M&F Bancorp, Inc.

OTC
MFBP
Stock
Yield per half year: -2.82%
Dividend yield: 1.11%
Sector: Financials

Company Analysis M&F Bancorp, Inc.

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1. Summary

Advantages

  • Price (18.25 $) is less than fair price (25.46 $)
  • Current debt level 0.252% is below 100% and has decreased over 5 years from 0.6396%.

Disadvantages

  • Dividends (1.11%) are below the sector average (6.7%).
  • The stock's return over the last year (-5.68%) is lower than the sector average (0%).
  • The company's current efficiency (ROE=3.77%) is lower than the sector average (ROE=131.98%)

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2. Share price and performance

2.1. Share price

2.3. Market efficiency

M&F Bancorp, Inc. Financials Index
7 days 0.6% -9% -0.6%
90 days 1.4% -8.2% 5.7%
1 year -5.7% 0% 9%

MFBP vs Sector: M&F Bancorp, Inc. has significantly underperformed the "Financials" sector by -5.68% over the past year.

MFBP vs Market: M&F Bancorp, Inc. has significantly underperformed the market by -14.65% over the past year.

Stable price: MFBP is not significantly more volatile than the rest of the market on "OTC" over the last 3 months, with typical variations of +/- 5% per week.

Long period: MFBP with weekly volatility of -0.1093% over the past year.

3. Summary of the report

3.1. General

P/E: 8.17
P/S: 1.61

3.2. Revenue

EPS 2.38
ROE 3.77%
ROA 0.9752%
ROIC 0%
Ebitda margin 17.65%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Below fair price: The current price (18.25 $) is lower than the fair price (25.46 $).

Price significantly below the fair price: The current price (18.25 $) is 39.5% lower than the fair price.

4.2. P/E

P/E vs Sector: The company's P/E (8.17) is lower than that of the sector as a whole (19.24).

P/E vs Market: The company's P/E (8.17) is lower than that of the market as a whole (59.87).

4.2.1 P/E Similar companies

4.3. P/BV

P/BV vs Sector: The company's P/BV (0.3044) is lower than that of the sector as a whole (1.73).

P/BV vs Market: The company's P/BV (0.3044) is lower than that of the market as a whole (3.17).

4.3.1 P/BV Similar companies

4.4. P/S

P/S vs Sector: The company's P/S indicator (1.61) is lower than that of the sector as a whole (3.2).

P/S vs Market: The company's P/S indicator (1.61) is lower than that of the market as a whole (3.43).

4.4.1 P/S Similar companies

4.5. EV/Ebitda

EV/Ebitda vs Sector: The company's EV/Ebitda (-0.0822) is lower than that of the sector as a whole (120.44).

EV/Ebitda vs Market: The company's EV/Ebitda (-0.0822) is lower than that of the market as a whole (40.12).

5. Profitability

5.1. Profitability and revenue

5.2. Earnings per share - EPS

5.3. Past profitability Net Income

Yield Trend: Rising and has grown by 66.73% over the last 5 years.

Earnings Slowdown: The last year's return (0%) is below the 5-year average return (66.73%).

Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-6.77%).

5.4. ROE

ROE vs Sector: The company's ROE (3.77%) is lower than that of the sector as a whole (131.98%).

ROE vs Market: The company's ROE (3.77%) is lower than that of the market as a whole (41.73%).

5.5. ROA

ROA vs Sector: The company's ROA (0.9752%) is lower than that of the sector as a whole (118.36%).

ROA vs Market: The company's ROA (0.9752%) is lower than that of the market as a whole (29.55%).

5.6. ROIC

ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (8.29%).

ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.99%).

6. Finance

6.1. Assets and debt

Debt level: (0.252%) is quite low in relation to assets.

Debt reduction: over 5 years, the debt has decreased from 0.6396% to 0.252%.

Debt Covering: The debt is covered by 27.74% from net profit.

6.2. Profit growth and share price

7. Dividends

7.1. Dividend yield vs Market

Low yield: The dividend yield of the company 1.11% is below the average for the sector '6.7%.

7.2. Stability and increase in payments

Dividend stability: The company's dividend yield 1.11% has been steadily paid over the past 7 years, DSI=0.93.

Weak dividend growth: The company's dividend yield 1.11% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.

7.3. Payout percentage

Dividend Coverage: Current payments from income (32.22%) are at a comfortable level.

8. Insider trades

8.1. Insider trading

Insider Buying Exceeds insider sales by 100% over the last 3 months.

8.2. Latest transactions

No insider transactions have been recorded yet

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9. Stocks forum M&F Bancorp, Inc.

9.3. Comments