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M & F BancorpMFBP 45 FCF Margin % is 0.00% 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. Among 1,502 Banks companies, M & F Bancorp ranks worse than 65.71% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. M & F Bancorp's Free Cash Flow for the
three
months ended in Mar. 2026 was $0.00 Mil. M & F Bancorp's Revenue for the
three
months ended in Mar. 2026 was $5.63 Mil. Therefore, M & F Bancorp's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.
The historical data trend for M & F Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, M & F Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, M & F Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where M & F Bancorp's FCF Margin % falls into.
* 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 (MFBP) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on M & F Bancorp and its competitors. Over the past decade, M & F Bancorp's FCF Margin % has ranged from 6.74 to 89.97. According to the industry distribution chart, M & F Bancorp ranks #987 out of 1502 companies in the Banks industry, placing it in the top 65.7%.
Is M & F Bancorp's FCF Margin % too high?
M & F Bancorp's current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 6.74 to a high of 89.97. Based on the distribution chart, M & F Bancorp ranks #987 out of 1502 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to FUSB and PBKC?
According to the Banks industry distribution chart, M & F Bancorp ranks #987 out of 1502 companies for FCF Margin %. This places M & F Bancorp in the lower half of its industry. The industry median FCF Margin % is 25.85. Historically, M & F Bancorp's own FCF Margin % has ranged from 6.74 to 89.97 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.85, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on M & F Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. M & F Bancorp's current FCF Margin % is 0.00%. 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 $47.80 — trading 150.3% above its estimated fair value. The current FCF Margin % is 0.00%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For M & F Bancorp (MFBP), the current FCF Margin % is 0.00% 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 $47.80 is trading 150.3% above its estimated GF Value™ of $19.10.
GuruFocus considers M & F Bancorp to be Significantly Overvalued.
Key valuation signals for MFBP:
FCF Margin %: 0.00%
GF Value™: $19.10 vs. price of $47.80 (150.3% above fair value)
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 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
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