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

Company Overview

M&F Bancorp, Inc. is the bank holding company for M&F Bank, a community bank headquartered in Martinsville, Virginia. Through its subsidiary, the company offers a comprehensive suite of commercial and retail banking products and services designed to meet the needs of individuals, small- and medium-sized businesses, and municipal entities. Core offerings include checking and savings accounts, money market and time deposit products, consumer and mortgage loans, and commercial lending solutions.

Operating primarily in southwestern Virginia and northern North Carolina, M&F Bank maintains a network of full-service branches complemented by digital banking channels. Customers benefit from online and mobile banking platforms, cash management and treasury services, merchant card processing, and remote deposit capture. The bank emphasizes relationship-driven banking, tailoring lending and deposit solutions to support local industries such as manufacturing, healthcare, agriculture and real estate development.

As a community-focused financial institution, M&F Bancorp emphasizes prudent risk management, customer service and regional economic development. The holding company’s board of directors and executive leadership are drawn from local business and civic leaders, ensuring governance practices align with the needs of the markets it serves. M&F Bancorp’s commitment to personalized service and strong local relationships underpins its strategy for sustainable growth and community support.

Key Stats

• Today's Range: $27.00 to $28.35
• 50-Day Range: $22.51 to $27.90
• 52-Week Range: $18.00 to $28.35
• Volume: 3,803 shs
• Average Volume: 1,049 shs
• Market Capitalization: $52.38 million
• P/E Ratio: 20.77
• Dividend Yield: 0.89%
• Price Target: N/A
• Consensus Rating: N/A

M&F Bancorp Stock Analysis - MarketRank™

M&F Bancorp scored higher than 35% 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: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of M&F Bancorp is 20.77, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 43.01.

Price to Earnings Ratio vs. Sector

The P/E ratio of M&F Bancorp is 20.77, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.38.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% 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 0.02, 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 decreased by 68.44%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

M&F Bancorp has a dividend yield of 0.88%, 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 18.46%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.14

News Sentiment

M&F Bancorp has a news sentiment score of 0.14. 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 0.82 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles 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: 5/05/2026
• Today: 6/02/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:MFBP
• CIK: 1094738
• Web: www.mfbonline.com
• Phone: (919) 687-7800
• Fax: 919-687-7821
• Employees: 67
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 20.77
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• 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: 1.76
• 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: $52.38 million
• Optionable: Not Optionable
• Beta: -0.53