MFBP (M & F Bancorp) Margin of Safety % (DCF FCF Based): N/A (As of Jul. 31, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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 $47.80
GF Value $19.10
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is M & F Bancorp Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

M & F Bancorp's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

MFBP vs FUSB, PBKC, CULL: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, M & F Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, M & F Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where M & F Bancorp's Margin of Safety % (DCF FCF Based) falls into.


MFBP
45GF Score
M & F Bancorp Inc MFBP
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $19.10 vs. price of $47.80 (150.3% 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

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.80
Price
$19.10
GF Value