M&F Bancorp, Inc.

MFBP

MFBPM&F Bancorp, Inc. US flag

Other OTC

27.00

USD

-0.25

- -

52.30MMarket Cap

Income Statement (USD)

API Chat

	2008 Y	2009 Y	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
Sales/Revenue/Turnover	13	14	13	14	13	12	13	12	11	12	15	19	24	24	24
+ Sales & Services Revenue	13	14	13	14	13	12	13	12	11	12	15	19	24	24	24
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	2	-1	-1	- -	- -	-1	-2	- -	-10	-10	-11	-13	-15	-17	-17
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	10	10	11	13	15	17	17
+ Selling, General & Admin	7	7	8	8	8	8	7	8	1	1	1	1	1	2	2
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-7	-7	-8	-8	-8	-8	-7	-8	9	9	10	11	14	16	15
Operating Income (Loss)	-2	1	1	- -	- -	1	2	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	- -	- -	- -	-1	- -	- -	- -	- -	-1	-1	-4	-6	-7	-6	-5
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	- -	- -	-1	- -	- -	- -	- -	-1	-1	-4	-6	-7	-6	-5
Pretax Income	-2	1	1	1	- -	1	2	- -	1	1	4	6	7	6	5
- Income Tax Expense (Benefit)	-1	- -	- -	- -	- -	- -	1	- -	- -	- -	1	1	2	1	1
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	-1	1	1	1	- -	- -	1	- -	1	1	3	5	6	5	4
- Net Extraordinary Losses (Gains)	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	1	1	1	1	- -	- -	1	- -	1	1	3	5	6	5	4
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	1	1	1	1	- -	- -	1	- -	1	1	3	5	6	5	4
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	2
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	1	- -	- -	- -	- -	- -	1	- -	1	1	3	4	5	4	2
EBIT	-2	1	1	- -	- -	1	2	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	-1	1	1	- -	1	1	2	1	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	-6.36	9.06	9.9	2.48	6.18	6.93	14.96	7.32	- -	- -	- -	- -	- -	- -	- -
EBITA	-2	1	1	- -	- -	1	2	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	-13.07	5.43	6.81	- -	3.55	4.13	12.25	3.67	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	7.2	4.73	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
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.2	0.25	0.37	0.24	0.24	0.24	0.18	0.12	0.06	- -	0.11	0.21	0.28	0.78	- -
Depreciation Expense	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	- -
Basic EPS, GAAP	0.46	0.18	0.17	0.18	0.05	0.06	0.4	0.05	0.5	0.51	1.36	2.19	2.75	1.83	- -
Basic EPS from Cont Ops	-0.42	0.32	0.4	0.3	0.17	0.18	0.52	0.17	0.5	0.51	1.41	2.28	2.87	2.41	- -
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	- -
Diluted EPS, GAAP	0.46	0.18	0.17	0.18	0.05	0.06	0.4	0.05	0.5	0.51	1.36	2.18	2.72	1.81	- -
Diluted EPS from Cont Ops	-0.42	0.32	0.4	0.3	0.17	0.18	0.52	0.17	0.5	0.51	1.41	2.27	2.84	2.38	- -

Balance Sheet (USD)

API Chat

	2008 Y	2009 Y	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
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	14	30	75	61	43	26	36	35	23	48	44	93	49	39	17
+ Cash & Cash Equivalents	14	30	75	61	43	26	36	35	23	48	44	93	49	39	17
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	1	1	1	1	1	1	1	1	1	1	1	1	2	2	2
+ Accounts Receivable, Net	1	1	1	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	2	2	2
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-15	-31	-75	-62	-43	-26	-36	-36	-23	-49	-45	-94	-51	-41	-19
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	5	5	5	5	5	4	4	4	4	4	3	4	4	5	5
+ Property, Plant & Equip	12	10	10	10	11	11	11	11	9	9	9	11	11	12	12
- Accumulated Depreciation	7	5	5	6	6	6	7	7	6	6	6	7	7	7	7
+ LT Investments & Receivables	34	18	22	38	61	66	70	80	44	57	72	92	117	181	192
+ LT Investments	34	18	22	38	61	66	70	80	44	57	72	92	117	181	192
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-39	-23	-26	-43	-66	-71	-74	-85	-47	-61	-76	-96	-121	-185	-197
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-39	-23	-26	-43	-66	-71	-74	-85	-47	-61	-76	-96	-121	-185	-197
Total Assets	272	274	315	304	296	301	298	298	265	309	365	451	453	525	508
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	2	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	2	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	-2	-4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	-2	-4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	25	8	3	3	3	1	1	1	2	1	1	2	1	1	1
+ LT Borrowings	25	8	3	3	3	1	1	1	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-25	-8	-3	-3	-3	-1	-1	-1	-2	-1	-1	-2	-1	-1	-1
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-25	-8	-3	-3	-3	-1	-1	-1	-2	-1	-1	-2	-1	-1	-1
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	247	238	279	268	260	265	262	262	243	286	322	333	328	397	374
+ Preferred Equity and Hybrid Capital	- -	12	12	12	12	12	12	12	- -	- -	17	97	97	97	97
+ Share Capital & APIC	9	9	9	9	9	9	9	9	9	9	9	9	9	9	8
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	9	9	9	9	9	9	8
+ Additional Paid in Capital	9	9	9	9	9	9	9	9	- -	- -	- -	- -	- -	- -	- -
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	17	17	17	17	17	17	18	18	15	16	19	23	28	31	33
+ Other Equity	-1	-1	-1	-1	-1	-1	-2	-2	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	24	37	36	36	36	36	37	36	22	23	43	118	125	128	134
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	24	37	36	36	36	36	37	36	22	23	43	118	125	128	134
Total Liabilities & Equity	272	274	315	304	296	301	298	298	265	309	365	451	453	525	508
Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	11	-23	-71	-56	-36	-25	-35	-34	-23	-48	-44	-93	-49	-39	-17
Net Debt to Equity	46.34	-61.68	-195.75	-155.19	-99.31	-68.45	-95.11	-93.83	-102.65	-205.28	-103.72	-78.92	-39.25	-30.71	-12.57
Tangible Common Equity Ratio	8.95	9.05	7.84	8.1	8.29	8.1	8.33	8.21	8.35	7.59	7.01	4.6	6.16	5.86	7.19
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2008 Y	2009 Y	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
+ Net Income	1	1	1	1	- -	- -	1	- -	1	1	3	5	6	5	4
+ Depreciation & Amortization	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	-1	1	1	1	1	1	- -	1	- -	10	- -	1	1	- -	- -
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	1	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	-1	2	1	- -	1	1	- -	- -	- -	10	- -	1	1	-1	- -
+ Chg in Non-Cash Work Cap	1	-1	1	-1	1	- -	- -	1	- -	- -	1	1	1	-2	-1
+ (Inc) Dec in Accts Receiv	1	-1	- -	-2	1	- -	- -	- -	1	- -	1	- -	- -	-1	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	1	- -	1	-1	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	1	2	3	- -	3	2	2	2	2	11	5	6	8	3	3
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	-1	-1	- -	- -	-1	-1	-1	-1
+ Acq of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	-1	-1	- -	- -	-1	-1	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -	-1
+ Net Change in LT Investment	15	16	-3	-16	-24	-7	-4	-11	9	-13	-17	-32	-22	-64	-5
+ Dec in LT Investment	19	19	6	12	25	20	26	57	13	32	15	8	8	52	29
+ Inc in LT Investment	-4	-3	-9	-28	-49	-27	-30	-68	-4	-45	-32	-40	-30	-116	-34
+ Net Cash From Acq & Div	13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-20	-3	8	14	11	-17	12	6	-8	-14	-43	-16	-22	-15	6
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	8	13	4	-2	-13	-24	7	-6	- -	-28	-61	-48	-45	-80	- -
+ Dividends Paid	- -	-1	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-2	-2
+ Net Cash From Debt	2	-17	-7	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash From Debt	34	42	- -	- -	1	- -	- -	- -	- -	- -	- -	5	- -	- -	- -
+ Repayments of Debt	-31	-59	-7	-1	-1	- -	- -	- -	- -	-1	-1	-5	- -	- -	- -
+ Other Financing Activities	-15	20	45	-11	-8	9	-4	-1	5	43	54	90	-6	70	-22
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-13	2	37	-12	-9	9	-4	-1	5	42	53	90	-7	68	-26
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-4	17	44	-13	-19	-14	5	-5	6	26	-3	48	-44	-9	-22
EBITDA	-1	1	1	- -	1	1	2	1	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	-6.36	9.06	9.9	2.48	6.18	6.93	14.96	7.32	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	1	1	3	- -	2	2	1	2	1	11	4	6	7	2	3
Net Cash Paid for Acquisitions	-13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	- -	1	3	- -	2	2	1	2	1	11	4	6	7	2	3
Free Cash Flow to Equity	3	-5	-5	-1	2	1	1	2	-11	10	22	85	7	- -	1
Free Cash Flow per Basic Share	0.43	0.6	1.33	0.13	1.09	0.81	0.64	0.96	0.51	5.18	2.24	2.82	3.64	0.81	- -
Price/Free Cash Flow	6.11	1.38	1.56	7.71	1.56	3.37	4.86	2.01	2.56	0.67	2.88	5.87	3.51	10.39	- -
Cash Flow to Net Income	1.14	2.43	3.51	0.65	7.55	4.77	1.51	7.2	1.59	10.5	1.65	1.4	1.4	0.56	0.81
Capital Expenditures	- -	- -	- -	- -	- -	- -	- -	-1	-1	- -	- -	-1	-1	-1	-1