M&F Bancorp, Inc. Financial Ratios — MFBP Stock

Profitability (USD)

	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
Return on Common Equity (%)	5.36	2.1	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
Return on Assets (%)	0.36	0.24	0.28	0.2	0.11	0.12	0.35	0.12	0.36	0.37	0.83	1.11	1.26	0.98	0.83
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	1.41	1.94	- -	0.81	0.91	2.82	0.93	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-6.36	9.06	9.9	2.48	6.18	6.93	14.96	7.32	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-13.07	5.43	6.81	- -	3.55	4.13	12.25	3.67	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	166.99	-21.47	-85.19	-31.19	-13.41	176.71	76.61	62.21	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-13.07	5.43	6.81	5.21	3.55	4.13	12.25	3.67	12.09	11.39	24.76	30.04	30.47	25.1	22.81
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
Net Income to Common Margin (%)	7.2	2.57	2.56	2.58	0.81	1.01	6.21	0.96	9.28	8.9	18.48	22.69	22.8	15.26	9.8
Effective Tax Rate (%)	- -	12.81	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
Dvd Payout Ratio (%)	-47.84	56.42	83.48	68.11	243.27	199.21	15.56	-1.82	12.03	- -	4.42	5.47	5.81	10.94	19.97
Sustainable Growth Rate (%)	7.93	0.91	0.33	0.68	-0.86	-0.73	3.92	0.63	4.22	4.29	9.77	13.74	14.94	8.37	4.59

Credit (USD)

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	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 Debt	25	8	3	5	7	1	1	1	2	1	1	2	1	1	1
ST Debt	- -	- -	- -	2	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	25	8	3	3	3	1	1	1	2	1	1	2	1	1	1
Total Debt/EBITDA	-31.46	6.15	2.51	13.51	8.25	0.98	0.4	1.11	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-14.16	-17.85	-54.28	-158.67	-45.32	-28.7	-17.81	-40.32	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	-15.31	10.26	3.66	- -	14.35	1.65	0.49	2.22	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-6.89	-29.78	-78.93	- -	-78.84	-48.12	-21.76	-80.35	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.25	6.24	5.48	5.71	5.82	5.67	5.96	6	9.05	8.07	7.6	7.07	8.14	7.69	8.15
Long-Term Debt/Equity (%)	102.99	21.24	9.07	8.07	8.1	2.34	2.14	2.59	7.54	5.76	2.6	1.32	1.06	0.9	0.71
Long-Term Debt/Capital (%)	59.61	21.21	10.23	8.67	8.27	2.85	2.59	3.07	6.51	5.14	2.42	1.19	0.98	0.83	0.68
Long-Term Debt/Total Assets (%)	9.22	2.83	1.05	0.97	0.99	0.28	0.26	0.31	0.63	0.44	0.31	0.34	0.29	0.22	0.19
Total Debt/Equity (%)	102.99	21.24	9.07	13.22	18.08	2.34	2.14	2.59	7.54	5.76	2.6	1.32	1.06	0.9	0.71
Total Debt/Capital (%)	59.61	21.21	10.23	14.18	18.47	2.85	2.59	3.07	6.51	5.14	2.42	1.19	0.98	0.83	0.68
Total Debt/Total Assets (%)	9.22	2.83	1.05	1.58	2.21	0.28	0.26	0.31	0.63	0.44	0.31	0.34	0.29	0.22	0.19
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
Net Debt/Capital (%)	39.91	-357.89	168.55	206.29	509.37	-604.2	659.4	779.03	-777.09	220.3	-2,695.28	-248.05	-56.88	-39.53	-13.7
EBITDA	-1	1	1	- -	1	1	2	1	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	1	1	- -	- -	1	2	- -	-1	- -	- -	-1	-1	-1	-1
Operating Income (Loss)	-2	1	1	- -	- -	1	2	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.25	6.24	5.48	5.71	5.82	5.67	5.96	6	9.05	8.07	7.6	7.07	8.14	7.69	8.15
Long-Term Debt/Equity (%)	102.99	21.24	9.07	8.07	8.1	2.34	2.14	2.59	7.54	5.76	2.6	1.32	1.06	0.9	0.71
Long-Term Debt/Capital (%)	59.61	21.21	10.23	8.67	8.27	2.85	2.59	3.07	6.51	5.14	2.42	1.19	0.98	0.83	0.68
Long-Term Debt/Total Assets (%)	9.22	2.83	1.05	0.97	0.99	0.28	0.26	0.31	0.63	0.44	0.31	0.34	0.29	0.22	0.19
Total Debt/Equity (%)	102.99	21.24	9.07	13.22	18.08	2.34	2.14	2.59	7.54	5.76	2.6	1.32	1.06	0.9	0.71
Total Debt/Capital (%)	59.61	21.21	10.23	14.18	18.47	2.85	2.59	3.07	6.51	5.14	2.42	1.19	0.98	0.83	0.68
Total Debt/Total Assets (%)	9.22	2.83	1.05	1.58	2.21	0.28	0.26	0.31	0.63	0.44	0.31	0.34	0.29	0.22	0.19
CFO/Total Liabilities	0.41	0.68	1.03	0.15	0.99	0.65	0.6	0.95	0.66	3.86	1.42	1.89	2.43	0.67	0.93
CFO/CapEx	5.33	4.17	19.56	2.86	7.02	22.47	5.62	4.63	2.79	27.02	29.79	8.86	10.49	2.49	4.65
Altman's Z-Score	0.13	0.15	0.14	0.14	0.14	0.14	0.17	0.14	0.14	0.13	0.14	0.19	0.19	0.19	0.14

Working Capital (USD)

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	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
Accounts Receivable Turnover	9.31	12.6	16.33	19.71	15.86	14.05	15.11	14.39	27.61	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	39.19	28.96	22.35	18.52	23.01	25.97	24.16	25.37	13.22	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	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
Market Capitalization	7	3	5	4	5	6	9	6	6	8	14	41	30	39	- -
- Cash & Cash Equivalents	14	30	75	61	43	26	36	35	23	48	44	93	49	39	17
+ Preferred Equity and Hybrid Capital	- -	12	12	12	12	12	12	12	- -	- -	17	97	97	97	97
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	25	8	3	5	7	1	1	1	2	1	1	2	1	1	1
Enterprise Value	19	-8	-55	-41	-20	-7	-14	-16	-16	-39	-12	47	80	98	81
Total Capital	42	37	32	34	36	30	30	31	26	26	46	131	136	139	140
Total Debt/Capital (%)	59.61	21.21	10.23	14.18	18.47	2.85	2.59	3.07	6.51	5.14	2.42	1.19	0.98	0.83	0.68
Total Debt / EV	1.34	-0.96	-0.06	-0.12	-0.33	-0.12	-0.06	-0.06	-0.11	-0.03	-0.09	0.03	0.02	0.01	0.01
EV/Sales	1.49	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.45	3.33	4.11	3.41
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	18.27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.42	10	36.52	23.27
EV/Free Cash Flow to Firm	15.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.67	9.13	26.07	19.16
Diluted Market Cap	7	3	5	4	5	6	9	6	6	8	14	41	31	39	- -
Diluted Enterprise Value	19	-8	-55	-41	-20	-7	-14	-16	-16	-39	-12	47	80	98	81
EV per Share	9.59	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	23.61	40.27	49.31	- -
TTM Sales	13	14	13	14	13	12	13	12	11	12	15	19	24	24	24
TTM EBITDA	-1	1	1	- -	1	1	2	1	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-2	1	1	- -	- -	1	2	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	2	3	- -	3	2	2	2	2	11	5	6	8	3	3
TTM Free Cash Flow to Firm	1	2	3	1	3	2	2	3	2	11	5	7	9	4	4

Multiples (USD)

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	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
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	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	19	-8	-55	-41	-20	-7	-14	-16	-16	-39	-12	47	80	98	81
Low Price	2.25	1.5	1.55	2.15	2.25	2.4	2.95	3	1.88	2.4	3.9	6.2	12.96	11.35	17.9
EV/Sales	1.49	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.45	3.33	4.11	3.41
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	8.24	7.66	13.84	11.09	44.14	48.37	11.16	55.4	5.51	7.29	5.07	9.48	5.56	10.64	- -
Price/Earnings Average	8.76	10.68	13.18	11.06	41.86	42.42	10.69	73.41	4.57	5.95	4.98	5.19	7.19	8.55	- -
Price/Earnings High	18.38	29.51	25.47	15.92	60.35	70.94	13.47	94.18	6.36	15.6	5.9	10.42	11.17	10.78	- -
Price/Earnings Low	4.87	8.51	9.29	11.8	43.95	38.69	7.4	55.4	3.8	4.68	2.86	2.83	4.71	6.2	- -
Price/Book Value	0.44	0.16	0.27	0.24	0.27	0.36	0.51	0.34	0.23	0.31	0.49	1.29	0.82	0.96	- -
Price/Book Value Average	0.46	0.22	0.26	0.24	0.25	0.31	0.49	0.45	0.19	0.25	0.48	0.71	1.06	0.77	- -
Price/Book Value High	0.98	0.62	0.5	0.34	0.36	0.52	0.61	0.58	0.27	0.66	0.57	1.42	1.65	0.97	- -
Price/Book Value Low	0.26	0.18	0.18	0.25	0.27	0.29	0.34	0.34	0.16	0.2	0.28	0.39	0.7	0.56	- -
Price/Tangible Book Value	0.31	0.11	0.19	0.17	0.19	0.25	0.36	0.25	0.25	0.33	0.53	1.98	1.09	1.26	- -
Price/Tangible Book Value Average	0.32	0.15	0.18	0.17	0.18	0.22	0.35	0.33	0.21	0.27	0.52	1.08	1.4	1.01	- -
Price/Tangible Book Value High	0.68	0.43	0.35	0.24	0.26	0.37	0.44	0.42	0.29	0.7	0.62	2.17	2.18	1.27	- -
Price/Tangible Book Value Low	0.18	0.12	0.13	0.18	0.19	0.2	0.24	0.25	0.17	0.21	0.3	0.59	0.92	0.73	- -
Price/Sales	0.59	0.2	0.35	0.29	0.36	0.49	0.69	0.53	0.51	0.65	0.94	2.15	1.27	1.62	- -
Price/Sales Average	0.63	0.27	0.34	0.29	0.34	0.43	0.66	0.7	0.42	0.53	0.92	1.18	1.64	1.31	- -
Price/Sales High	1.32	0.76	0.65	0.41	0.49	0.72	0.84	0.9	0.59	1.39	1.09	2.36	2.55	1.65	- -
Price/Sales Low	0.35	0.22	0.24	0.3	0.36	0.39	0.46	0.53	0.35	0.42	0.53	0.64	1.07	0.95	- -
Price/Cash Flow	7.26	1.71	1.64	10.41	1.78	3.52	5.73	2.44	3.47	0.69	2.98	6.52	3.8	14.43	- -
Price/Cash Flow Average	7.71	2.38	1.56	10.39	1.69	3.09	5.49	3.23	2.88	0.57	2.92	3.57	4.91	11.6	- -
Price/Cash Flow High	16.19	6.58	3.02	14.95	2.44	5.17	6.91	4.15	4	1.49	3.47	7.17	7.63	14.62	- -
Price/Cash Flow Low	4.28	1.9	1.1	11.08	1.77	2.82	3.8	2.44	2.39	0.45	1.68	1.95	3.22	8.41	- -
Price/Free Cash Flow Average	6.5	1.92	1.49	7.69	1.48	2.96	4.66	2.66	2.12	0.55	2.83	3.21	4.53	8.35	- -
Price/Free Cash Flow High	13.63	5.31	2.88	11.07	2.13	4.95	5.87	3.41	2.95	1.43	3.35	6.45	7.05	10.53	- -
Price/Free Cash Flow Low	3.61	1.53	1.05	8.21	1.55	2.7	3.22	2.01	1.76	0.43	1.62	1.76	2.97	6.05	- -
EV/Sales Average	1.53	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.48	3.71	3.79	3.41
EV/Sales High	2.22	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.66	4.61	4.13	3.41
EV/Sales Low	1.25	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.94	3.14	3.43	3.41
EV/EBITDA Average	-24.07	-5.55	-41.95	-114.24	-25.09	-8.89	-7.37	-16.82	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-34.96	-0.21	-38.78	-109.19	-22.67	-4.72	-6.22	-14.11	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-19.67	-6.16	-42.96	-113.47	-24.82	-9.44	-8.74	-19.17	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-11.71	-9.25	-61	- -	-43.65	-14.91	-9.01	-33.53	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-17.01	-0.35	-56.39	- -	-39.44	-7.92	-7.6	-28.13	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-9.57	-10.28	-62.46	- -	-43.18	-15.82	-10.67	-38.21	- -	- -	- -	- -	- -	- -	- -
Last Price	3.81	1.35	2.31	2.02	2.26	3	4.45	3	2.73	3.74	6.91	20.74	15.3	19.49	18.75
High Price	8.5	5.2	4.25	2.9	3.09	4.4	5.37	5.1	3.15	8	8.05	22.8	30.75	19.74	24.31
Enterprise Value Average	19	-7	-55	-41	-20	-8	-14	-14	-16	-41	-13	28	89	90	81
Enterprise Value High	28	- -	-51	-39	-18	-4	-12	-12	-15	-30	-10	51	110	98	81
Enterprise Value Low	16	-8	-56	-40	-20	-8	-17	-16	-17	-42	-18	18	75	82	81

	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
Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	- -
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	- -
Revenue per Share	6.42	6.87	6.53	7.05	6.33	6.12	6.42	5.67	5.33	5.76	7.38	9.64	12.08	12	- -
EBITDA per Share	-0.41	0.62	0.65	0.18	0.39	0.42	0.96	0.41	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-0.84	0.37	0.44	- -	0.22	0.25	0.79	0.21	- -	- -	- -	- -	- -	- -	- -
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 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	- -
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	- -
Cash Flow per Share	0.53	0.79	1.41	0.19	1.27	0.85	0.78	1.23	0.79	5.38	2.32	3.18	4.03	1.35	- -
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	- -
Cash & Equivalents per Share	7.07	14.92	36.71	30.18	20.96	12.59	17.51	17.19	11.2	23.52	22.53	47.06	24.8	19.84	- -
Book Value per Share	8.71	8.43	8.5	8.56	8.48	8.42	8.76	8.81	11.82	12.18	14.04	16.1	18.63	20.36	- -
Tangible Book Value per Share	12.48	12.23	12.15	12.15	12.09	12.02	12.23	12.06	10.92	11.46	12.96	10.48	14.08	15.52	- -

M&F Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)