What is Monroe Fed Bancorp Inc's earnings per share (EPS)?

Monroe Fed Bancorp Inc (MFBI) reported diluted earnings per share of $-1.04 for fiscal year 2026. This represents a -55.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Monroe Fed Bancorp Inc Financials

MFBI

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE March

This page shows Monroe Fed Bancorp Inc (MFBI) financial statements, including the 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).

Rhea AI MFBI FY2025 2026-06-25

FY2025 looks less like an operating collapse than a funding-driven balance-sheet reset that left Monroe Federal with much thinner liquidity.

Cash fell to $2.1M from $10.6M even though operating cash outflow improved to -$204K from -$376K; the bigger force was -$11.2M of financing outflow, which coincided with liabilities dropping by about $14.5M and the debt-to-equity ratio easing to 11.0x from 17.1x. That combination says the year’s strain showed up more in how the balance sheet was funded than in day-to-day cash consumption.

Reported earnings weakened from a $60K profit in FY2024 to a -$327K loss in FY2025, but equity still rose to $12.1M from $8.6M. For a balance-sheet-heavy business, that usually means liability reduction outpaced asset shrinkage, which can improve capitalization even during a loss year.

Interest expense rose to $2.2M from $2.0M while return on assets slipped to -0.2% from 0.0%. That pairing suggests the business became less efficient at earning on its asset base just as funding costs moved higher, a squeeze that helps explain why accounting profit deteriorated faster than operating cash flow.

Financial Health Signals

Financial health score pending refresh

We are recalculating Monroe Fed Bancorp Inc's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Earnings Quality Low Quality

0.62x

For every $1 of reported earnings, Monroe Fed Bancorp Inc generates $0.62 in operating cash flow (-$318K OCF vs -$515K net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

N/A

EBITDA

N/A

Net Income

-$515K

YoY-57.5%

Monroe Fed Bancorp Inc reported -$515K in net income in fiscal year 2026. This represents a decrease of 57.5% from the prior year.

EPS (Diluted)

$-1.04

YoY-55.2%

Monroe Fed Bancorp Inc earned $-1.04 per diluted share (EPS) in fiscal year 2026. This represents a decrease of 55.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

-$470K

YoY-87.1%

Monroe Fed Bancorp Inc generated -$470K in free cash flow in fiscal year 2026, representing cash available after capex. This represents a decrease of 87.1% from the prior year.

Cash & Debt

$1.5M

YoY-30.0%

Monroe Fed Bancorp Inc held $1.5M in cash against $0 in long-term debt as of fiscal year 2026.

Dividends Per Share

N/A

Shares Outstanding

541,434

Monroe Fed Bancorp Inc had 541,434 shares outstanding in fiscal year 2026.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

-4.2%

YoY-1.4pp

Monroe Fed Bancorp Inc's ROE was -4.2% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is down 1.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$152K

YoY+221.0%

Monroe Fed Bancorp Inc invested $152K in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents an increase of 221.0% from the prior year.

MFBI Income Statement

Metric	FY26	FY25	FY24
Revenue	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A
SG&A Expenses	$2.2M+2.1%	$2.2M+4.5%	$2.1M
Operating Income	N/A	N/A	N/A
Interest Expense	$2.4M+9.6%	$2.2M+12.9%	$2.0M
Income Tax	-$184K-38.5%	-$133K-172.5%	-$49K
Net Income	-$515K-57.5%	-$327K-646.5%	$60K
EPS (Diluted)	$-1.04-55.2%	$-0.67	N/A

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	$540K+1.3%	$533K-1.7%	$542K	N/A	$532K-3.8%	$553K+0.2%	$552K
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$617K-0.6%	$621K+4.6%	$593K	N/A	$538K-13.2%	$620K+22.3%	$507K
Income Tax	N/A	-$8K+81.0%	-$42K+17.7%	-$51K	N/A	-$6K+81.2%	-$34K+20.9%	-$43K
Net Income	N/A	$18K+119.1%	-$94K+30.8%	-$135K	N/A	-$120K-40.2%	-$86K+25.8%	-$116K
EPS (Diluted)	N/A	$0.04+121.1%	$-0.19+29.6%	$-0.27	N/A	$-0.27	N/A	N/A

MFBI Balance Sheet

Metric	FY26	FY25	FY24
Total Assets	$142.4M-1.3%	$144.3M-7.1%	$155.3M
Current Assets	N/A	N/A	N/A
Cash & Equivalents	$1.5M-30.0%	$2.1M-80.4%	$10.6M
Inventory	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A
Total Liabilities	$130.0M-1.7%	$132.3M-9.9%	$146.8M
Current Liabilities	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A
Total Equity	$12.4M+2.8%	$12.1M+40.9%	$8.6M
Retained Earnings	$12.1M-4.1%	$12.6M-2.5%	$12.9M

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Total Assets	$142.4M-3.7%	$147.9M+0.2%	$147.6M+1.4%	$145.5M+0.8%	$144.3M-0.4%	$144.9M-2.0%	$147.9M+0.3%	$147.5M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.5M-6.8%	$1.6M-42.6%	$2.7M+22.8%	$2.2M+6.6%	$2.1M-15.3%	$2.5M+19.9%	$2.0M+8.6%	$1.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$130.0M-3.9%	$135.3M0.0%	$135.2M+1.3%	$133.5M+0.9%	$132.3M-0.6%	$133.1M-4.1%	$138.8M-0.2%	$139.1M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$12.4M-2.0%	$12.7M+2.4%	$12.4M+2.9%	$12.0M-0.5%	$12.1M+2.3%	$11.8M+29.9%	$9.1M+8.9%	$8.3M
Retained Earnings	$12.1M-2.5%	$12.4M+0.1%	$12.4M-0.8%	$12.5M-1.1%	$12.6M0.0%	$12.6M-0.9%	$12.7M-0.7%	$12.8M

MFBI Cash Flow Statement

Metric	FY26	FY25	FY24
Operating Cash Flow	-$318K-56.0%	-$204K+45.7%	-$376K
Capital Expenditures	$152K+221.0%	$47K-59.4%	$117K
Free Cash Flow	-$470K-87.1%	-$251K+49.0%	-$492K
Investing Cash Flow	$1.9M-34.1%	$2.8M-21.3%	$3.6M
Financing Cash Flow	-$2.2M+80.5%	-$11.2M-351.0%	$4.5M
Dividends Paid	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Operating Cash Flow	-$221K-1757.7%	$13K+120.5%	-$65K-44.3%	-$45K+89.2%	-$416K-134.0%	$1.2M+218.3%	-$1.0M-4581.2%	$23K
Capital Expenditures	$10K-86.6%	$72K+12.9%	$64K+844.6%	$7K-41.1%	$11K+5.3%	$11K-11.4%	$12K-3.9%	$13K
Free Cash Flow	-$231K-293.8%	-$59K+54.5%	-$129K-148.6%	-$52K+87.9%	-$427K-135.2%	$1.2M+215.8%	-$1.0M-10243.4%	$10K
Investing Cash Flow	$5.4M+521.8%	-$1.3M-11.5%	-$1.1M-5.4%	-$1.1M-243.6%	$755K-60.3%	$1.9M+94.3%	$979K+223.3%	-$794K
Financing Cash Flow	-$5.3M-5190.6%	$103K-94.0%	$1.7M+35.4%	$1.3M+277.4%	-$713K+73.8%	-$2.7M-1351.8%	$217K+102.7%	-$8.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

MFBI Financial Ratios

Metric	FY26	FY25	FY24
Gross Margin	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A
Return on Equity	-4.2%-1.4pp	-2.7%-3.4pp	0.7%
Return on Assets	-0.4%-0.1pp	-0.2%-0.3pp	0.0%
Current Ratio	N/A	N/A	N/A
Debt-to-Equity	10.48-0.5	10.96-6.2	17.14
FCF Margin	N/A	N/A	N/A

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	0.1%+0.9pp	-0.8%+0.4pp	-1.1%	N/A	-1.0%-0.1pp	-0.9%+0.4pp	-1.4%
Return on Assets	N/A	0.0%+0.1pp	-0.1%+0.0pp	-0.1%	N/A	-0.1%-0.0pp	-0.1%+0.0pp	-0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.48-0.2	10.69-0.2	10.94-0.2	11.11+0.2	10.96-0.3	11.28-4.0	15.28-1.4	16.68
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Frequently Asked Questions

Is Monroe Fed Bancorp Inc profitable?

No, Monroe Fed Bancorp Inc (MFBI) reported a net income of -$515K in fiscal year 2026.

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) generated -$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) generated -$318K in operating cash flow during fiscal year 2026, representing cash generated from 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.

How many shares does Monroe Fed Bancorp Inc have outstanding?

Monroe Fed Bancorp Inc (MFBI) had 541,434 shares outstanding as of fiscal year 2026.

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 cash runway?

Based on fiscal year 2026 data, Monroe Fed Bancorp Inc (MFBI) had $1.5M in cash against an annual operating cash burn of $318K. This gives an estimated cash runway of approximately 55 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

Are Monroe Fed Bancorp Inc's earnings high quality?

Monroe Fed Bancorp Inc (MFBI) has an earnings quality ratio of 0.62x, considered low quality (accrual-driven). 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.