MFBP (M & F Bancorp) Tariff Resilience Score: 9/10 (As of Jul. 31, 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 Tariff Resilience Score?

M & F Bancorp MFBP -0.84% 45 Tariff Resilience Score is 9 as of Jul. 31, 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 1,606 Banks companies, M & F Bancorp ranks better than 99.32% on this metric.

M & F Bancorp has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

M & F Bancorp has M & F Bancorp is a community bank with operations concentrated in the U.S. It has limited exposure to international trade, making it resilient to tariff changes. Its revenue is largely unaffected by global supply chain disruptions.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes M & F Bancorp might have Highly Resilient.

M & F Bancorp  (OTCPK:MFBP) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

M & F Bancorp Tariff Resilience Score Related Terms

MFBP vs FUSB, PBKC, CULL: Tariff Resilience Score Comparison

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

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

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


MFBP
45GF Score
M & F Bancorp Inc MFBP
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
M & F Bancorp (MFBP) has a Tariff Resilience Score of 9 as of Jul. 31, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, M & F Bancorp ranks #11 out of 1606 companies in the Banks industry, placing it in the top 0.7%.
Is M & F Bancorp's Tariff Resilience Score too high?
M & F Bancorp's current Tariff Resilience Score is 9. Based on the distribution chart, M & F Bancorp ranks #11 out of 1606 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to FUSB and PBKC?
According to the Banks industry distribution chart, M & F Bancorp ranks #11 out of 1606 companies for Tariff Resilience Score. This places M & F Bancorp in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. M & F Bancorp's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For M & F Bancorp (MFBP), the current Tariff Resilience Score is 9 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:

  • Tariff Resilience Score: 9
  • 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.40
Price
$19.10
GF Value