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Mutual Federal Bancorp Inc (MFDB) fair value: what the stock is really worth
As of Oct 23, 2026: fair value (intrinsic value) of Mutual Federal Bancorp Inc stock $4.10, price $5.53, upside -25.9%, quality 46 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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MF
Thin data
Oct 24, 2026
Thin data
Oct 24, 2026
Mutual Federal Bancorp Inc
MFDB · USWeak valuationQuality is weak on top of the rich price.
Our calculation puts a fair price 26% below what the stock costs today.
Quality 46/100
Thin margins · 6.5% net margin (FY2025)
Fair value $4.10 · Overvalued (−25.9%)
Weak Growth (revenue 5y −15.0 %/yr in USD)
Negative free cash flow
Trails peers (0/7)
Narrow moat 19/100
Thin data
⚠ Thinly traded
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 24, 2026.
How to read this chart
60‑month range $1.25 – $6.75 · fair‑value band $3.07 – $5.12 · the $5.53 price screens above the $4.10 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Oct 24, 2026.
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Company profile
Mutual Federal Bancorp, Inc. operates as the holding company for Mutual Federal Bank that provides various financial products and services in the United States.
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It accepts various deposit products, such as checking, savings, money market, certificates of deposit, and individual retirement accounts; and offers mortgage and home equity loans. The company was founded in 1905 and is based in Chicago, Illinois.
Mutual Federal Bancorp, Inc. operates as a subsidiary of Mutual Federal Bancorp, MHC.
Stock analysis
Mutual Federal Bancorp Inc (MFDB) currently trades at $5.53, while our model-based Fair Value estimate is $4.10, 25.9% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $3.34 per share, and 1 of the 4 models we run sit above the $5.53 price.
Bear case: the Multiples group reads lowest at $1.34, and 3 of the 4 models stay below the price. Data coverage for this calculation is low.
Scenario range: $3.07 (bear) to $5.12 (bull), the price of $5.53 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Mutual Federal Bancorp Inc reported revenue of $5.2M in FY2025 versus $8.5M in FY2021, a compound −11.5%/yr. Reported net income was $338K in FY2025, compounding −1.2%/yr from FY2021.
Key figures
Market cap $19.0M Micro · P/E ratio 55.3 · P/S ratio 3.58 · EPS (TTM) $0.1000 · Net margin 6.5% · Return on equity −6.8% · Return on assets (EBIT) 0.0% · Operating margin −383%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 19 out of 100 (medium confidence).
What moves the price
The share trades about 18% below its 52-week high and 343% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −26%, MFDB screens cheaper than that median.
Fair Value models
Bear $3.07
Fair Value $4.10
Bull $5.12
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.0822 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income
$3.46
$3.34
$3.31
71
P/E Multiple
$1.00
$1.34
$1.67
63
P/B Multiple
$5.14
$6.85
$8.57
55
All 4 models by family
Multiples
P/E Multiple
$1.00
$1.34
$1.67
63
P/B Multiple
$5.14
$6.85
$8.57
55
Asset-Based
NCAV (Graham)
$2.45
$3.28
$4.90
51
Economic Profit
Residual Income
$3.46
$3.34
$3.31
71
Quality Score breakdown
Overall quality
46/100
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Profitability
17
How much profit the company makes from its sales and capital
Quality Growth
63
Are margins and returns getting better?
Cashflow
5
Do the profits arrive as real cash?
Financial strength
29
Debt, balance sheet and risk of trouble
Investment
99
Does it invest with discipline instead of growing at any price?
Low Volatility
50
How calm the share price moves, does not count
Momentum
80
Price trend of the last 3 to 12 months, does not count
Near the 52-week high
89
Distance to the 52-week high, does not count
New shares
87
Buys back shares or issues new ones?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
12/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+6.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−10.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−15.0%
Start year 2020 (pandemic)
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.4%
’04
’05
’06
’07
’08
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−1.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.6%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.11% → 7%
⚠ Revenue per share shrinking 24.1%/yr over ~20Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
MFDB screens overvalued: fair value 26% below the price. Compare with DBS Group →
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1063 stocks
Beats the industry median on 0/6 measures
Overall it trails its industry peers.
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| China Merchants Bank Co 600036 | ¥42.50 | ¥52.73 | +24% | vs MFDB |
| BNP Paribas SA BNP | €85.55 | €106.06 | +24% | vs MFDB |
| UniCredit S.p.A UCG | €72.04 | €77.12 | +7% | vs MFDB |
| Itaú Unibanco Holding ITUB | $9.67 | $7.50 | −22% | vs MFDB |
| Mizuho Financial Group MFG | $9.51 | $6.85 | −28% | vs MFDB |
| Intesa Sanpaolo S.p.A ISP | €5.86 | €4.06 | −31% | vs MFDB |
| Oversea-Chinese Banking Corporation O39 | 29.14 SGD | 19.78 SGD | −32% | vs MFDB |
| HDFC Bank Limited HDFCBANK | ₹688.05 | ₹406.39 | −41% | vs MFDB |
| DBS Group D05 | 74.21 SGD | 40.39 SGD | −46% | vs MFDB |
| ICICI Bank Limited ICICIBANK | ₹1,394 | ₹615.63 | −56% | vs MFDB |
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Frequently asked questions
Is Mutual Federal Bancorp Inc (MFDB) overvalued or undervalued?
As of Oct 24, 2026, our model estimates a fair value of $4.10 versus a price of $5.53, about −26% upside (overvalued).
What is the fair value of MFDB?
Our model-based fair value for Mutual Federal Bancorp Inc is $4.10 (as of Oct 24, 2026), built from audited fundamentals. The current price: $5.53.
What is the quality score of MFDB?
Mutual Federal Bancorp Inc has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Mutual Federal Bancorp Inc (MFDB)?
Our model-based price target is the fair value of $4.10 (as of Oct 24, 2026) from 4 valuation models. Cautious scenario $3.07, optimistic scenario $5.12. It is a calculation from audited fundamentals, not an analyst target.
What is the Mutual Federal Bancorp Inc stock forecast for 2026?
Our models put fair value at $4.10, about −26% upside versus a price of $5.53 (overvalued). Cautious scenario $3.07, optimistic scenario $5.12. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Mutual Federal Bancorp Inc (MFDB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Mutual Federal Bancorp Inc it is $4.10 per share (as of Oct 24, 2026), against a price of $5.53. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Mutual Federal Bancorp Inc stock overvalued or undervalued in 2026?
As of Oct 24, 2026, MFDB trades above its calculated fair value: price $5.53, fair value $4.10, a gap of about −26% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MFDB?
No. The price is what the market pays today ($5.53); the fair value is what the company's own numbers justify ($4.10). For Mutual Federal Bancorp Inc the two are $1.43 per share apart. That gap is exactly why we show both numbers side by side.
How much is Mutual Federal Bancorp Inc worth?
The market values Mutual Federal Bancorp Inc at about $19.0M (market capitalisation, as of Oct 24, 2026). Per share that is $5.53; our models calculate a fair value of $4.10 per share.
What do the bullish and bearish scenarios say about MFDB?
Our models span a range for Mutual Federal Bancorp Inc: cautious scenario $3.07, base $4.10, optimistic $5.12 per share (as of Oct 24, 2026, price $5.53). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MFDB?
Mutual Federal Bancorp Inc trades at a price-to-earnings ratio of 55.3 (as of Oct 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $4.10 is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2006 to 2025), reported earnings: 37.7.
How solid is the balance sheet of Mutual Federal Bancorp Inc (MFDB)?
Balance-sheet figures for Mutual Federal Bancorp Inc (as of Oct 24, 2026): return on equity −6.8%. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is MFDB from its 52-week high?
Mutual Federal Bancorp Inc trades at $5.53, about 18% below its 52-week high of $6.75 and 343% above the low of $1.25 (as of Oct 23, 2026). Distance from the high says nothing about value: that is what the fair value of $4.10 is for.
Which stocks are comparable to Mutual Federal Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Mutual Federal Bancorp Inc stock attractive at the current price?
The data as of Oct 24, 2026: price $5.53, calculated fair value $4.10 (−26%), Quality Score 46/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MFDB calculated?
We run Mutual Federal Bancorp Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $4.10, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.7 % above its aggregate fair value. Mutual Federal Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Mutual Federal Bancorp Inc (MFDB)?
The closing price on Oct 23, 2026 was $5.53. Our model-based fair value is $4.10, about −26% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Mutual Federal Bancorp Inc right now?
The price sits above even our optimistic bull case ($5.12). The favourable scenario is already priced in. Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Mutual Federal Bancorp Inc
How large is the market capitalisation of Mutual Federal Bancorp Inc (MFDB)?
The market capitalisation of Mutual Federal Bancorp Inc is $19.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Mutual Federal Bancorp Inc (MFDB)?
The price-to-sales ratio of Mutual Federal Bancorp Inc is 3.58 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Mutual Federal Bancorp Inc (MFDB)?
Earnings per share at Mutual Federal Bancorp Inc are $0.1000 (price ÷ EPS = P/E 55.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Mutual Federal Bancorp Inc (MFDB)?
The net margin of Mutual Federal Bancorp Inc is 6.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Mutual Federal Bancorp Inc (MFDB)?
The return on equity (ROE) of Mutual Federal Bancorp Inc is −6.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Mutual Federal Bancorp Inc (MFDB)?
On an EBIT basis the return on assets of Mutual Federal Bancorp Inc is 0.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Mutual Federal Bancorp Inc (MFDB)?
The operating margin of Mutual Federal Bancorp Inc is −383% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much free cash flow does Mutual Federal Bancorp Inc (MFDB) generate?
The free cash flow of Mutual Federal Bancorp Inc is −$235K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Mutual Federal Bancorp Inc (MFDB) carry?
The net debt of Mutual Federal Bancorp Inc is $9.5M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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