MFBP (M & F Bancorp) GF Score: 45/100 (As of Jul. 31, 2026) — 31% Below Median

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 GF Score?

M & F Bancorp MFBP -0.84% 45 GF Score is 45 as of Jul. 31, 2026, which is 31% below its 10-year median of 65.00. 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.

M & F Bancorp has the GF Score of 45, which implies that the company might have Worst future performance potential, or not enough data.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 5/10
2. Profitability Rank : 5/10
3. Growth Rank : 3/10
4. GF Value Rank : 1/10
5. Momentum Rank : 1/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes M & F Bancorp might have Worst future performance potential, or not enough data.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

M & F Bancorp  (OTCPK:MFBP) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

M & F Bancorp GF Score Related Terms

MFBP vs FUSB, PBKC, CULL: GF Score Comparison

For the Banks - Regional subindustry, M & F Bancorp's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry

For the Banks industry and Financial Services sector, M & F Bancorp's GF Score distribution charts can be found below:

* The bar in red indicates where M & F Bancorp's GF Score falls into.


MFBP
45GF Score
M & F Bancorp Inc MFBP
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 45 mean?
M & F Bancorp (MFBP) has a GF Score of 45 as of Jul. 31, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on M & F Bancorp and its competitors. This is 31% below median its historical median of 65.00. Over the past decade, M & F Bancorp's GF Score has ranged from 46.00 to 74.00.
Is M & F Bancorp's GF Score too high?
M & F Bancorp's current GF Score of 45 is 31% below median its 10-year median of 65.00. Over the past 10 years, this metric has ranged from a low of 46.00 to a high of 74.00. 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 GF Score compare to FUSB and PBKC?
M & F Bancorp's GF Score of 45 can be compared against companies in the Banks industry. Historically, M & F Bancorp's own GF Score has ranged from 46.00 to 74.00 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 GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on M & F Bancorp and its competitors. M & F Bancorp's current GF Score is 45, which is 31% below median its own 10-year median of 65.00. 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 $47.40 — trading 148.2% above its estimated fair value. The current GF Score is 45, which is 31% below median its 10-year median of 65.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For M & F Bancorp (MFBP), the current GF Score is 45 as of Jul. 31, 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:

  • GF Score: 45 (31% below median its 10-year median of 65.00)
  • 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

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GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.40
Price
$19.10
GF Value