Mutual Federal Bancorp Inc (MFDB) fair value: what the stock is really worth
We calculate from audited financials what Mutual Federal Bancorp Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 12, 2026.
How to read this chart
60‑month range $1.25 – $6.75 · fair‑value band $2.36 – $4.73 · the $6.35 price screens above the $3.17 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 12, 2026.
Mutual Federal Bancorp, Inc. operates as the holding company for Mutual Federal Bank that provides various financial products and services in the United States. 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.
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Mutual Federal Bancorp, Inc. operates as the holding company for Mutual Federal Bank that provides various financial products and services in the United States. 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 $6.35, while our model-based Fair Value estimate is $3.17, implying the stock looks roughly 100.3% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $3.21 per share, and 0 of the 3 models we run sit above the $6.35 price.
Bear case: the Dividend Discount group reads lowest at $0.3800, and 3 of the 3 models stay below the price. Evidence for this calculation is low.
Scenario range: $2.36 (bear) to $4.73 (bull), the price of $6.35 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 28/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak, negative or inconsistent.
Mutual Federal Bancorp Inc reported revenue of $4.9M in FY2024 versus $11.8M in FY2020, a compound −19.6%/yr. Reported net income was −$330K in FY2024.
Key figures
Market cap $23.1M · P/S ratio 33.7 · EPS (TTM) $−0.1000 · Dividend yield 0.8% · Net margin −6.7% · Return on equity −6.8% · Return on assets (EBIT) 0.2% · Operating margin −383%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).
What moves the price
The share trades about 6% below its 52-week high and 176% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at −50%, MFDB screens richer than that median.
Fair Value models
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.
Mutual Federal Bancorp Inc reported revenue of $4.9M in FY2024 versus $11.8M in FY2020, a compound −19.6%/yr. Reported net income was −$330K in FY2024.
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.0/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2024)
$4.9M
Latest YoY
−20.9%
Avg. revenue growth/yr (3Y) ⓘ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.
−16.7%
Avg. revenue growth/yr (5Y) ⓘ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.
−5.1%
Avg. revenue growth/yr (21Y) ⓘ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.
+1.2%
EBIT margin (trend) ⓘ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.
3.7% (2019) → −6.7% (2024)
Value creation/yr ⓘWe only publish this rate when it is defensible. Reason: fiscal 2024 is a loss year, no rate is defined from a loss
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
This stockSector peers
VALUE0· sector 33
FUTURE0· sector 44
PAST0· sector 41
HEALTH0· sector 85
DIVIDEND15· sector 51
VALUE 0: the price sits above our fair-value range.
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
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Is Mutual Federal Bancorp Inc (MFDB) overvalued or undervalued?
As of Sep 12, 2026, our model estimates a fair value of $3.17 versus a price of $6.35, about −50% upside (overvalued).
What is the fair value of MFDB?
Our model-based fair value for Mutual Federal Bancorp Inc is $3.17 (as of Sep 12, 2026), built from audited fundamentals. The current price: $6.35.
What is the quality score of MFDB?
Mutual Federal Bancorp Inc has a Quality Score of 28/100. 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 $3.17 (as of Sep 12, 2026) from 3 valuation models. Cautious scenario $2.36, optimistic scenario $4.73. 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 $3.17, about −50% upside versus a price of $6.35 (overvalued). Cautious scenario $2.36, optimistic scenario $4.73. The calculation is refreshed regularly with new filings.
Does Mutual Federal Bancorp Inc pay a dividend?
Mutual Federal Bancorp Inc currently shows a dividend yield of about 0.76% relative to its recent price (as of Sep 12, 2026).
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 $3.17 per share (as of Sep 12, 2026), against a price of $6.35. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Mutual Federal Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 12, 2026, MFDB trades above its calculated fair value: price $6.35, fair value $3.17, a gap of about −50% (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 ($6.35); the fair value is what the company's own numbers justify ($3.17). For Mutual Federal Bancorp Inc the two are $3.18 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 $23.1M (market capitalisation, as of Sep 12, 2026). Per share that is $6.35; our models calculate a fair value of $3.17 per share.
What do the bullish and bearish scenarios say about MFDB?
Our models span a range for Mutual Federal Bancorp Inc: cautious scenario $2.36, base $3.17, optimistic $4.73 per share (as of Sep 12, 2026, price $6.35). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Mutual Federal Bancorp Inc (MFDB)?
Balance-sheet figures for Mutual Federal Bancorp Inc (as of Sep 12, 2026): return on equity −6.8%. They feed the Quality Score of 28/100, which measures business quality independently of the share price.
How far is MFDB from its 52-week high?
Mutual Federal Bancorp Inc trades at $6.35, about 6% below its 52-week high of $6.75 and 176% above the low of $2.30 (as of Sep 12, 2026). Distance from the high says nothing about value: that is what the fair value of $3.17 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, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 12, 2026: price $6.35, calculated fair value $3.17 (−50%), Quality Score 28/100, from 3 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 3 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 $3.17, 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 31.6 % 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 <a href="/is-it-worth-investing-now/">is it worth investing now</a>.
What should I pay attention to with Mutual Federal Bancorp Inc right now?
The price sits above even our optimistic bull case ($4.73). The favourable scenario is already priced in. Weak quality (28/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($2.36 to $4.73) leaves room in how you read the outcome.
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