Stock fact sheet · data as of
Mutual Federal Bancorp, Inc. (MFDB): fair value, margin of safety and Wheel Score
Ticker symbol MFDB · Financial Services · Banks - Regional · United States · Speculative
Is MFDB undervalued?
At 5.57 (close of 5 Nov 2026), MFDB trades 78% over the GLS average fair value of 3.12, with 1 of 5 models above the price. The stock earns none of the Wheel Score's Value points at this price. That is a statement about price against trailing fundamentals, not about the company's prospects - the Wall Street View and the Growth tab on the Quote page carry the forward numbers.
There is a wide gap between EPV (1.14) and Graham Growth (5.88). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files MFDB under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for MFDB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 3.38 | -39% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 5.88 | +6% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.57 | -54% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2.64 | -53% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 1.14 | -80% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -21.72 | -490% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Mutual Federal Bancorp, Inc. scores only 2 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 2.2/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 1.0%, ROE 2.1%, ROA 0.3% - with debt at 1.10 times equity and negative free cash flow.
Mutual Federal Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 2 / 9 | ROIC | 1.0% |
|---|---|---|---|
| GLS Moat | 2.2 / 10 | ROE | 2.1% |
| Debt / equity | 1.10 | ROA | 0.3% |
| Free-cash-flow yield | -1.3% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 11: No options
No options are listed on Mutual Federal Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 11, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $19M, with a beta of -0.14 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Fails | trades 78% above our fair value |
| 4 | Financially healthy | Fails | Piotroski 2/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $19M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 78% above fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 2.2/10 | |
| Health | Weak | Piotroski 2/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.14, $19M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for MFDB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Mutual Federal Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| TDCB Third Century Bancorp | 15.48 | 24.45 | +37% | 32No options | $18M |
| CRZY Crazy Woman Creek Bancorp Incorporated | 36.00 | 64.46 | +44% | 34No options | $19M |
| TCNB Town Center Bank | 7.55 | 18.78 | +60% | 30No options | $18M |
| JTNB JTNB Bancorp, Inc. | 21.15 | 56.50 | +63% | 31No options | $20M |
| FIDS FNB, Inc. | 25.53 | 36.39 | +30% | 28No options | $17M |
| CAIB California International Bank, N.A. | 0.1000 | 0.2122 | +53% | 29No options | $17M |
| SICP Silvergate Capital Corporation | 0.6400 | 71.24 | +99% | 27No options | $20M |
| MSBB Mercer Bancorp, Inc. | 20.00 | 7,153.61 | +100% | 35No options | $20M |
| UNTN United Tennessee Bankshares, Inc. | 27.56 | 38.01 | +27% | 31No options | $20M |
| TBBA TEB Bancorp, Inc | 7.85 | 6.65 | -18% | 13No options | $21M |
| CCYY CCCB Bancorp Inc. | 12.44 | 5.43 | -129% | 15No options | $21M |
| CBHC CBC Holding Company | 28.40 | 4.00 | -609% | 18No options | $21M |
⚖ Compare MFDB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about MFDB
Is MFDB undervalued right now?
No: at 5.57 the stock trades 78% above the GLS average fair value of 3.12 (data as of 5 Nov 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of MFDB and what does it mean?
MFDB has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for MFDB?
3.12 per share as of 5 Nov 2026 - the simple average of the 5 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Mutual Federal Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for MFDB in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does MFDB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on MFDB, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.