MFDB (Mutual Federal Bancorp) ROE % Adjusted to Book Value: 4.38% (As of Dec. 2025)

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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.

MFDB Mutual Federal Bancorp Inc MFDB
39 GF Score
Price $5.95
GF Value $1.93
! 6 Warning Signs
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What is Mutual Federal Bancorp ROE % Adjusted to Book Value?

Mutual Federal Bancorp MFDB +22.68% 39 ROE % Adjusted to Book Value is 4.38% as of Dec. 2025. GuruFocus rates MFDB with a GF Score™ of 39/100 and a GF Value™ of $1.93. The stock has 6 warning signs investors should review.

Mutual Federal Bancorp's ROE % for the quarter that ended in Dec. 2025 was 2.10%. Mutual Federal Bancorp's PB Ratio for the quarter that ended in Dec. 2025 was 0.48. Mutual Federal Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 4.38%.


Mutual Federal Bancorp ROE % Adjusted to Book Value Related Terms


Mutual Federal Bancorp ROE % Adjusted to Book Value Historical Data

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The historical data trend for Mutual Federal Bancorp's ROE % Adjusted to Book Value 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.

Mutual Federal Bancorp ROE % Adjusted to Book Value Chart

Mutual Federal Bancorp Annual Data
Trend Dec06 Dec07 Dec08 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.07 -2.36 -4.97 -3.25 4.38

Mutual Federal Bancorp Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.07 -2.36 -4.97 -3.25 4.38

MFDB vs MSBB, LOGN, UNTN: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Mutual Federal Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Mutual Federal Bancorp ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Mutual Federal Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Mutual Federal Bancorp's ROE % Adjusted to Book Value falls into.


MFDB
39GF Score
Mutual Federal Bancorp Inc MFDB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Mutual Federal Bancorp ROE % Adjusted to Book Value Calculation

Mutual Federal Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=2.10% / 0.48
=4.38%

Mutual Federal Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=2.10% / 0.48
=4.38%

* 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.

What does a ROE % Adjusted to Book Value of 4.38% mean?
Mutual Federal Bancorp (MFDB) has a ROE % Adjusted to Book Value of 4.38% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Mutual Federal Bancorp and its competitors.
Is Mutual Federal Bancorp's ROE % Adjusted to Book Value too high?
Mutual Federal Bancorp's current ROE % Adjusted to Book Value is 4.38%. Overall, Mutual Federal Bancorp has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Mutual Federal Bancorp's ROE % Adjusted to Book Value compare to MSBB and LOGN?
Mutual Federal Bancorp's ROE % Adjusted to Book Value of 4.38% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Mutual Federal Bancorp and its competitors. Mutual Federal Bancorp's current ROE % Adjusted to Book Value is 4.38%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mutual Federal Bancorp stock overvalued right now?
Mutual Federal Bancorp (MFDB) has a current ROE % Adjusted to Book Value of 4.38%. The stock's GF Value™ is $1.93, compared to a current price of $5.95 — trading 208.3% above its estimated fair value. The current ROE % Adjusted to Book Value is 4.38%. Mutual Federal Bancorp's overall GF Score™ is 39/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Mutual Federal Bancorp (MFDB), the current ROE % Adjusted to Book Value is 4.38% as of Dec. 2025. 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 Mutual Federal Bancorp (MFDB) Overvalued in 2026?

Based on GuruFocus' analysis, Mutual Federal Bancorp stock appears to be overvalued. The current stock price of $5.95 is trading 208.3% above its estimated GF Value™ of $1.93.

Key valuation signals for MFDB:

  • ROE % Adjusted to Book Value: 4.38%
  • GF Value™: $1.93 vs. price of $5.95 (208.3% above fair value)
  • GF Score™: 39/100 with 6 warning signs

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


Mutual Federal Bancorp Business Description

Address 2212 West Cermak Road, Chicago, IL, USA, 60608
Mutual Federal Bancorp Inc is engaged in providing financial services. The Company's primary deposit products are checking, savings, money market, and certificate of deposit accounts, and its primary lending products are residential & commercial mortgage loans, and commercial business loans.
39GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.95
Price
$1.93
GF Value