M&F Bancorp (MFBP) Stock Price, News & Analysis

Company Overview

M&F Bancorp, Inc. is a bank holding company for Mechanics and Farmers Bank (M&F Bank), a community bank headquartered in Durham, North Carolina. M&F Bank provides banking services to individuals, families, businesses and nonprofit organizations, including deposit accounts, consumer and commercial lending, mortgage services, online and mobile banking, and treasury-management services.

Founded in 1907, M&F Bank is one of the oldest African American-owned banks in the United States. The bank serves customers in North Carolina through its branch network and digital banking channels, with a presence in markets including Durham, Raleigh, Charlotte and Greensboro. Its offerings include checking and savings accounts, certificates of deposit, residential mortgages, personal loans, commercial loans and lines of credit.

Through its community-banking model, M&F Bank focuses on relationship-based service and financial support for consumers and small and midsize businesses. M&F Bancorp’s operations are primarily concentrated in North Carolina through its banking subsidiary.

Key Stats

• Today's Range: $48.50 to $48.50
• 50-Day Range: $47.45 to $49.50
• 52-Week Range: $18.40 to $49.50
• Volume: 3 shs
• Average Volume: 946 shs
• Market Capitalization: $94.09 million
• P/E Ratio: 45.76
• Dividend Yield: 0.49%
• Price Target: N/A
• Consensus Rating: N/A

M&F Bancorp Stock Analysis - MarketRank™

M&F Bancorp scored higher than 3% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for M&F Bancorp.

Earnings and Valuation

• Score: 0.0 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of M&F Bancorp is 45.76, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 39.05.

Price to Earnings Ratio vs. Sector

The P/E ratio of M&F Bancorp is 45.76, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 24.75.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.03% of the float of M&F Bancorp has been sold short.

Short Interest Ratio / Days to Cover

M&F Bancorp has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in M&F Bancorp has recently increased by 81.42%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

M&F Bancorp has a dividend yield of 0.49%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

M&F Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of M&F Bancorp is 22.64%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

News Sentiment

M&F Bancorp has a news sentiment score of -1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.63 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for M&F Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.1 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, M&F Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

2.93% of the stock of M&F Bancorp is held by insiders.

Percentage Held by Institutions

M&F Bancorp has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 7/31/2026
• Today: 10/12/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: OTCMKTS:MFBP
• CIK: 1094738
• Web: www.mfbonline.com
• Phone: (919) 687-7800
• Fax: 919-687-7821
• Employees: 70
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.06
• Trailing P/E Ratio: 45.76
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $4.30 million
• Net Margins: 14.11%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $29.72 million
• Price / Sales: 3.17
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 1,940,000
• Free Float: 1,880,000
• Market Cap: $94.09 million
• Optionable: Not Optionable
• Beta: -0.62