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M&F Bancorp, Inc (MFBP) Fair Value & Analysis

Financial Services · US · Market cap $55.1M

Price$29.01
Fair Value$28.88
Upside-0.4%
Quality95/100
Evidence: High Range $21.66 – $36.10

Fair value as of: Jun 26, 2026

Analysis

M&F Bancorp, Inc (MFBP) currently trades at $29.01, while our model-based Fair Value estimate is $28.88 — implying the stock looks roughly 0.4% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

M&F Bancorp, Inc. operates as the bank holding company for Mechanics and Farmers Bank that provides consumer and commercial banking products and services in North Carolina. It offers personal and business checking and savings, health savings, investment, individual retirement, and money market accounts, as well as certificates of deposit; home equity line of credit; payments and cash management solutions; and online and mobile banking services. The company also provides personal unsecured loans, personal unsecured line of credit, secured personal loans and lines of credit, and auto loans; and business and small business administration loans, as well as credit cards. In addition, it offers wealth management, college savings planning, eldercare financial planning, financial planning, insurance planning, investments and brokerage accounts, and retirement income planning services. The company was founded in 1907 and is headquartered in Durham, North Carolina.

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Frequently asked questions

Is M&F Bancorp, Inc (MFBP) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $28.88 versus a price of $29.01 — about −0% (overvalued). Model-based estimate, not financial advice.
What is the fair value of MFBP?
Our 21-model fair value for M&F Bancorp, Inc is $28.88 (as of Jun 26, 2026), built from audited fundamentals. The current price is $29.01.
What is the quality score of MFBP?
M&F Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.