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M&F Bancorp Inc (MFBP)

Featured in Overvalued Stocks

M&F Bancorp Inc. is a common stock listing of a financial holding company for Mechanics and Farmers Bank, which serves consumer and commercial banking needs in North Carolina. Through its banking business, the company provides deposit products such as personal and business checking and savings accounts, health savings accounts, IRAs, money market accounts, and certificates of deposit. Its lending and credit offerings include home equity lines, personal unsecured loans and lines of credit, secured personal loans and lines of credit, auto loans, business loans, SBA loans, and credit cards. The company also provides payments and cash management solutions, online and mobile banking, and a range of wealth and financial planning services, including brokerage, insurance planning, retirement income planning, and college savings planning. M&F Bancorp was founded in 1907 and is headquartered in Durham, North Carolina.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-MFBP
$19.32
-34.1% Downside
Overvalued
—
—
—
Fair
—
—
0.24
0.8%
July 31, 2026
25.2x
1.6x
2.5x
56.656 M
—
0.6%
—
-0.4
—
—
Valuation • Fair Value

M&F Bancorp Inc (OTC-MFBP) Fair Value by Valuation Model

Compare the primary fair value estimate for M&F Bancorp Inc (OTC-MFBP) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$19.32

Estimated downside of 34.1% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$12.91

Classic Ben Graham valuation formula reference.

DDM Fair Value

$12.53

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$21.58

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for M&F Bancorp Inc (OTC-MFBP) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for M&F Bancorp Inc (OTC-MFBP)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

23.033 M

Current operating scale indicator.

Revenue Forecast

23.117 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review M&F Bancorp Inc (OTC-MFBP) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for M&F Bancorp Inc (OTC-MFBP)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

3

Weak quality score that deserves closer review.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-0.4

Lower score that deserves closer risk review.

FCF / Net Income

Not available

Data is currently unavailable.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for M&F Bancorp Inc (OTC-MFBP). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for M&F Bancorp Inc (OTC-MFBP)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 31, 2026

Days to Earnings

10

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.8%

Income yield reference.

Upcoming Dividend

0.24

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for M&F Bancorp Inc (OTC-MFBP), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

M&F Bancorp Inc (OTC-MFBP) Stock Forecast & Technical Outlook

Review M&F Bancorp Inc (OTC-MFBP) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for M&F Bancorp Inc (OTC-MFBP) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Neutral

The 1-hour technical read for M&F Bancorp Inc (OTC-MFBP) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Buy

The daily technical read for M&F Bancorp Inc (OTC-MFBP) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for M&F Bancorp Inc (OTC-MFBP) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for M&F Bancorp Inc (OTC-MFBP) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for M&F Bancorp Inc (OTC-MFBP)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for M&F Bancorp Inc (OTC-MFBP) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

M&F Bancorp Inc (OTC-MFBP) Stock FAQ

Quick answers about M&F Bancorp Inc (OTC-MFBP) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$19.32
Estimated downside 34.1%
Valuation Rating
Overvalued
Estimated downside of 34.1%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Fair
Current financial-health read

The current fair value estimate for M&F Bancorp Inc (OTC-MFBP) is $19.32. This implies an estimated downside of 34.1% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 34.1% versus the current market price.

An analyst price target for M&F Bancorp Inc (OTC-MFBP) is not currently available in the latest data file.

The current financial health read for M&F Bancorp Inc (OTC-MFBP) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for M&F Bancorp Inc (OTC-MFBP) is July 31, 2026.

Based on the current data, dividend yield is 0.8%, upcoming dividend amount is 0.24.

The current P/E ratio listed for M&F Bancorp Inc (OTC-MFBP) is 25.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for M&F Bancorp Inc is 56.656 M.

The ticker symbol for M&F Bancorp Inc is OTC-MFBP, and the stock is listed on OTC Markets.

M&F Bancorp Inc (OTC-MFBP) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for M&F Bancorp Inc is 0.6%, which helps investors evaluate the company’s financing structure and leverage profile.

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