Marathon Bancorp Inc Financials

MBBC

Source SEC Filings (10-K/10-Q) Updated Feb 11, 2026 Currency USD FYE June

Financial Health Signals

Financial Profile 25/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Marathon Bancorp Inc's revenue grew a modest 1.3% year-over-year to $9.6M. This slow but positive growth earns a score of 32/100.

Leverage

Marathon Bancorp Inc has elevated debt relative to equity (D/E of 4.23), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Marathon Bancorp Inc converts 13.3% of revenue into free cash flow ($1.3M). This strong cash generation earns a score of 66/100.

Returns

Marathon Bancorp Inc generates a 0.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100.

Piotroski F-Score Neutral

4/9

Marathon Bancorp Inc passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

34.13x

For every $1 of reported earnings, Marathon Bancorp Inc generates $34.13 in operating cash flow ($1.4M OCF vs $42K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Marathon Bancorp Inc (MBBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 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).

Export CSV

Key Financial Metrics

Revenue

$9.6M

YoY+1.3%

5Y CAGR+10.1%

Marathon Bancorp Inc generated $9.6M in revenue in fiscal year 2025. This represents an increase of 1.3% from the prior year.

EBITDA

N/A

Free Cash Flow

$1.3M

YoY+168.7%

5Y CAGR+10.5%

Marathon Bancorp Inc generated $1.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 168.7% from the prior year.

Net Income

$42K

YoY+122.7%

5Y CAGR-36.7%

Marathon Bancorp Inc reported $42K in net income in fiscal year 2025. This represents an increase of 122.7% from the prior year.

EPS (Diluted)

$0.02

YoY+128.6%

Marathon Bancorp Inc earned $0.02 per diluted share (EPS) in fiscal year 2025. This represents an increase of 128.6% from the prior year.

Cash & Debt

$14.4M

YoY+37.4%

5Y CAGR-9.9%

Marathon Bancorp Inc held $14.4M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

YoY+0.0%

5Y CAGR+5.7%

Marathon Bancorp Inc had 3M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

0.4%

YoY+2.4pp

5Y CAGR-6.6pp

Marathon Bancorp Inc's net profit margin was 0.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.4 percentage points from the prior year.

Return on Equity

0.1%

5Y CAGR-1.9pp

Marathon Bancorp Inc's ROE was 0.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.

R&D Spending

N/A

Share Buybacks

$82K

YoY-47.4%

Marathon Bancorp Inc spent $82K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 47.4% from the prior year.

Capital Expenditures

$179K

YoY-92.1%

5Y CAGR-9.3%

Marathon Bancorp Inc invested $179K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 92.1% from the prior year.

MBBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$9.6M+1.3%	$9.4M+5.0%	$9.0M+25.4%	$7.2M+10.4%	$6.5M+9.7%	$5.9M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.5M-2.3%	$3.6M+57.6%	$2.3M+140.4%	$948K-13.1%	$1.1M-19.6%	$1.4M
Income Tax	-$32K+46.6%	-$59K-113.3%	$445K+1.7%	$437K-8.4%	$478K+445.3%	$88K
Net Income	$42K+122.7%	-$187K-111.2%	$1.7M+25.3%	$1.3M-2.8%	$1.4M+228.6%	$418K
EPS (Diluted)	$0.02+128.6%	$-0.07-108.9%	$0.79+27.4%	$0.62-3.1%	$0.64	N/A

Metric	Q2'26	Q2'25	Q1'25	Q3'25	Q2'24	Q1'24	Q3'24	Q2'23
Revenue	$3.0M0.0%	$3.0M+2.6%	$2.9M+23.2%	$2.3M+2.9%	$2.3M-1.9%	$2.3M-0.4%	$2.3M-3.4%	$2.4M
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$893K0.0%	$893K-3.2%	$922K+5.9%	$871K+1.2%	$861K-3.5%	$892K-2.6%	$916K0.0%	$917K
Income Tax	$87K0.0%	$87K-15.4%	$103K+127.0%	$45K+2887.5%	$2K-96.3%	$41K+120.0%	-$203K-595.1%	-$29K
Net Income	$501K0.0%	$501K+12.9%	$444K+199.4%	$148K+190.3%	$51K-70.8%	$175K+127.7%	-$631K-331.9%	$272K
EPS (Diluted)	$0.190.0%	$0.19+11.8%	$0.17+142.9%	$0.07+250.0%	$0.02-66.7%	$0.06+119.4%	$-0.31-338.5%	$0.13

MBBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$238.8M+8.9%	$219.3M-8.2%	$238.8M+8.3%	$220.5M+3.2%	$213.6M+25.2%	$170.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$14.4M+37.4%	$10.5M-11.1%	$11.8M+39.7%	$8.4M-81.7%	$46.0M+89.7%	$24.3M
Inventory	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
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$193.1M+2.7%	$188.0M-9.4%	$207.5M+9.6%	$189.3M+3.0%	$183.8M+22.6%	$149.9M
Current Liabilities	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
Total Equity	$45.7M+46.1%	$31.3M0.0%	$31.3M+1.7%	$30.7M+1.4%	$30.3M+45.9%	$20.8M
Retained Earnings	$25.6M+0.2%	$25.5M-0.2%	$25.6M+7.0%	$23.9M+8.2%	$22.1M+6.6%	$20.7M

Metric	Q2'26	Q2'25	Q1'25	Q3'25	Q2'24	Q1'24	Q3'24	Q2'23
Total Assets	$248.0M0.0%	$248.0M+0.8%	$246.0M+3.9%	$236.8M+8.7%	$217.9M+0.7%	$216.5M-4.1%	$225.8M-3.5%	$234.1M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	$13.7M-11.7%	$15.5M-34.7%	$23.7M+46.4%	$16.2M+7.7%	$15.0M+85.9%	$8.1M-0.5%	$8.1M
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	$201.1M0.0%	$201.1M+0.7%	$199.7M-2.5%	$204.9M+10.0%	$186.2M+0.7%	$184.9M-5.0%	$194.5M-3.8%	$202.3M
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	$46.9M0.0%	$46.9M+1.3%	$46.3M+44.8%	$32.0M+0.8%	$31.7M+0.3%	$31.6M+0.7%	$31.4M-1.7%	$31.9M
Retained Earnings	$26.5M0.0%	$26.5M+1.9%	$26.0M+0.4%	$25.9M+0.6%	$25.7M+0.2%	$25.7M+1.0%	$25.4M-2.4%	$26.1M

MBBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.4M+247.7%	$417K-79.1%	$2.0M+141.0%	$826K-20.0%	$1.0M-3.0%	$1.1M
Capital Expenditures	$179K-92.1%	$2.3M+3365.1%	$65K+91.7%	$34K-61.5%	$88K-69.7%	$292K
Free Cash Flow	$1.3M+168.7%	-$1.8M-196.1%	$1.9M+143.1%	$791K-16.1%	$943K+22.2%	$772K
Investing Cash Flow	-$15.6M-188.0%	$17.7M+222.8%	-$14.4M+67.4%	-$44.2M-112.3%	-$20.8M-698.3%	$3.5M
Financing Cash Flow	$18.0M+192.9%	-$19.4M-223.1%	$15.8M+173.4%	$5.8M-86.1%	$41.6M+142.8%	$17.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$82K-47.4%	$156K	N/A	N/A	N/A	N/A

Metric	Q2'26	Q2'25	Q1'25	Q3'25	Q2'24	Q1'24	Q3'24	Q2'23
Operating Cash Flow	$1.9M+32.8%	$1.4M+204.6%	$464K-45.4%	$849K+647.2%	$114K-88.0%	$945K+217.8%	-$802K-228.8%	$623K
Capital Expenditures	$21K+52.3%	$14K+91.3%	$7K-90.3%	$76K+777.5%	$9K-63.5%	$24K-90.6%	$252K-27.0%	$346K
Free Cash Flow	$1.9M+32.6%	$1.4M+206.4%	$457K-40.9%	$773K+636.5%	$105K-88.6%	$922K+187.4%	-$1.1M-480.1%	$277K
Investing Cash Flow	$9.8M+351.2%	-$3.9M+33.9%	-$5.9M+46.4%	-$11.0M-4988.1%	-$215K-102.9%	$7.5M+0.5%	$7.4M+167.3%	$2.8M
Financing Cash Flow	$7.1M+973.3%	$666K-89.7%	$6.5M-63.2%	$17.6M+1306.2%	$1.3M+132.4%	-$3.9M+42.1%	-$6.7M-194.9%	-$2.3M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$45K	N/A	N/A	N/A	$0-100.0%	$45K	N/A	N/A

MBBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	0.4%+2.4pp	-2.0%-20.6pp	18.6%-0.0pp	18.6%-2.5pp	21.2%+14.1pp	7.1%
Return on Equity	0.1%	N/A	5.3%+1.0pp	4.3%-0.2pp	4.5%+2.5pp	2.0%
Return on Assets	0.0%+0.1pp	-0.1%-0.8pp	0.7%+0.1pp	0.6%-0.0pp	0.6%+0.4pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.23-1.8	6.01-0.6	6.63+0.5	6.16+0.1	6.06-1.2	7.21
FCF Margin	13.3%+32.9pp	-19.6%-41.0pp	21.4%+10.4pp	11.1%-3.5pp	14.5%+1.5pp	13.1%

Metric	Q2'26	Q2'25	Q1'25	Q3'25	Q2'24	Q1'24	Q3'24	Q2'23
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	17.0%0.0pp	17.0%+1.5pp	15.4%+9.1pp	6.4%+4.1pp	2.3%-5.3pp	7.6%+34.8pp	-27.2%-38.5pp	11.3%
Return on Equity	1.1%0.0pp	1.1%+0.1pp	1.0%+0.5pp	0.5%+0.3pp	0.2%-0.4pp	0.5%	N/A	0.9%
Return on Assets	0.2%0.0pp	0.2%+0.0pp	0.2%+0.1pp	0.1%+0.0pp	0.0%-0.1pp	0.1%+0.4pp	-0.3%-0.4pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.290.0	4.29-0.0	4.32-2.1	6.41+0.5	5.88+0.0	5.85-0.3	6.20-0.1	6.34
FCF Margin	62.9%+15.5pp	47.4%+31.5pp	15.9%-17.3pp	33.1%+28.5pp	4.6%-35.2pp	39.9%+85.3pp	-45.4%-57.0pp	11.5%

Similar Companies

Kentucky Fst Fed KFFB

$38.9M

Bayfirst Financial Corp BAFN

$30.9M

Home Fed Bancorp Inc La HFBL

$58.2M

Optimumbank Hold OPHC

$60.0M

Texas Community Bancshares Inc TCBS

$45.4M

Frequently Asked Questions

What is Marathon Bancorp Inc's annual revenue?

Marathon Bancorp Inc (MBBC) reported $9.6M in total revenue for fiscal year 2025. This represents a 1.3% 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 Marathon Bancorp Inc's revenue growing?

Marathon Bancorp Inc (MBBC) revenue grew by 1.3% year-over-year, from $9.4M to $9.6M in fiscal year 2025.

Is Marathon Bancorp Inc profitable?

Yes, Marathon Bancorp Inc (MBBC) reported a net income of $42K in fiscal year 2025, with a net profit margin of 0.4%.

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

Marathon Bancorp Inc (MBBC) reported diluted earnings per share of $0.02 for fiscal year 2025. This represents a 128.6% 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.

What is Marathon Bancorp Inc's net profit margin?

Marathon Bancorp Inc (MBBC) had a net profit margin of 0.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Marathon Bancorp Inc's return on equity (ROE)?

Marathon Bancorp Inc (MBBC) has a return on equity of 0.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Marathon Bancorp Inc's free cash flow?

Marathon Bancorp Inc (MBBC) generated $1.3M in free cash flow during fiscal year 2025. This represents a 168.7% 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 Marathon Bancorp Inc's operating cash flow?

Marathon Bancorp Inc (MBBC) generated $1.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Marathon Bancorp Inc's total assets?

Marathon Bancorp Inc (MBBC) had $238.8M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Marathon Bancorp Inc's capital expenditures?

Marathon Bancorp Inc (MBBC) invested $179K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Marathon Bancorp Inc buy back shares?

Yes, Marathon Bancorp Inc (MBBC) spent $82K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Marathon Bancorp Inc have outstanding?

Marathon Bancorp Inc (MBBC) had 3M shares outstanding as of fiscal year 2025.

What is Marathon Bancorp Inc's debt-to-equity ratio?

Marathon Bancorp Inc (MBBC) had a debt-to-equity ratio of 4.23 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Marathon Bancorp Inc's return on assets (ROA)?

Marathon Bancorp Inc (MBBC) had a return on assets of 0.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Marathon Bancorp Inc's Piotroski F-Score?

Marathon Bancorp Inc (MBBC) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Marathon Bancorp Inc's earnings high quality?

Marathon Bancorp Inc (MBBC) has an earnings quality ratio of 34.13x, considered cash-backed (high quality). 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.

How financially healthy is Marathon Bancorp Inc?

Marathon Bancorp Inc (MBBC) scores 25 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.