Mutual Federal Bancorp, Inc. (MFDB) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 62.40 means the share price is 62.40 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $20.8M is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gpt-4o-mini, generated Jun 14, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerMutual Federal Bancorp, Inc. (MFDB) trades at $6.24. Mutual Federal Bancorp, Inc. (MFDB) is a financial services holding company based in Chicago, specializing in various banking products through its subsidiary, Mutual Federal Bank. Market cap: $20.8M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for MFDB: MFDB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates MFDB against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
MFDB: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Mutual Federal Bancorp, Inc. (MFDB) Financial Services Profile
Mutual Federal Bancorp, Inc. is a regional financial services provider offering a range of banking products, including deposit accounts and loans, with a long-standing presence in the Chicago market since its founding in 1905.
What Is the Investment Thesis for MFDB?
Mutual Federal Bancorp, Inc. presents a unique investment thesis driven by its established presence in the Chicago banking market and a diversified range of financial products. Despite a current profit margin of -6.7%, the company maintains a gross margin of 65.0%, indicating strong potential for operational efficiency improvements. The bank's focus on deposit products and mortgage lending aligns with increasing consumer demand for home financing solutions, particularly as interest rates stabilize. As the regional banking sector continues to recover post-pandemic, Mutual Federal Bancorp could benefit from a resurgence in loan demand and deposit growth. Additionally, the absence of a dividend yield allows for reinvestment into growth initiatives, which could enhance long-term value creation. The company's relatively low beta of -0.72 suggests lower volatility compared to the broader market, making it a stable option for cautious investors.
Based on FMP financials and quantitative analysis
MFDB Key Highlights
Market capitalization of $20.8M reflects its position as a small regional bank.
- Profit margin of -6.7% indicates current challenges but potential for recovery.
- Gross margin of 65.0% suggests strong operational efficiency relative to peers.
- Low beta of -0.72 indicates lower volatility compared to the market.
- No dividend yield allows for reinvestment into growth opportunities.
Who Are MFDB's Competitors?
MFDB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| FHN First Horizon Corporation | $24.76 | +0.73% | $11.8B | 895-pillar |
| WSBC WesBanco, Inc. | $39.89 | -0.89% | $3.83B | 955-pillar |
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
| BPRN Princeton Bancorp, Inc. | $43.64 | +0.11% | $297M | 905-pillar |
| CFFI C&F Financial Corporation | $94.46 | +0.90% | $307M | 915-pillar |
| NECB Northeast Community Bancorp, Inc. | $26.95 | +0.60% | $372M | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MFDB's Key Strengths?
Long-standing reputation in the community.
- Diverse product offerings catering to various customer needs.
- Strong operational efficiency reflected in gross margins.
- Personalized customer service model.
What Are MFDB's Weaknesses?
Small employee base limiting scalability.
- Negative profit margin indicating current financial challenges.
- Limited geographic presence compared to larger competitors.
- Dependency on local economic conditions.
What Could Drive MFDB Stock Higher?
Expansion of digital banking services to attract new customers.
- Focus on improving operational efficiency to enhance profitability.
- Development of new mortgage products to meet market demand.
- Potential partnerships with local businesses for co-branded products.
- Community engagement initiatives to strengthen customer loyalty.
What Are the Key Risks for MFDB?
Financial-distress signal — its Altman Z-Score of -0.02 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Rich valuation — a P/E of 62.40 runs well above the Financial Services sector’s ~17.50x, leaving little room for a miss.
- Economic downturns affecting loan demand and deposit growth.
- Intense competition from larger regional banks impacting market share.
- Regulatory changes that could affect operational practices.
- Dependence on local economic conditions for business performance.
What Are the Growth Opportunities for MFDB?
- Growth opportunity 1: The increasing demand for home equity loans presents a significant growth opportunity for Mutual Federal Bancorp, Inc. As housing prices continue to rise, homeowners are more likely to seek financing options to leverage their home equity. The home equity loan market is projected to grow at a CAGR of 5% over the next five years, providing a favorable environment for Mutual Federal to expand its loan offerings.
- Growth opportunity 2: Digital banking services are becoming increasingly important in the financial services sector. By enhancing its online banking platform and mobile app, Mutual Federal Bancorp can attract tech-savvy customers and improve operational efficiency. The digital banking market is expected to grow significantly, with a projected CAGR of 10% over the next four years, allowing Mutual Federal to capture a larger share of the market.
- Growth opportunity 3: The expansion of retirement account offerings, such as IRAs and 401(k) plans, can help Mutual Federal Bancorp tap into the growing market of retirement savings. With an aging population and increased focus on retirement planning, the demand for these products is expected to rise. This segment is projected to grow at a CAGR of 7% over the next five years, providing a substantial opportunity for the bank.
- Growth opportunity 4: Partnerships with local businesses for co-branded financial products can enhance Mutual Federal Bancorp's visibility and customer base. By collaborating with local enterprises, the bank can offer tailored financial solutions that meet the specific needs of the community, driving customer loyalty and increasing market penetration.
- Growth opportunity 5: The potential for geographic expansion into neighboring markets could provide Mutual Federal Bancorp with additional revenue streams. By establishing branches or ATMs in underserved areas, the bank can attract new customers and increase its market presence, leveraging its established brand reputation.
What Are MFDB's Competitive Advantages?
- Established brand reputation in the Chicago market since 1905.
- Strong community ties and personalized service model.
- Diverse range of financial products tailored to customer needs.
- Focus on risk management and customer satisfaction.
What Does MFDB Do?
Founded in 1905, Mutual Federal Bancorp, Inc. is the holding company for Mutual Federal Bank, headquartered in Chicago, Illinois. The company has built a robust reputation in the financial services sector, focusing on providing a variety of banking products and services to its customers. As a regional bank, Mutual Federal Bancorp offers a range of deposit products, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Additionally, the bank provides mortgage and home equity loans, catering to both individual and family financial needs. With a small workforce of just 12 employees, the company emphasizes personalized customer service and community engagement, which are essential to its operational ethos. As a subsidiary of Mutual Federal Bancorp, MHC, the company operates under a mutual holding company structure, allowing it to focus on the interests of its depositors and community stakeholders. Over the years, Mutual Federal Bancorp has adapted to changing market conditions and customer demands, positioning itself as a trusted banking partner in the local community.
What Products and Services Does MFDB Offer?
- Operate as the holding company for Mutual Federal Bank.
- Provide a variety of deposit products, including checking and savings accounts.
- Offer home equity loans and mortgages to consumers.
- Focus on personalized customer service and community engagement.
- Adapt to changing market conditions and customer demands.
- Operate under a mutual holding company structure.
How Does MFDB Make Money?
- Generate revenue through interest income from loans and mortgages.
- Earn fees from various banking services and products.
- Focus on attracting deposits to fund lending activities.
- Reinvest earnings into growth initiatives and operational improvements.
What Industry Does MFDB Operate In?
The regional banking industry is experiencing a gradual recovery as economic conditions improve post-pandemic. With a focus on community engagement and personalized service, regional banks like Mutual Federal Bancorp, Inc. are positioned to capture market share from larger institutions. The overall market for regional banks is projected to grow steadily, driven by increased loan demand and consumer confidence. However, competition remains fierce, with many players vying for the same customer base, necessitating a strong value proposition and effective risk management strategies.
Who Are MFDB's Key Customers?
- Individual consumers seeking banking services.
- Homeowners looking for mortgage and home equity loans.
- Local businesses needing financial solutions.
- Community members interested in savings and investment products.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 20 snapshots
| 2026-08-23 | 52 |
| 2026-08-27 | 52 |
| 2026-08-31 | 52 |
| 2026-09-04 | 52 |
| 2026-09-08 | 52 |
| 2026-09-11 | 52 |
What changed?
The score has stayed at 52.
Over the same 19 days the stock moved +212.0%.
Financial Health
Mutual Federal Bancorp, Inc.'s Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.02 places it in the distress zone, a signal of elevated financial risk.
MFDB Valuation & Market Position
With a $20.8M market cap, Mutual Federal Bancorp, Inc. sits in the micro-cap segment of the market.
Key Financial Metrics
Return on equity for Mutual Federal Bancorp, Inc. stands at 2.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.3%, showing how much profit it generates from its asset base. MFDB trades at a trailing price-to-earnings ratio of 62.40, above the Financial Services sector average of ~17.50x. Its free cash flow yield is -1.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.14 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 1.7%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Mutual Federal Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Chicago, United States.
MFDB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing reputation in the community.
- Diverse product offerings catering to various customer needs.
- Strong operational efficiency reflected in gross margins.
- Personalized customer service model.
Bear Case
- Small employee base limiting scalability.
- Negative profit margin indicating current financial challenges.
- Limited geographic presence compared to larger competitors.
- Dependency on local economic conditions.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
MFDB Latest News
No recent news available for MFDB.
MFDB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for MFDB.
Price Targets
Wall Street price target analysis for MFDB.
MFDB MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for MFDB; grades run from A+ (80-100) to F (below 30).
Leadership: Stephen Oksas
CEO
Stephen Oksas has a rich background in banking and financial services, having held various leadership roles prior to becoming CEO of Mutual Federal Bancorp, Inc. He possesses a strong understanding of the financial landscape and has been instrumental in guiding the company through changing market conditions. Oksas holds a degree in finance and has extensive experience in managing banking operations and customer relations.
Track Record: Under Stephen Oksas's leadership, Mutual Federal Bancorp has focused on enhancing customer service and operational efficiency. His strategic decisions have aimed at stabilizing the company's financial performance and exploring growth opportunities within the regional banking sector.
MFDB OTC Market Information
The OTC Other tier represents companies that trade on the over-the-counter market but do not meet the more stringent requirements of major exchanges like NYSE or NASDAQ. This tier includes smaller companies that may have less liquidity and visibility compared to those listed on larger exchanges.
- OTC Tier: OTC Other
- Lower liquidity compared to stocks listed on major exchanges.
- Potential for higher volatility in stock price.
- Limited access to financial information and disclosures.
- Increased risk of fraud and less regulatory oversight.
- Verify the company's financial health through available reports.
- Assess the management team's experience and track record.
- Evaluate the competitive landscape and market position.
- Review customer feedback and community engagement.
- Examine the company's growth strategy and future prospects.
- Established history in the banking sector since 1905.
- Membership in relevant banking associations.
- Positive community reputation and customer testimonials.
Mutual Federal Bancorp, Inc. Financial Services Stock: Key Questions Answered
Is MFDB a good stock?
Stock Expert AI does not rate MFDB buy, sell or hold. Mutual Federal Bancorp, Inc. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What are the main risks for MFDB?
The primary risks for Mutual Federal Bancorp, Inc. include economic downturns that may reduce loan demand and deposit growth, as well as intense competition from larger regional banks that could impact market share.
What are the key factors to evaluate for MFDB?
Evaluate MFDB on fundamentals, analyst consensus, and risk factors. P/E: 62.40x vs the S&P 500's ~20-25x. Mutual Federal Bancorp, Inc. presents a unique investment thesis driven by its established presence in the Chicago banking market and a diversified range of financial products. Not financial advice.
How frequently does MFDB data refresh on this page?
MFDB's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 calculations are scheduled daily at 10:15 UTC; the score's own date shows its last successful run.
What has driven MFDB's recent stock price performance?
Mutual Federal Bancorp, Inc. (MFDB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing reputation in the community. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider MFDB overvalued or undervalued right now?
Mutual Federal Bancorp, Inc. (MFDB) trades at 62.40x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of MFDB?
Yes, most major brokerages offer fractional shares of Mutual Federal Bancorp, Inc. (MFDB) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track MFDB's earnings and financial reports?
Mutual Federal Bancorp, Inc. (MFDB) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for MFDB earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Limited financial disclosures available for public scrutiny.