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
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	3.88	1.46	1.37	1.5	0.42	0.51	3.29	0.45	4.31	4.6	10.98	18.69	22.42	12.37	6.96
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 (%)	5.73	0.63	0.23	0.48	-0.61	-0.51	2.78	0.45	3.79	4.6	10.49	17.67	21.12	11.02	5.57

Credit (USD)

Credit Ratios API ChatGPT

	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
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	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
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 (%)	50.74	17.52	8.31	7.13	6.86	2.29	2.1	2.52	7.01	5.45	2.53	1.3	1.05	0.89	0.71
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 (%)	50.74	17.52	8.31	11.67	15.31	2.29	2.1	2.52	7.01	5.45	2.53	1.3	1.05	0.89	0.71
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 (%)	31.67	-160.96	204.44	281.18	-14,353.78	-216.96	-1,945.75	-1,520.76	-2,099.72	206.27	9,232.16	-352.31	-63.5	-43.75	-14.26
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)

Liquidity Ratios API ChatGPT

	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
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	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
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 (%)	50.74	17.52	8.31	7.13	6.86	2.29	2.1	2.52	7.01	5.45	2.53	1.3	1.05	0.89	0.71
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 (%)	50.74	17.52	8.31	11.67	15.31	2.29	2.1	2.52	7.01	5.45	2.53	1.3	1.05	0.89	0.71
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	0.14	0.16	0.14	0.14	0.14	0.14	0.17	0.14	0.14	0.13	0.14	0.19	0.2	0.19	0.2

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	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
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	11	4	6	5	5	7	10	7	6	8	14	42	31	39	36
- 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	22	-7	-54	-40	-19	-6	-13	-16	-16	-39	-12	48	80	98	118
Total Capital	49	44	40	41	43	37	37	37	24	25	44	120	127	129	135
Total Debt/Capital (%)	50.74	17.52	8.31	11.67	15.31	2.29	2.1	2.52	7.01	5.45	2.53	1.3	1.05	0.89	0.71
Total Debt / EV	1.15	-1.07	-0.06	-0.12	-0.34	-0.13	-0.06	-0.06	-0.11	-0.03	-0.09	0.03	0.02	0.01	0.01
EV/Sales	1.74	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.5	3.35	4.11	4.92
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	21.34	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.57	10.05	36.52	33.63
EV/Free Cash Flow to Firm	17.97	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.8	9.17	26.07	27.68
Diluted Market Cap	10	4	6	5	5	7	10	7	6	8	14	42	31	39	37
Diluted Enterprise Value	21	-7	-54	-40	-19	-6	-13	-16	-15	-39	-12	48	81	98	118
EV per Share	10.75	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.07	40.47	49.31	60.88
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)

Valuation Multiples API ChatGPT

	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
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	8.34	1.79	1.96	9.16	1.76	3.65	5.19	2.14	2.67	0.7	2.98	6	3.55	10.39	8.7
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	22	-7	-54	-40	-19	-6	-13	-16	-16	-39	-12	48	80	98	118
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	1.74	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.5	3.35	4.11	4.92
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.24	9.93	17.38	13.18	49.81	52.4	11.91	59.09	5.75	7.61	5.24	9.69	5.63	10.64	15.61
Price/Earnings Average	12.3	14.35	17.03	13.85	49.56	47.86	11.56	78.3	4.87	6.21	5.18	5.32	7.32	8.6	15.73
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	20.24
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	14.9
Price/Book Value	0.43	0.14	0.24	0.2	0.21	0.27	0.39	0.27	0.25	0.32	0.55	2.02	1.1	1.26	0.99
Price/Book Value Average	0.48	0.21	0.23	0.21	0.21	0.25	0.38	0.35	0.21	0.26	0.55	1.11	1.43	1.01	1
Price/Book Value High	0.71	0.43	0.35	0.24	0.26	0.37	0.44	0.42	0.28	0.66	0.62	2.17	2.18	1.27	1.29
Price/Book Value Low	0.19	0.12	0.13	0.18	0.19	0.2	0.24	0.25	0.16	0.2	0.3	0.59	0.92	0.73	0.95
Price/Tangible Book Value	0.43	0.14	0.24	0.2	0.21	0.27	0.39	0.27	0.25	0.32	0.55	2.02	1.1	1.26	0.99
Price/Tangible Book Value Average	0.48	0.21	0.23	0.21	0.21	0.25	0.38	0.35	0.21	0.26	0.55	1.11	1.43	1.01	1
Price/Tangible Book Value High	0.71	0.43	0.35	0.24	0.26	0.37	0.44	0.42	0.28	0.66	0.62	2.17	2.18	1.27	1.29
Price/Tangible Book Value Low	0.19	0.12	0.13	0.18	0.19	0.2	0.24	0.25	0.16	0.2	0.3	0.59	0.92	0.73	0.95
Price/Sales	0.81	0.25	0.44	0.34	0.4	0.53	0.74	0.56	0.53	0.68	0.97	2.2	1.28	1.62	1.53
Price/Sales Average	0.89	0.37	0.44	0.36	0.4	0.48	0.72	0.75	0.45	0.55	0.96	1.21	1.67	1.31	1.54
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	1.98
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	1.46
Price/Cash Flow	9.9	2.21	2.06	12.37	2.01	3.82	6.11	2.6	3.62	0.72	3.08	6.66	3.85	14.43	10.45
Price/Cash Flow Average	10.84	3.2	2.02	13.01	2	3.49	5.94	3.45	3.07	0.59	3.04	3.66	5	11.66	10.53
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	13.55
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	9.98
Price/Free Cash Flow Average	9.12	2.58	1.92	9.64	1.75	3.34	5.04	2.84	2.26	0.57	2.94	3.3	4.62	8.4	8.76
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	11.28
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	8.3
EV/Sales Average	1.82	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.51	3.74	3.8	4.93
EV/Sales High	2.28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.66	4.61	4.13	5.37
EV/Sales Low	1.27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.94	3.14	3.43	4.85
EV/EBITDA Average	-28.68	-4.51	-40.96	-111.34	-24.09	-8.1	-7.01	-16.19	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-35.85	-0.21	-38.78	-109.19	-22.67	-4.72	-6.22	-14.11	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-19.9	-6.16	-42.96	-113.47	-24.82	-9.44	-8.74	-19.17	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-13.95	-7.52	-59.56	- -	-41.9	-13.58	-8.56	-32.26	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-17.44	-0.35	-56.39	- -	-39.44	-7.92	-7.6	-28.13	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-9.68	-10.28	-62.46	- -	-43.18	-15.82	-10.67	-38.21	- -	- -	- -	- -	- -	- -	- -
Last Price	5.2	1.75	2.9	2.4	2.55	3.25	4.75	3.2	2.85	3.9	7.15	21.2	15.5	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	23	-6	-54	-40	-19	-7	-14	-14	-16	-41	-12	29	89	90	118
Enterprise Value High	29	- -	-51	-39	-18	-4	-12	-12	-15	-31	-10	51	110	98	128
Enterprise Value Low	16	-8	-56	-40	-20	-8	-17	-16	-17	-42	-18	18	75	82	116

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	2
Basic Weighted Avg Shares	2	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	12.26
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	1.2
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	2.21
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	1.19
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	2.18
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	1.24
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	1.79
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	1.41
Cash & Equivalents per Share	6.78	14.92	36.71	30.18	20.96	12.59	17.51	17.19	11.73	24.82	22.47	47.06	24.79	19.83	8.71
Book Value per Share	11.97	12.23	12.15	12.15	12.09	12.02	12.23	12.06	11.43	12.09	12.93	10.48	14.08	15.52	18.91
Tangible Book Value per Share	11.97	12.23	12.15	12.15	12.09	12.02	12.23	12.06	11.43	12.09	12.93	10.48	14.08	15.52	18.91

M&F Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)