M&F Bancorp Inc

M&F Bancorp Inc has a total equity of $37.18 million and total liabilities of $252.03 million, resulting in a debt-to-equity ratio of 0.02, which is significantly lower than the industry median of 0.50. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. The operating cash flow of $1.11 million supports its liquidity, but the negative net cash position indicates potential short-term liquidity constraints.

The company's profitability is modest, with a return on equity (ROE) of 0.0061, which is below the industry median of 0.08. The net income of $228,000 on revenue of $2.67 million suggests a net margin of 8.54%, which is lower than the industry median of 12.0%. The company's earnings per share (EPS) of $0.46 is in line with its reported net income and shares outstanding.

M&F Bancorp Inc's revenue is concentrated in a single segment, as disclosed in its financial statements, with no geographic diversification provided in the available data. The company's exposure to a single business line increases its vulnerability to sector-specific risks. No material geographic revenue breakdown is available in the provided data.

The company's growth trajectory is not clearly defined in the available data. The outlook for the current fiscal year does not include specific revenue growth projections, and no forward-looking guidance is provided for the next fiscal year. The capital expenditure of -$206,000 indicates a reduction in capital spending, which may reflect a conservative approach to investment.

The risk assessment indicates a medium liquidity risk and a low dilution risk. The company's dilution potential is minimal, with no significant dilution sources identified in the available data. The risk assessment does not identify any major dilution events in the near term, and the company's capital structure appears to be stable.

Recent events and filings do not include any material changes in the company's operations or financial position. The company's 10-K filing does not disclose any significant legal or regulatory issues, and no recent earnings call transcripts are available to provide additional insight into management's outlook.

Revenue surged 115.1% year-over-year to $19.7 million, demonstrating strong top-line growth momentum.

Net income jumped 354.3% to $4.8 million, indicating significant profitability expansion in the latest period.

Total assets grew 69.9% year-over-year to $525 million, reflecting substantial balance sheet expansion.

Equity increased 445.9% year-over-year to $128.1 million, highlighting robust capital accumulation capabilities.

Cash conversion ratio of 4.86 ranks best-in-class among peers, signaling superior cash generation efficiency.

Return on equity of 0.61% falls in the bottom quartile, significantly underperforming the 6.17% median.

Free cash flow declined to $1.3 million, down from $4.5 million in the prior fiscal year.

Medium liquidity risk flags potential challenges in meeting short-term obligations or funding needs.

Long-term debt increased to $24,000 from $30,000 previously, though leverage remains low at 0.02.

Revenue $2.7M; Net margin 8.5%.

• ▍Revenue $2.7M
• ▍Net margin 8.5%

Revenue $19.1M, +28,4% YoY; Net income +26,2% YoY.

• ▍Revenue $19.1M, +28,4% YoY
• ▍Net income +26,2% YoY
• ▍Free cash flow +24,1% YoY
• ▍Net margin 29.8%

Revenue $14.9M, +32,1% YoY; Net income +62,1% YoY.

• ▍Revenue $14.9M, +32,1% YoY
• ▍Net income +62,1% YoY
• ▍Free cash flow +30,1% YoY
• ▍Net margin 30.3%

Revenue $11.3M, +23,0% YoY; Net income +165,1% YoY.

• ▍Revenue $11.3M, +23,0% YoY
• ▍Net income +165,1% YoY
• ▍Free cash flow +159,9% YoY
• ▍Net margin 24.7%