MFBP (M & F Bancorp) Cyclically Adjusted Revenue per Share: $10.07 (As of Mar. 2026)

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MFBP M & F Bancorp Inc MFBP
45 GF Score
Price $47.40
GF Value $19.10
Valuation Significantly Overvalued
! 6 Warning Signs
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What is M & F Bancorp Cyclically Adjusted Revenue per Share?

M & F Bancorp MFBP -0.84% 45 Cyclically Adjusted Revenue per Share is $10.07 as of Mar. 2026. GuruFocus rates MFBP with a GF Score™ of 45/100 and a GF Value™ of $19.10 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

M & F Bancorp's adjusted revenue per share for the three months ended in Mar. 2026 was $2.878. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $10.07 for the trailing ten years ended in Mar. 2026.

During the past 12 months, M & F Bancorp's average Cyclically Adjusted Revenue Growth Rate was 5.70% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 5.70% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 6.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of M & F Bancorp was 6.50% per year. The lowest was -2.40% per year. And the median was 1.20% per year.

As of today (2026-07-31), M & F Bancorp's current stock price is $47.40. M & F Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $10.07. M & F Bancorp's Cyclically Adjusted PS Ratio of today is 4.71.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of M & F Bancorp was 4.72. The lowest was 0.29. And the median was 0.93.


M & F Bancorp  (OTCPK:MFBP) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

M & F Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=47.40/10.07
=4.71

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of M & F Bancorp was 4.72. The lowest was 0.29. And the median was 0.93.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


M & F Bancorp Cyclically Adjusted Revenue per Share Related Terms


M & F Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for M & F Bancorp's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

M & F Bancorp Cyclically Adjusted Revenue per Share Chart

M & F Bancorp Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.75 8.31 8.82 9.35 9.82

M & F Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.53 9.69 9.76 9.82 10.07

MFBP vs FUSB, PBKC, CULL: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, M & F Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


M & F Bancorp Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, M & F Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where M & F Bancorp's Cyclically Adjusted PS Ratio falls into.


MFBP
45GF Score
M & F Bancorp Inc MFBP
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

M & F Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, M & F Bancorp's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.878/330.2130*330.2130
=2.878

Current CPI (Mar. 2026) = 330.2130.

M & F Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201209 1.660 231.407 2.369
201212 1.550 229.601 2.229
201303 1.416 232.773 2.009
201306 1.439 233.504 2.035
201309 1.521 234.149 2.145
201312 1.746 233.049 2.474
201403 1.534 236.293 2.144
201406 1.732 238.343 2.400
201409 1.680 238.031 2.331
201412 1.481 234.812 2.083
201503 1.375 236.119 1.923
201506 1.423 238.638 1.969
201509 1.476 237.945 2.048
201512 1.396 236.525 1.949
201603 1.338 238.132 1.855
201606 1.454 241.018 1.992
201912 0.000 256.974 0.000
202009 1.563 260.280 1.983
202012 1.458 260.474 1.848
202103 1.592 264.877 1.985
202106 1.693 271.696 2.058
202109 2.061 274.310 2.481
202112 2.031 278.802 2.406
202203 2.011 287.504 2.310
202206 2.223 296.311 2.477
202209 2.466 296.808 2.744
202212 2.899 296.797 3.225
202303 2.854 301.836 3.122
202306 2.866 305.109 3.102
202309 3.080 307.789 3.304
202312 3.148 306.746 3.389
202403 2.799 312.332 2.959
202406 2.964 314.175 3.115
202409 3.002 315.301 3.144
202412 3.130 315.605 3.275
202503 2.950 319.799 3.046
202506 3.104 322.561 3.178
202509 3.083 324.800 3.134
202512 2.995 324.054 3.052
202603 2.878 330.213 2.878

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $10.07 mean?
M & F Bancorp (MFBP) has a Cyclically Adjusted Revenue per Share of $10.07 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on M & F Bancorp and its competitors.
Is M & F Bancorp's Cyclically Adjusted Revenue per Share too high?
M & F Bancorp's current Cyclically Adjusted Revenue per Share is $10.07. Overall, M & F Bancorp has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does M & F Bancorp's Cyclically Adjusted Revenue per Share compare to FUSB and PBKC?
M & F Bancorp's Cyclically Adjusted Revenue per Share of $10.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on M & F Bancorp and its competitors. M & F Bancorp's current Cyclically Adjusted Revenue per Share is $10.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is M & F Bancorp stock overvalued right now?
Based on GuruFocus' analysis, M & F Bancorp (MFBP) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.10, compared to a current price of $47.40 — trading 148.2% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $10.07. M & F Bancorp's overall GF Score™ is 45/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For M & F Bancorp (MFBP), the current Cyclically Adjusted Revenue per Share is $10.07 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is M & F Bancorp (MFBP) Overvalued in 2026?

Based on GuruFocus' analysis, M & F Bancorp stock appears to be overvalued. The current stock price of $47.40 is trading 148.2% above its estimated GF Value™ of $19.10. GuruFocus considers M & F Bancorp to be Significantly Overvalued.

Key valuation signals for MFBP:

  • Cyclically Adjusted Revenue per Share: $10.07
  • GF Value™: $19.10 vs. price of $47.40 (148.2% above fair value)
  • GF Score™: 45/100 with 6 warning signs

No single metric tells the full story. See the MFBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


M & F Bancorp Business Description

Address 2634 Durham Chapel Hill Boulevard, Suite 101, PO BOX 19322, Durham, NC, USA, 27707
M & F Bancorp Inc is a bank holding company. The Bank has seven branches in North Carolina: two in Durham, two in Raleigh, and one each in Charlotte, Greensboro, and Winston-Salem. The company operates as a single business segment and offers a wide variety of consumer and commercial banking services and products. The Bank offers banking services such as checking accounts, savings accounts, Negotiable Order of Withdrawal accounts, money market accounts, certificates of deposit, individual retirement accounts, equity lines of credit, credit lines, consumer loans, and credit cards. M&F Bank is one of only a few NC banks designated by the U.S. Treasury as a Community Development Financial Institution.
45GF Score

Get the complete analysis for MFBP

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.40
Price
$19.10
GF Value