Monroe Federal Bancorp, Inc. (MFBI) Fair Value 2026

MFBI · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.7 /10

32 fundamental signals · 1 models active

Value Trap Risk

LOW (28/100)

Quick Summary — As of 2026-08-27, Monroe Federal Bancorp, Inc. (MFBI) trades at $12.48. QOC: 5.7/10. Value Trap Risk: 28/100 (LOW). 1/13 models active.

Key Facts

Ticker
MFBI
Price
$12.48
Quality Score
5.7/10
Value Trap Risk
28/100
Models Active
1/13
Last Updated
Strength: 1 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

What Fair Value Does Each Model Give MFBI?

1 Intrinsic Value Models vs. Current Price ($12.48)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $0.74 -94.1%

All Models Active

All 1 models are displayed above.

What Is Monroe Federal Bancorp, Inc. (MFBI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Monroe Federal Bancorp, Inc.'s intrinsic value is estimated at $0.74. Trading at its current price of $12.48, the valuation engine raises significant caution: 1 of 1 models flag downside risk, projecting a median implied return of -94.1%.

What Do the Models Say About MFBI?

1 of 13 models are currently active for MFBI. All 1 active models suggest the stock trades above fair value. See which stocks rank higher →

How Does MFBI Rank in Banks - Regional?

Among 349 Banks - Regional stocks, MFBI ranks #332 by Quality of Company score. CirclFi's QOC score of 5.7/10 evaluates 32 fundamental signals. A score of 5.7 reflects mixed fundamentals.

See all Most Undervalued Banks - Regional Stocks →

Monroe Federal Bancorp, Inc.'s positioning within the Banks - Regional segment means that non-performing loan ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.

Is MFBI a Value Trap?

CirclFi's Value Trap algorithm assigns MFBI a score of 28/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for Monroe Federal Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Monroe Federal Bancorp, Inc. earns a quality score of 5.7/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every MFBI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across MFBI's 1 active models, average confidence is 50%. Moderate confidence indicates reasonable fit.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Monroe Federal Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

PBHCPathfinder Bancorp, Inc.QOC 6.0CARVCarver Bancorp, Inc.QOC 5.7BCOW1895 Bancorp of Wisconsin, Inc.QOC 6.1FCBMFirst Carolina Financial Services, Inc.QOC 5.5OZKBank OZKQOC 6.1PNBKPatriot National Bancorp, Inc.QOC 5.4HBCPHome Bancorp, Inc.QOC 8.4FFINFirst Financial Bankshares, Inc.QOC 8.1CHMGChemung Financial CorporationQOC 7.6ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: PBHC · CARV · BCOW · FCBM · OZK · PNBK · HBCP · FFIN · CHMG · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to MFBI?

6 companies across all industries closest to MFBI’s Quality of Company score of 5.7/10.

AAPGAscentage Pharma Group InternatQOC 5.7QURTQuarta-Rad, Inc.QOC 5.7SINTSintx Technologies, Inc.QOC 5.7VRNOVerano Holdings Corp.QOC 5.7RCONRecon Technology, Ltd.QOC 5.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: AAPG · QURT · SINT · VRNO · RCON · NVDA

Where Does MFBI Sit in CirclFi's Banks - Regional Rankings?

MFBI is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Monroe Federal Bancorp, Inc.’s Valuation?

What is Monroe Federal Bancorp, Inc.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for Monroe Federal Bancorp, Inc. (MFBI). The Quality of Company score is 5.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is MFBI overvalued or undervalued right now?

At $12.48, 0 of 1 active models suggest MFBI may be undervalued, while 1 indicate potential overvaluation. The assessment depends on which methodology best fits Monroe Federal Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 5.7 mean for MFBI?

Monroe Federal Bancorp, Inc.'s QOC of 5.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on MFBI?

CirclFi analyzes MFBI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is MFBI a value trap in 2026?

Monroe Federal Bancorp, Inc.'s Value Trap score is 28/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns Monroe Federal Bancorp, Inc. (MFBI) a Quality of Company score of 5.7/10 across 32 fundamental signals as of 2026-08-27.” Source: circlfi.com/stock/MFBI/ · Methodology
Primary sources for this MFBI valuation
  • Financial statements: Monroe Federal Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0002024899) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for MFBI as of ; valuations recomputed .