Comparing M&F Bancorp (MFBP) and The Competition

Valuation & Earnings

This table compares M&F Bancorp and its competitors top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
M&F Bancorp	$29.33 million	$4.77 million	9.67
M&F Bancorp Competitors	$602.79 million	$154.64 million	13.71

M&F Bancorp’s competitors have higher revenue and earnings than M&F Bancorp. M&F Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Dividends

M&F Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.2%. M&F Bancorp pays out 12.1% of its earnings in the form of a dividend. As a group, “BANKS – SOUTHEAST” companies pay a dividend yield of 2.2% and pay out 24.1% of their earnings in the form of a dividend.

Insider & Institutional Ownership

50.4% of shares of all “BANKS – SOUTHEAST” companies are owned by institutional investors. 2.9% of M&F Bancorp shares are owned by insiders. Comparatively, 12.8% of shares of all “BANKS – SOUTHEAST” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares M&F Bancorp and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
M&F Bancorp	N/A	N/A	N/A
M&F Bancorp Competitors	16.58%	9.98%	1.05%

Risk & Volatility

M&F Bancorp has a beta of -0.5, indicating that its share price is 150% less volatile than the S&P 500. Comparatively, M&F Bancorp’s competitors have a beta of 0.64, indicating that their average share price is 36% less volatile than the S&P 500.

Summary

M&F Bancorp competitors beat M&F Bancorp on 10 of the 11 factors compared.

M&F Bancorp Company Profile

M&F Bancorp, Inc. operates as a bank holding company for the Mechanics and Farmers Bank that provides consumer and commercial banking products and services in North Carolina. It offers deposit products, including demand deposits; checking, savings, and money market accounts, as well as certificates of deposit. The company provides loans for commercial and residential real estate, and construction; and consumer and other loans; as well as ATM services. M&F Bancorp, Inc. was founded in 1907 and is headquartered in Durham, North Carolina.