Financials in USD. Standardized financial statements.
A compact view of how M&F Bancorp, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $29.68M | $28.95M | $25.59M | $19.45M | $14.91M | $12.76M | $12.50M | $11.70M | $11.09M | $11.50M |
| Revenue Growth? | +2.5% | +13.2% | +31.6% | +30.5% | +16.9% | +2.1% | +6.8% | +5.5% | -3.6% | 0.0% |
| Cost of Revenue? | $6.60M | $5.17M | $1.66M | $359,000 | $332,000 | $958,000 | $1.66M | $0 | $0 | $0 |
| Gross Profit? | $23.08M | $23.79M | $23.93M | $19.09M | $14.57M | $11.80M | $10.84M | $11.70M | $11.09M | $11.50M |
| Gross Margin? | +77.8% | +82.2% | +93.5% | +98.2% | +97.8% | +92.5% | +86.7% | +100.0% | +100.0% | +100.0% |
| Operating Expenses? | $17.63M | $17.82M | $16.64M | $13.36M | $10.97M | $10.46M | $9.53M | $3.53M | $3.81M | $5.21M |
| Operating Income? | $5.46M | $5.97M | $7.29M | $5.73M | $3.61M | $1.34M | $1.31M | $750,000 | -$570,000 | -$4.84M |
| EBITDA? | $5.46M | $6.30M | $7.63M | $6.13M | $4.05M | $1.76M | $1.66M | $875,000 | -$564,000 | -$5.87M |
| Income Before Tax | $5.46M | $5.97M | $7.29M | $5.73M | $3.61M | $1.34M | $1.31M | $575,000 | -$970,000 | -$6.27M |
| Income Tax Expense | $1.15M | $1.20M | $1.60M | $1.22M | $826,000 | $294,000 | $304,000 | $109,000 | $1.62M | -$2.33M |
| Net Income? | $4.30M | $4.77M | $5.70M | $4.51M | $2.78M | $1.05M | $1.01M | $466,000 | -$2.59M | -$3.94M |
| EPS? | $1.20 | $1.83 | $2.75 | $2.19 | $1.36 | $0.52 | $0.50 | $0.23 | $-1.28 | $-1.94 |
| Diluted EPS? | $1.19 | $1.81 | $2.72 | $2.18 | $1.36 | $0.52 | $0.50 | $0.23 | $-1.28 | $-1.94 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality