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M&F Bancorp, Inc. (MFBP)
USD29.98
+0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address
2634 Durham Chapel Hill Boulevard 27707
Durham, NC, US
Durham, NC, US
CEO
James H. Sills
Website
mfbonline.com
IPO
1999-09-22
CIK 1094738 ISIN US5525071057
Description
M&F Bancorp, Inc. serves as the parent company for Mechanics and Farmers Bank, providing a comprehensive array of banking products and services to both individual consumers and businesses across North Carolina. Its offerings include various deposit solutions such as checking, savings, and money market accounts, along with certificates of deposit and demand deposit services. The company also extends credit for commercial and residential real estate, construction projects, and personal loans, supplemented by ATM services. Established in 1907, M&F Bancorp operates seven branch locations throughout North Carolina, specifically in Durham, Raleigh, Charlotte, Greensboro, and Winston-Salem, with its main office situated in Durham.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD29.98
+0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
800
Beta
-0.53
Float Shares
1.97M
Free Float %
101.6%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +0.80% | +27.22% | +36.41% | +33.87% | +39.83% | +7.73% | +234.67% | +765.52% | +448.03% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
29.98
DCF (Unlevered)
22.71
-24.2%
DCF (Levered)
26.69
-11.0%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.27
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
4 / 5
High
P/E Score
3 / 5
Medium
P/Book Score
5 / 5
High
Operational MOAT
-
Revenue growth+2.5% Q1'26: -6.2% (vs Q1'25)
-
EPS growth-34.3% Q1'26: -14.3% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +17.8% (vs Q1'25)
-
ROIC— Q1'26: +2.9% (vs Q1'25)
-
Share dilution-1.4% Q1'26: -2.3% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 0.18× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-07 | A- | 4/5 | 3/5 | 2/5 | 3/5 | 4/5 | 3/5 | 5/5 |
| 2026-05-05 | A- | 4/5 | 3/5 | 2/5 | 3/5 | 4/5 | 3/5 | 5/5 |
| 2026-05-04 | A- | 4/5 | 3/5 | 2/5 | 3/5 | 4/5 | 3/5 | 5/5 |
| 2026-05-01 | A- | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 | 4/5 | 5/5 |
| 2026-04-20 | A | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 | 4/5 | 5/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
603.6K
OE per share TTM
0.30
Owner's Yield
1.24%
Maintenance CapEx ratio
7.85%
Maint CapEx / Avg PPE
19.9%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
1
Beneficial owners (>5%)
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Selena W. Wheeler | 83.8K | 9.94% | — | — | — | — | IN | USA | 2004-04-28 | ↗ |
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
77.9K
Shares Outstanding
1.94M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2014 | James E. Sansom Senior Vice President/Chief Lending Officer of the Bank; Former Interim President of the Bank | 161.1K | — | — | — | — | 16.0K | 177.1K | 0.00% | ↗ |
| 2 | 2014 | James H. Sills, III President/Chief Executive Officer of the Corporation and the Bank | 84.6K | — | — | — | — | 7.4K | 92.0K | 0.00% | ↗ |
| 3 | 2010 | Kim D. Saunders President/Chief Executive Officer of the Corporation and the Bank | 247.5K | — | — | — | — | 20.3K | 267.8K | 0.00% | ↗ |
| 4 | 2009 | Kim D. Saunders President/Chief Executive Officer of the Corporation and the Bank | 247.5K | 5.4K | — | — | — | 6.0K | 258.9K | 0.00% | ↗ |
| 5 | 2008 | Lyn Hittle Senior Vice President/Chief Financial Officer of the Corporation and the Bank | 96.1K | 15.3K | — | — | — | 4.4K | 115.7K | 0.00% | ↗ |
| 6 | 2007 | Kim D. Saunders President/Chief Executive Officer of the Corporation and the Bank | 19.01M | 2.55M | — | — | — | 2.06M | 23.63M | 0.00% | ↗ |
| 7 | 2006 | Kim D. Saunders President/Chief Executive Officer of the Corporation and the Bank | — | — | — | — | — | — | — | — | ↗ |
| 8 | 2005 | E. Elaine Small Vice President of the Corporation and Executive Vice President/Operations Group Executive of the Bank | 112.7K | 19.8K | — | — | — | 448.7K | 581.2K | 0.00% | ↗ |
| 9 | 2005 | Lee Johnson, Jr. Former President/Chief Executive Officer of the Corporation and the Bank | 75.4K | 37.3K | — | — | — | 181.0K | 293.7K | 0.00% | ↗ |
| 10 | 2005 | Wesley C. Christopher Senior Vice President/Banking Group Executive | 95.6K | 14.1K | — | — | — | 7.3K | 117.1K | 0.00% | ↗ |
| 11 | 2005 | Ronald Wiley President/Chief Executive Officer of the Corporation and the Bank | 90.0K | — | — | — | — | 14.5K | 104.4K | 0.00% | ↗ |
| 12 | 2004 | Lee Johnson, Jr. President/Chief Executive Officer of the Corporation and the Bank | 159.2K | 36.0K | — | — | — | 111.9K | 307.1K | 0.00% | ↗ |
| 13 | 2004 | Lee Johnson, Jr. Former President/Chief Executive Officer of the Corporation and the Bank | 159.2K | 36.0K | — | — | — | 111.4K | 306.5K | 0.00% | ↗ |
| 14 | 2004 | E. Elaine Small Vice President of the Corporation and Executive Vice President/Operations Group Executive of the Bank | 110.2K | 15.3K | — | — | — | 107.9K | 233.5K | 0.00% | ↗ |
| 15 | 2004 | Fohliette W. Becote Secretary/Treasurer of the Corporation and Senior Vice President, Chief Financial Officer and Corporate Secretary of the Bank | 100.2K | 13.8K | — | — | — | 55.3K | 169.3K | 0.00% | ↗ |
| 16 | 2004 | Wesley C. Christopher Senior Vice President/Banking Group Executive | — | — | — | — | — | — | — | — | ↗ |
| 17 | 2004 | Ronald Wiley President/Chief Executive Officer of the Corporation and the Bank | — | — | — | — | — | — | — | — | ↗ |
| 18 | 2003 | Lee Johnson, Jr. Former President/Chief Executive Officer of the Corporation and the Bank | 151.6K | 25.7K | — | — | — | 24.6K | 201.9K | 0.00% | ↗ |
| 19 | 2003 | Lee Johnson, Jr. President/Chief Executive Officer of the Corporation and the Bank | 151.6K | 25.7K | — | — | — | 24.6K | 201.9K | 0.00% | ↗ |
| 20 | 2003 | Lee Johnson, Jr. President/Chief Executive Officer of MF Bancorp, Inc. and Mechanics Farmers Bank | 151.6K | 25.7K | — | — | — | — | 177.3K | 0.00% | ↗ |
| 21 | 2003 | E. Elaine Small Vice President of the Corporation and Executive Vice President/Operations Group Executive of the Bank | 106.5K | 17.7K | — | — | — | 8.0K | 132.2K | 0.00% | ↗ |
| 22 | 2003 | Fohliette W. Becote Secretary/Treasurer of the Corporation and Senior Vice President, Chief Financial Officer and Corporate Secretary of the Bank | 96.6K | 21.0K | — | — | — | 7.1K | 124.6K | 0.00% | ↗ |
| 23 | 2003 | E. Elaine Small Vice President of MF Bancorp, Inc. and Executive Vice President/ Operations Group Executive of Mechanics Farmers Bank | 106.5K | 17.7K | — | — | — | — | 124.2K | 0.00% | ↗ |
| 24 | 2003 | Fohliette W. Becote Secretary/Treasurer of MF Bancorp, Inc. and Senior Vice President, Chief Financial Officer and Corporate Secretary of Mechanics Farmers Bank | 96.6K | 21.0K | — | — | — | — | 117.5K | 0.00% | ↗ |
| 25 | 2003 | Wesley C. Christopher Senior Vice President/Banking Group Executive | — | — | — | — | — | — | — | — | ↗ |
| 26 | 2003 | Ronald Wiley President/Chief Executive Officer of the Corporation and the Bank | — | — | — | — | — | — | — | — | ↗ |
| 27 | 2002 | Lee Johnson, Jr. President/Chief Executive Officer of the Corporation and the Bank | 144.3K | 28.7K | — | — | — | 64.8K | 237.8K | 0.00% | ↗ |
| 28 | 2002 | Lee Johnson, Jr. President/Chief Executive Officer of MF Bancorp, Inc. and Mechanics Farmers Bank | 144.3K | 28.7K | — | — | — | — | 173.1K | 0.00% | ↗ |
| 29 | 2002 | E. Elaine Small Vice President of the Corporation and Executive Vice President/Operations Group Executive of the Bank | 103.1K | 18.6K | — | — | — | 6.7K | 128.4K | 0.00% | ↗ |
| 30 | 2002 | E. Elaine Small Vice President of MF Bancorp, Inc. and Executive Vice President/ Operations Group Executive of Mechanics Farmers Bank | 103.1K | 18.6K | — | — | — | — | 121.7K | 0.00% | ↗ |
| 31 | 2002 | Fohliette W. Becote Secretary/Treasurer of the Corporation and Senior Vice President, Chief Financial Officer and Corporate Secretary of the Bank | 92.8K | 16.9K | — | — | — | 5.7K | 115.4K | 0.00% | ↗ |
| 32 | 2002 | Fohliette W. Becote Secretary/Treasurer of MF Bancorp, Inc. and Senior Vice President, Chief Financial Officer and Corporate Secretary of Mechanics Farmers Bank | 92.8K | 16.9K | — | — | — | — | 109.7K | 0.00% | ↗ |
| 33 | 2001 | Lee Johnson, Jr. President/Chief Executive Officer of MF Bancorp, Inc. and Mechanics Farmers Bank | 138.2K | — | — | — | — | — | 138.2K | 0.00% | ↗ |
| 34 | 2001 | E. Elaine Small Vice President of MF Bancorp, Inc. and Executive Vice President/ Operations Group Executive of Mechanics Farmers Bank | 100.1K | — | — | — | — | — | 100.1K | 0.00% | ↗ |
| 35 | 2001 | Fohliette W. Becote Secretary/Treasurer of MF Bancorp, Inc. and Senior Vice President, Chief Financial Officer and Corporate Secretary of Mechanics Farmers Bank | 88.3K | — | — | — | — | — | 88.3K | 0.00% | ↗ |
| 36 | 2000 | Lee Johnson, Jr. President/Chief Executive Officer of MF Bancorp, Inc. and Mechanics Farmers Bank | — | — | — | — | — | 50.2K | 50.2K | 0.00% | ↗ |
| 37 | 2000 | E. Elaine Small Vice President of MF Bancorp, Inc. and Executive Vice President/ Operations Group Executive of Mechanics Farmers Bank | — | — | — | — | — | 6.2K | 6.2K | 0.00% | ↗ |
| 38 | 2000 | Fohliette W. Becote Secretary/Treasurer of MF Bancorp, Inc. and Senior Vice President, Chief Financial Officer and Corporate Secretary of Mechanics Farmers Bank | — | — | — | — | — | 5.3K | 5.3K | 0.00% | ↗ |
CEO compensation breakdown
Proxy statements
Proxy statements (DEF 14A)
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| James H. Sills | President, Chief Executive Officer & Director | 343.8K | male |
| Randall C. Hall CGMA | Executive Vice President & Chief Financial Officer | 230.4K | male |
| Valerie Quiett | Senior Vice President, Chief Legal Officer, Corporate Secretary & Compliance Officer | — | female |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for MFBP
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
