Head to Head Analysis: M&F Bancorp (MFBP) versus Its Competitors

Dividends

M&F Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. M&F Bancorp pays out 12.1% of its earnings in the form of a dividend. As a group, “BANKS – SOUTHEAST” companies pay a dividend yield of 2.0% and pay out 24.3% of their earnings in the form of a dividend.

Profitability

This table compares M&F Bancorp and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
M&F Bancorp	N/A	N/A	N/A
M&F Bancorp Competitors	15.74%	9.70%	1.04%

Volatility & Risk

M&F Bancorp has a beta of -0.63, meaning that its stock price is 163% less volatile than the S&P 500. Comparatively, M&F Bancorp’s competitors have a beta of 0.58, meaning that their average stock price is 42% less volatile than the S&P 500.

Insider and Institutional Ownership

50.4% of shares of all “BANKS – SOUTHEAST” companies are owned by institutional investors. 2.9% of M&F Bancorp shares are owned by company insiders. Comparatively, 12.8% of shares of all “BANKS – SOUTHEAST” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares M&F Bancorp and its competitors revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
M&F Bancorp	$29.33 million	$4.77 million	9.34
M&F Bancorp Competitors	$868.71 million	$154.64 million	13.77

M&F Bancorp’s competitors have higher revenue and earnings than M&F Bancorp. M&F Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Summary

M&F Bancorp competitors beat M&F Bancorp on 10 of the 11 factors compared.

M&F Bancorp Company Profile

M&F Bancorp, Inc. operates as a bank holding company for the Mechanics and Farmers Bank that provides consumer and commercial banking products and services in North Carolina. It offers deposit products, including demand deposits; checking, savings, and money market accounts, as well as certificates of deposit. The company provides loans for commercial and residential real estate, and construction; and consumer and other loans; as well as ATM services. M&F Bancorp, Inc. was founded in 1907 and is headquartered in Durham, North Carolina.