` Comparison: MFBP, MTB - Alpha Spread

MFBP
vs
MTB

Over the past 12 months, MFBP has underperformed MTB, delivering a return of 0% compared to the MTB's +9% growth.

Valuation Growth Profitability Solvency Stocks Performance
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MFBP
MTB
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Stocks Compared:
MFBP MTB
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Valuation Comparison

MFBP Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
M&F Bancorp Inc
OTC:MFBP
18.99 USD
M&T Bank Corp
NYSE:MTB
205.82 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
MFBP, MTB

MFBP
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
M&F Bancorp Inc
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
MFBP, MTB

MFBP
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
M&F Bancorp Inc
OTC:MFBP
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

MFBP
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
M&F Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

MFBP
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
M&F Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

MFBP
-0.6%
MTB
27.3%
LTM 3Y Avg 5Y Avg 10Y Avg
M&F Bancorp Inc
M&T Bank Corp

FCF Margin

MFBP
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
M&F Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

MFBP
-0.2%
MTB
9.1%
LTM 3Y Avg 5Y Avg 10Y Avg
M&F Bancorp Inc
M&T Bank Corp

ROA

MFBP
0%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
M&F Bancorp Inc
M&T Bank Corp

ROIC

MFBP
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
M&F Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

MFBP
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
M&F Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
MFBP, MTB

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MFBP
MTB
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Performance Gap
MFBP, MTB

Performance Gap Between MFBP and MTB
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Performance By Year
MFBP, MTB

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MFBP
MTB
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