: 4.0×FY 2024: 24.1×FY 2025: 13.3×
FY 2016 5y median 7.5× FY 2025
EV/EBITDA 6.5×
FY 2016: 1.4×FY 2017: 22.4×FY 2018: -6.2×FY 2019: -9.2×FY 2020: -22.0×FY 2021: -7.2×FY 2022: -8.1×FY 2023: -2.4×FY 2024: 0.1×FY 2025: 6.5×
FY 2016 5y median -2.4× FY 2025
EV/Sales 1.2×
FY 2016: -0.7×FY 2017: -1.1×FY 2018: -0.5×FY 2019: -1.2×FY 2020: -3.0×FY 2021: -2.0×FY 2022: -2.6×FY 2023: -0.7×FY 2024: 0.0×FY 2025: 1.2×
FY 2016 5y median -0.7× FY 2025
FCF Yield 7.5%
FY 2016: -27.3%FY 2017: -5.7%FY 2018: 13.0%FY 2019: 17.7%FY 2020: 133.9%FY 2021: 31.3%FY 2022: 13.3%FY 2023: 24.7%FY 2024: 4.2%FY 2025: 7.5%
FY 2016 5y median 13.3% FY 2025

Profitability

Gross Margin 77.8%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 86.7%FY 2020: 92.5%FY 2021: 97.8%FY 2022: 98.2%FY 2023: 93.5%FY 2024: 82.2%FY 2025: 77.8%
FY 2016 5y median 93.5% FY 2025
Operating Margin 18.4%
FY 2016: -42.1%FY 2017: -5.1%FY 2018: 6.4%FY 2019: 10.5%FY 2020: 10.5%FY 2021: 24.2%FY 2022: 29.5%FY 2023: 28.5%FY 2024: 20.6%FY 2025: 18.4%
FY 2016 5y median 24.2% FY 2025
Net Margin 14.5%
FY 2016: -34.2%FY 2017: -23.4%FY 2018: 4.0%FY 2019: 8.0%FY 2020: 8.2%FY 2021: 18.7%FY 2022: 23.2%FY 2023: 22.3%FY 2024: 16.5%FY 2025: 14.5%
FY 2016 5y median 18.7% FY 2025
ROE 3.2%
FY 2016: -17.6%FY 2017: -12.8%FY 2018: 2.3%FY 2019: 4.5%FY 2020: 4.5%FY 2021: 6.5%FY 2022: 3.8%FY 2023: 4.5%FY 2024: 3.7%FY 2025: 3.2%
FY 2016 5y median 3.8% FY 2025
ROIC 3.0%
FY 2016: -1.5%FY 2017: -0.3%FY 2018: 0.3%FY 2019: 3.7%FY 2020: 3.7%FY 2021: 5.8%FY 2022: 3.7%FY 2023: 4.3%FY 2024: 3.6%FY 2025: 3.0%
FY 2016 5y median 3.7% FY 2025
ROA 0.8%
FY 2016: -1.5%FY 2017: -1.0%FY 2018: 0.2%FY 2019: 0.4%FY 2020: 0.3%FY 2021: 0.8%FY 2022: 1.0%FY 2023: 1.3%FY 2024: 0.9%FY 2025: 0.8%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 2.5%
FY 2016: -6.0%FY 2017: -3.6%FY 2018: 5.5%FY 2019: 6.8%FY 2020: 2.1%FY 2021: 16.9%FY 2022: 30.5%FY 2023: 31.6%FY 2024: 13.2%FY 2025: 2.5%
FY 2016 FY 2025
Operating Income -8.6%
FY 2016: -1243.7%FY 2017: 88.2%FY 2018: 231.6%FY 2019: 74.7%FY 2020: 2.6%FY 2021: 168.5%FY 2022: 58.9%FY 2023: 27.2%FY 2024: -18.1%FY 2025: -8.6%
FY 2016 FY 2025
EPS (diluted) -34.3%
FY 2016: -3980.0%FY 2017: 34.0%FY 2018: 118.0%FY 2019: 117.4%FY 2020: 4.0%FY 2021: 161.5%FY 2022: 60.3%FY 2023: 24.8%FY 2024: -33.5%FY 2025: -34.3%
FY 2016 FY 2025
Free Cash Flow 71.3%
FY 2016: -220.3%FY 2017: 78.8%FY 2018: 210.8%FY 2019: 85.5%FY 2020: 934.6%FY 2021: -58.3%FY 2022: 26.4%FY 2023: 29.2%FY 2024: -77.8%FY 2025: 71.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.5×FY 2017: 0.6×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.5×FY 2017: 0.6×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -0.2×
FY 2016: 2.9×FY 2017: 37.9×FY 2018: -11.0×FY 2019: -12.7×FY 2020: -26.5×FY 2021: -10.7×FY 2022: -14.9×FY 2023: -6.3×FY 2024: -6.1×FY 2025: -0.2×
FY 2016 5y median -6.3× FY 2025
Interest Coverage 1.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.8×FY 2020: 1.4×FY 2021: 10.9×FY 2022: 16.0×FY 2023: 4.4×FY 2024: 1.2×FY 2025: 1.0×
FY 2016 5y median 4.4× FY 2025

Dividends

Dividend Yield 6.6%
FY 2016: 2.6%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 2.1%FY 2020: 0.0%FY 2021: 1.5%FY 2022: 1.0%FY 2023: 1.9%FY 2024: 4.0%FY 2025: 6.6%
FY 2016 5y median 1.9% FY 2025
Payout Ratio 56.4%
FY 2016: -5.8%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 12.0%FY 2020: 0.0%FY 2021: 7.5%FY 2022: 9.2%FY 2023: 9.8%FY 2024: 32.2%FY 2025: 56.4%
FY 2016 5y median 9.8% FY 2025

Annual · latest fiscal year ends 2025-12-31