MONROE FED BANCORP (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 Oct 28, 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).
The bank’s balance sheet is shrinking while higher interest expense pushes modest revenue into deeper losses and recurring cash outflows.
From FY2024 to FY2026, revenue edged up to$4.18M while interest expense rose23.7% , making funding-cost pressure more visible despite broadly stable activity. Net income moved from a profit of$60K to a loss of$515K , showing that the earnings deterioration was not explained by a collapsing top line alone.
The bank remains heavily liability-funded: liabilities were
Operating cash flow stayed negative across all three years and 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), the one computable operating efficiency signal (asset turnover improving) passes.
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 a net loss of $2K in Q1 2027. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
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; no long-term debt figure is on record 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 quarterly ROE was 0.0% in Q1 2027: one quarter's net income over shareholder equity, not annualized. 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-K | 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% |
| 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 | -$11Kn/m | -$84Kn/m | -$8Kn/m | -$42Kn/m | -$51Kn/m | -$50Kn/m | -$6Kn/m | -$34Kn/m |
| Net Income | -$2Kn/m | -$304Kn/m | $18Kn/m | -$94Kn/m | -$135Kn/m | -$4K-108.3% | -$120Kn/m | -$86K-382.6% |
| EPS (Basic) | $0.00n/m | -$0.61n/m | $0.04n/m | -$0.19 | -$0.27 | -$0.01 | -$0.25 | N/A |
| EPS (Diluted) | N/A | -$0.61n/m | $0.04n/m | -$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, SG&A 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-K | 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% |
| 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, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, 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-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $127Kn/m | -$221Kn/m | $13K-98.9% | -$65Kn/m | -$45K-295.0% | -$416Kn/m | $1.2M+297.2% | -$1.0Mn/m |
| 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 | -$231Kn/m | -$59K-104.8% | -$129Kn/m | -$52K-601.5% | -$427Kn/m | $1.2M+295.4% | -$1.0Mn/m |
| Investing Cash Flow | -$1.2Mn/m | $5.4M+611.9% | -$1.3M-167.0% | -$1.1M-216.7% | -$1.1Mn/m | $755K-82.6% | $1.9M+5861.4% | $979K-48.7% |
| Financing Cash Flow | $1.6M+26.4% | -$5.3Mn/m | $103Kn/m | $1.7M+688.4% | $1.3Mn/m | -$713Kn/m | -$2.7M-164.9% | $217Kn/m |
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-K | 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% |
| Liabilities-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, Debt-to-Equity.
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 loss 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. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. 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 liabilities-to-equity ratio?
MONROE FED BANCORP INC (MFBI) had a liabilities-to-equity ratio of 10.48 as of fiscal year 2026, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2026, because the filing data we hold for that year carries no long-term debt figure.
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 $6.6M as of Oct 28, 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 1.6x sales, its market capitalization divided by $4.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $6.6M as of Oct 28, 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.