Monroe Fed Bancorp Inc (MFBI) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q1 FY2027, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MFBI SEC filings page.
Monroe Fed Bancorp Inc (MFBI) reported $4.2M in revenue for fiscal year 2026, up 3.9% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
A rising interest burden is converting stable revenue into losses while a highly liability-funded balance sheet absorbs cash.
Revenue was broadly stable across FY2024-FY2026 while interest expense rose from$2.0M to$2.4M . That pairing helps explain the shift from a small FY2024 profit to a FY2026 loss, while operating cash flow remained negative in both years: earnings pressure is not merely non-cash.
Liabilities were
FY2026 operating cash flow was
Financial Health Signals
Monroe Fed Bancorp Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Monroe Fed Bancorp Inc passes 2 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
Monroe Fed Bancorp Inc reported a net loss of $515K while operations used $318K of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Monroe Fed Bancorp Inc generated $1.1M in revenue in Q1 2027. This represents an increase of 8.1% from the same quarter a year earlier. Against the prior quarter it is up 3.3%.
Monroe Fed Bancorp Inc reported -$2K in net income in Q1 2027. This represents an increase of 98.9% from the same quarter a year earlier. Against the prior quarter it is up 99.5%.
Not reported for Q1 2027.
Not reported for Q1 2027.
Cash & Balance Sheet
Monroe Fed Bancorp Inc held $2.0M in cash as of Q1 2027; long-term debt is not reported for that period.
Not reported for Q1 2027.
Not reported for Q1 2027.
Margins & Returns
Monroe Fed Bancorp Inc's net profit margin was -0.1% in Q1 2027, showing the share of revenue converted to profit. This is up 13.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 28.9 percentage points.
Monroe Fed Bancorp Inc's ROE was 0.0% in Q1 2027, measuring profit generated per dollar of shareholder equity. This is up 1.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.4 percentage points.
Not reported for Q1 2027.
Not reported for Q1 2027.
Capital Allocation
None of these metrics is reported for Q1 2027.
MFBI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.1M+8.1% | $1.0M+3.9% | $1.1M+4.9% | $1.1M+14.9% | $998K-6.8% | $1.0M-2.2% | $1.0M+5.1% | $929K-7.7% |
| SG&A Expenses | $537K-1.0% | $599K+12.3% | $540K+1.6% | $533K-3.5% | $542K-1.7% | $533K+2.2% | $532K-2.1% | $553K+13.8% |
| Interest Expense | $594K+0.1% | $611K+8.6% | $617K+14.6% | $621K+0.1% | $593K+17.1% | $563K+14.7% | $538K-1.2% | $620K+22.1% |
| Income Tax | -$11K+77.8% | -$84K-68.5% | -$8K-24.2% | -$42K-22.9% | -$51K-18.1% | -$50K-482.2% | -$6K+68.5% | -$34K-291.8% |
| Net Income | -$2K+98.9% | -$304K-6709.2% | $18K+114.8% | -$94K-8.8% | -$135K-16.6% | -$4K-108.3% | -$120K-171.6% | -$86K-382.6% |
| EPS (Basic) | $0.00+100.0% | -$0.61-6000.0% | $0.04+116.0% | -$0.19 | -$0.27 | -$0.01 | -$0.25 | N/A |
| EPS (Diluted) | N/A | -$0.61-6000.0% | $0.04+114.8% | -$0.19 | -$0.27 | -$0.01 | -$0.27 | N/A |
| Diluted Shares (Avg) | 493,968+0.4% | N/A | 494,213 | N/A | 492,126 | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
MFBI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $144.1M-0.9% | $142.4M-1.3% | $147.9M+2.1% | $147.6M-0.2% | $145.5M-1.3% | $144.3M-7.1% | $144.9M | $147.9M |
| Cash & Equivalents | $2.0M-11.2% | $1.5M-30.0% | $1.6M-36.3% | $2.7M+33.0% | $2.2M+17.6% | $2.1M-80.4% | $2.5M-70.7% | $2.0M-46.6% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $131.6M-1.4% | $130.0M-1.7% | $135.3M+1.7% | $135.2M-2.6% | $133.5M-4.1% | $132.3M-9.9% | $133.1M | $138.8M |
| Total Equity | $12.6M+4.5% | $12.4M+2.8% | $12.7M+7.3% | $12.4M+36.1% | $12.0M+44.0% | $12.1M+40.9% | $11.8M+35.8% | $9.1M+26.2% |
| Retained Earnings | $12.1M-3.1% | $12.1M-4.1% | $12.4M-1.7% | $12.4M-2.8% | $12.5M-2.7% | $12.6M-2.5% | $12.6M | $12.7M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
MFBI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $127K+382.2% | -$221K+46.8% | $13K-98.9% | -$65K+93.7% | -$45K-295.0% | -$416K-65.1% | $1.2M+297.2% | -$1.0M-1178.1% |
| Depreciation & Amortization | $60K-2.4% | $66K-4.8% | $61K-5.0% | $57K-11.5% | $62K-3.3% | $70K+8.6% | $64K+1.3% | $65K+2.8% |
| Stock-Based Compensation | $20K | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Capital Expenditures | N/A | $10K-15.7% | $72K+561.2% | $64K+419.2% | $7K-47.2% | $11K-46.4% | $11K+681.4% | $12K-74.8% |
| Free Cash Flow | N/A | -$231K+46.0% | -$59K-104.8% | -$129K+87.7% | -$52K-601.5% | -$427K-56.3% | $1.2M+295.4% | -$1.0M-708.0% |
| Investing Cash Flow | -$1.2M-12.2% | $5.4M+611.9% | -$1.3M-167.0% | -$1.1M-216.7% | -$1.1M-36.5% | $755K-82.6% | $1.9M+5861.4% | $979K-48.7% |
| Financing Cash Flow | $1.6M+26.4% | -$5.3M-637.3% | $103K+103.8% | $1.7M+688.4% | $1.3M+115.9% | -$713K+60.9% | -$2.7M-164.9% | $217K+119.2% |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
MFBI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -0.1%+13.4pp | -29.1%-28.6pp | 1.7%+13.4pp | -8.8%+0.5pp | -13.5%-2.7pp | -0.4%-5.7pp | -11.8%-7.2pp | -9.3%-12.3pp |
| Return on Equity | 0.0%+1.1pp | -2.4%-2.4pp | 0.1%+1.2pp | -0.8%+0.2pp | -1.1%+0.3pp | 0.0%-0.7pp | -1.0%-0.5pp | -0.9%-1.4pp |
| Return on Assets | 0.0%+0.1pp | -0.2%-0.2pp | 0.0%+0.1pp | -0.1%0.0pp | -0.1%0.0pp | 0.0%0.0pp | -0.1% | -0.1% |
| Debt-to-Equity | 10.48-0.6x | 10.48-0.5x | 10.69-0.6x | 10.94-4.3x | 11.11-5.6x | 10.96-6.2x | 11.28 | 15.28 |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.01 | 0.01 |
| FCF Margin | N/A | -22.1%+20.4pp | -5.5% | -12.1% | -5.2%-6.2pp | -42.5%-15.9pp | 118.6% | -112.7% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Where Monroe Fed Bancorp Inc Ranks
Frequently Asked Questions
What is Monroe Fed Bancorp Inc's annual revenue?
Monroe Fed Bancorp Inc (MFBI) reported $4.2M in total revenue for fiscal year 2026. This represents a 3.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Monroe Fed Bancorp Inc's revenue growing?
Monroe Fed Bancorp Inc (MFBI) revenue grew by 3.9% year-over-year, from $4.0M to $4.2M in fiscal year 2026.
Is Monroe Fed Bancorp Inc profitable?
No, Monroe Fed Bancorp Inc (MFBI) reported a net income of -$515K in fiscal year 2026, with a net profit margin of -12.3%.
What is Monroe Fed Bancorp Inc's net profit margin?
Monroe Fed Bancorp Inc (MFBI) had a net profit margin of -12.3% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
What is Monroe Fed Bancorp Inc's return on equity (ROE)?
Monroe Fed Bancorp Inc (MFBI) has a return on equity of -4.2% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Monroe Fed Bancorp Inc's free cash flow?
Monroe Fed Bancorp Inc (MFBI) recorded an outflow of $470K in free cash flow during fiscal year 2026. This represents a -87.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Monroe Fed Bancorp Inc's operating cash flow?
Monroe Fed Bancorp Inc (MFBI) recorded an outflow of $318K in operating cash flow during fiscal year 2026, representing cash used by core business activities.
What are Monroe Fed Bancorp Inc's total assets?
Monroe Fed Bancorp Inc (MFBI) had $142.4M in total assets as of fiscal year 2026, including both current and long-term assets.
What are Monroe Fed Bancorp Inc's capital expenditures?
Monroe Fed Bancorp Inc (MFBI) invested $152K in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is Monroe Fed Bancorp Inc's debt-to-equity ratio?
Monroe Fed Bancorp Inc (MFBI) had a debt-to-equity ratio of 10.48 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Monroe Fed Bancorp Inc's return on assets (ROA)?
Monroe Fed Bancorp Inc (MFBI) had a return on assets of -0.4% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is Monroe Fed Bancorp Inc's P/E ratio?
Monroe Fed Bancorp Inc (MFBI) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $6.5M as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Monroe Fed Bancorp Inc's price-to-sales ratio?
Monroe Fed Bancorp Inc (MFBI) trades at 1.5x sales, its market capitalization divided by revenue of $4.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $6.5M as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Monroe Fed Bancorp Inc's Piotroski F-Score?
Monroe Fed Bancorp Inc (MFBI) has a Piotroski F-Score of 2 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Monroe Fed Bancorp Inc's earnings high quality?
Monroe Fed Bancorp Inc (MFBI) reported a net loss of $515K while operations used $318K of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.