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  2. •

    Financial Services

  3. •

    Banks - Regional
M&F Bancorp, Inc.

M&F Bancorp, Inc.

MFBP
M&F Bancorp, Inc.US flagOther OTC
27.00
USD
-0.25
- -
52.30MMarket Cap
2010 Y
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.53
7.05
6.33
6.12
6.42
5.67
5.33
5.76
7.38
9.64
12.08
12
- -
12.19
Basic EPS, GAAP
0.17
0.18
0.05
0.06
0.4
0.05
0.5
0.51
1.36
2.19
2.75
1.83
- -
1.16
Free Cash Flow per Basic Share
1.33
0.13
1.09
0.81
0.64
0.96
0.51
5.18
2.24
2.82
3.64
0.81
- -
- -
Dividend per Share
0.37
0.24
0.24
0.24
0.18
0.12
0.06
- -
0.11
0.21
0.28
0.78
- -
- -
Book Value per Share
8.5
8.56
8.48
8.42
8.76
8.81
11.82
12.18
14.04
16.1
18.63
20.36
- -
21.57
Tangible Book Value per Share
12.15
12.15
12.09
12.02
12.23
12.06
10.92
11.46
12.96
10.48
14.08
15.52
- -
18.68
Basic Weighted Avg Shares
2
2
2
2
2
2
2
2
2
2
2
2
- -
2
Sales/Revenue/Turnover
13
14
13
12
13
12
11
12
15
19
24
24
24
24
Operating Margin (%)
6.81
- -
3.55
4.13
12.25
3.67
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
1
1
- -
- -
1
- -
1
1
3
5
6
5
4
4
Effective Tax Rate (%)
9.86
18.88
25.38
29.38
34.52
17.97
23.21
21.88
22.89
21.31
21.9
20.1
21.12
21.16
Profit Margin (%)
6.14
4.23
2.65
2.92
8.02
3.01
9.28
8.9
19.09
23.64
23.8
20.05
17.99
17.83
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
3
3
3
1
1
1
2
1
1
2
1
1
1
1
Total Equity
36
36
36
36
37
36
22
23
43
118
125
128
134
134
Return on Invested Capital (%)
1.94
- -
0.81
0.91
2.82
0.93
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
1.97
2.14
0.6
0.73
4.64
0.62
4.8
4.29
10.22
14.54
15.86
9.4
5.73
5.47

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
97
97
97
Shares Outstanding
2
2
2
Market Capitalization
36
37
46

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
41
17
34
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
23.78%
54.18%
4.51%
Free Cash Flow
88.18%
-1.9%
71.26%
Net Income, GAAP
54.97%
45.47%
-9.79%
Sales/Revenue/Turnover
7.27%
15.96%
0.53%
Total Cash Common Dividend
- -
34.88%
17.88%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6
6
6
6
24
2025
6
6
6
6
24
2026
6
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.41
0.53
0.47
0.42
1.83
2025
0.28
0.28
0.58
0.06
- -
2026
0.24
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.78
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
James H. Sills
Full Time Employees
70
Sector
Financial Services
Industry
Banks - Regional
Address
2634 Durham Chapel Hill Boulevard Durham NC United States of America 27707
IPO Date
Sep 22, 1999
CIK
0001094738
Website
mfbonline.com
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Business
M&F Bancorp, Inc. functions as the parent entity for Mechanics and Farmers Bank, a financial institution delivering a broad spectrum of banking solutions to individuals and businesses across North Carolina. Established in 1907, it stands as one of the oldest African-American owned banks in the nation and holds the distinction of being a Community Development Financial Institution (CDFI), emphasizing its dedication to serving diverse and underserved communities. The bank provides diverse deposit accounts, including checking, savings, money market, and certificates of deposit, alongside various lending options such as commercial, residential, construction, consumer, and small business administration loans. Further enhancing its offerings are wealth management services, advanced online and mobile banking platforms, and cash management solutions. Operating through multiple branch offices in key North Carolina cities like Durham, Raleigh, Charlotte, Greensboro, and Winston-Salem, the company recently surpassed $500 million in assets. M&F Bancorp, Inc. also entered into an agreement with the U.S. Treasury to repurchase preferred shares, significantly boosting its capital, and implemented a cloud banking platform to modernize loan processing and enhance customer experience. The firm maintains its headquarters in Durham, North Carolina.

Company News

APIChat

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