Marathon Bancorp, Inc. (MBBC) 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 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-K for FY2026, filed Sep 16, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MBBC SEC filings page.
Marathon Bancorp, Inc. (MBBC) reported $9.0M in revenue for fiscal year 2026, up 33.0% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 7 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 2026 rebound restored profitability and cash generation, but its balance sheet still relies heavily on liabilities.
The bank moved from a loss in FY2024 to$1.8M net income in FY2026 while operating cash flow reached$2.5M , linking the earnings rebound to cash generation rather than accounting results alone. That recovery still produced only0.7% ROA against 4.4x debt-to-equity, indicating that a large asset and liability base dilutes returns to owners.
FY2024 paired
Liabilities were 4.4x equity in FY2026, down from 6.0x in FY2024, showing meaningful structural improvement from the recent peak. However, leverage edged up from 4.2x in FY2025 as assets reached
Financial Health Signals
Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Marathon Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Marathon Bancorp, Inc. earned a return on assets of 0.7% in fiscal year 2026, which is the profit it made on every dollar of assets on its books. This is up from 0.0% the prior year. Earnings ranks banks on that return over three years, and Marathon Bancorp, Inc. scores 23/100 among other banks.
Marathon Bancorp, Inc. reported revenue of $9.0M in fiscal year 2026, against $6.8M in fiscal year 2025. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Marathon Bancorp, Inc. scores 76/100 among other banks.
Marathon Bancorp, Inc. funded 18.4% of its assets with shareholders' equity at the end of fiscal year 2026, holding $48.0M of equity against $261.0M of assets. Capital ranks banks on that cushion, and Marathon Bancorp, Inc. scores 84/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Marathon Bancorp, Inc. scores 10/100 on it among other banks.
Not available for Marathon Bancorp, Inc., and counted as zero in the overall score.
Marathon Bancorp, Inc. reported net income of $1.8M in fiscal year 2026, against $42K in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and Marathon Bancorp, Inc. scores 22/100 among other banks.
Marathon Bancorp, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Marathon Bancorp, Inc. generates $1.37 in operating cash flow ($2.5M OCF vs $1.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Marathon Bancorp, Inc. generated $2.3M in revenue in Q4 2026. This represents an increase of 21.7% from the same quarter a year earlier. Against the prior quarter it is up 1.6%.
Marathon Bancorp, Inc. reported $358K in net income in Q4 2026. This represents an increase of 207.7% from the same quarter a year earlier. Against the prior quarter it is down 26.7%.
Marathon Bancorp, Inc. earned $0.13 per diluted share (EPS) in Q4 2026. This represents an increase of 218.2% from the same quarter a year earlier. Against the prior quarter it is down 27.8%.
Not reported for Q4 2026.
Cash & Balance Sheet
Marathon Bancorp, Inc. generated $54K in free cash flow in Q4 2026, representing cash available after capex. This represents an increase of 110.2% from the same quarter a year earlier. Against the prior quarter it is down 50.9%.
Marathon Bancorp, Inc. held $20.8M in cash as of Q4 2026; long-term debt is not reported for that period.
Not reported for Q4 2026.
Margins & Returns
Marathon Bancorp, Inc.'s net profit margin was 15.3% in Q4 2026, showing the share of revenue converted to profit. This is up 32.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.9 percentage points.
Marathon Bancorp, Inc.'s ROE was 0.8% in Q4 2026, measuring profit generated per dollar of shareholder equity. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.3 percentage points.
Not reported for Q4 2026.
Not reported for Q4 2026.
Capital Allocation
Marathon Bancorp, Inc. invested $395K in capex in Q4 2026, funding long-term assets and infrastructure. This represents an increase of 457.4% from the same quarter a year earlier. Against the prior quarter it is up 2431.8%.
Not reported for Q4 2026.
Not reported for Q4 2026.
MBBC 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 | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.3M+21.7% | $2.3M+37.9% | $2.2M+41.7% | $2.1M+32.8% | $1.9M+23.2% | $1.7M+7.6% | $1.6M-4.6% | $1.6M-9.9% |
| SG&A Expenses | $1.1M-4.0% | $951K+19.4% | $904K+8.3% | $898K+7.5% | $1.2M+58.5% | $796K-1.0% | $834K+9.7% | $835K+8.1% |
| Interest Expense | $969K+9.6% | $912K+4.7% | $893K+3.7% | $922K+3.4% | $884K-3.5% | $871K-4.9% | $861K-6.0% | $892K+6.0% |
| Income Tax | $30K+124.9% | $121K+166.7% | $87K+5641.1% | $103K+153.8% | -$119K-318.7% | $45K+122.4% | $2K+105.2% | $41K-79.8% |
| Net Income | $358K+207.7% | $488K+228.7% | $501K+880.7% | $444K+154.0% | -$332K-486.8% | $148K+123.5% | $51K-81.2% | $175K+102.9% |
| EPS (Basic) | $0.14+227.3% | $0.18+260.0% | $0.19+850.0% | $0.17+183.3% | -$0.11-283.3% | $0.05+116.1% | $0.02-84.6% | $0.06+50.0% |
| EPS (Diluted) | $0.13+218.2% | $0.18+260.0% | $0.19+850.0% | $0.17+183.3% | -$0.11 | $0.05+116.1% | $0.02-84.6% | $0.06+50.0% |
| Diluted Shares (Avg) | N/A | 3M-2.9% | 3M-3.4% | 3M-3.7% | N/A | 3M+38.2% | 3M+36.7% | 3M+36.5% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
MBBC 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 | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $261.0M+9.3% | $249.0M+5.1% | $248.0M+13.8% | $246.0M+13.6% | $238.8M+8.9% | $236.8M+4.9% | $217.9M-6.9% | $216.5M-8.1% |
| Cash & Equivalents | $20.8M+44.7% | $13.6M-42.4% | $13.7M-15.6% | $15.5M+2.9% | $14.4M+37.4% | $23.7M+192.9% | $16.2M+99.1% | $15.0M+115.2% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $213.1M+10.3% | $201.5M-1.7% | $201.1M+8.0% | $199.7M+8.0% | $193.1M+2.7% | $204.9M+5.3% | $186.2M-7.9% | $184.9M-9.5% |
| Total Equity | $48.0M+4.9% | $47.5M+48.8% | $46.9M+48.0% | $46.3M+46.5% | $45.7M+46.1% | $32.0M+1.9% | $31.7M-0.7% | $31.6M+0.1% |
| Retained Earnings | $27.4M+7.0% | $27.0M+4.3% | $26.5M+3.0% | $26.0M+1.2% | $25.6M+0.2% | $25.9M+1.8% | $25.7M-1.2% | $25.7M-0.4% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
MBBC 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 | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $449K+197.8% | $126K-85.2% | $1.4M+1143.9% | $464K-50.9% | -$459K-300.6% | $849K+205.8% | $114K-81.8% | $945K+157.8% |
| Depreciation & Amortization | $74K-9.4% | $71K-1.1% | $71K0.0% | $70K-0.2% | $82K+17.2% | $72K-12.3% | $71K+47.8% | $70K+56.4% |
| Stock-Based Compensation | N/A | N/A | N/A | $39K-2.3% | N/A | N/A | N/A | $40K0.0% |
| Capital Expenditures | $395K+457.4% | $16K-79.4% | $14K+62.2% | $7K-69.0% | $71K+264.1% | $76K-69.9% | $9K-97.5% | $24K-98.6% |
| Free Cash Flow | $54K+110.2% | $110K-85.8% | $1.4M+1233.0% | $457K-50.5% | -$530K-353.0% | $773K+173.3% | $105K-62.1% | $922K+171.9% |
| Investing Cash Flow | -$4.9M+59.0% | -$1.0M+90.8% | -$3.9M-1703.0% | -$5.9M-178.6% | -$11.9M-231.7% | -$11.0M-247.5% | -$215K-107.7% | $7.5M+592.6% |
| Financing Cash Flow | $11.6M+280.8% | $849K-95.2% | $666K-46.8% | $6.5M+267.9% | $3.0M+144.5% | $17.6M+364.1% | $1.3M+155.4% | -$3.9M-5.9% |
| Share Buybacks | N/A | N/A | N/A | N/A | $38K | $0 | $0 | $45K |
Not reported in any period shown, so not listed: Dividends Paid.
MBBC 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 | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 15.3%+32.6pp | 21.2%+12.3pp | 22.3%+19.1pp | 20.7%+9.9pp | -17.3%-22.8pp | 8.9%+49.6pp | 3.2%-13.2pp | 10.8%+6.0pp |
| Return on Equity | 0.8%+1.5pp | 1.0%+0.6pp | 1.1%+0.9pp | 1.0%+0.4pp | -0.7%-1.0pp | 0.5%+2.5pp | 0.2%-0.7pp | 0.5%+0.3pp |
| Return on Assets | 0.1%+0.3pp | 0.2%+0.1pp | 0.2%+0.2pp | 0.2%+0.1pp | -0.1%-0.2pp | 0.1%+0.3pp | 0.0%-0.1pp | 0.1%0.0pp |
| Debt-to-Equity | 4.44+0.2x | 4.24-2.2x | 4.29-1.6x | 4.32-1.5x | 4.23-1.8x | 6.41+0.2x | 5.88-0.5x | 5.85-0.6x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 2.3%+29.9pp | 4.8%-41.5pp | 62.3%+55.6pp | 21.3%-35.8pp | -27.6%-41.0pp | 46.3%+114.3pp | 6.6%-10.1pp | 57.1%+128.6pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Marathon Bancorp, Inc. MBBC | FY2026 | $9.0M | $1.8M | 19.8% | $45.2M | 36/100 |
| Kentucky First Federal Bancorp KFFB | FY2025 | $8.8M | $181K | 2.1% | $46.5M | 18/100 |
| BayFirst Financial Corp. BAFN | FY2025 | $63.1M | -$24.6M | -39.0% | $145.1M | 6/100 |
| Home Federal Bancorp, Inc. of Louisiana HFBL | FY2026 | $24.5M | $6.2M | 25.2% | $73.2M | 33/100 |
| OptimumBank Holdings, Inc. OPHC | FY2025 | $49.4M | $16.6M | 33.7% | $109.9M | 63/100 |
| Texas Community Bancshares, Inc. TCBS | FY2025 | $16.4M | $2.8M | 17.3% | $48.8M | 36/100 |
Where Marathon Bancorp, Inc. Ranks
Frequently Asked Questions
What is Marathon Bancorp, Inc.'s annual revenue?
Marathon Bancorp, Inc. (MBBC) reported $9.0M in total revenue for fiscal year 2026. This represents a 33.0% 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 33.0% year-over-year, from $6.8M to $9.0M in fiscal year 2026.
Is Marathon Bancorp, Inc. profitable?
Yes, Marathon Bancorp, Inc. (MBBC) reported a net income of $1.8M in fiscal year 2026, with a net profit margin of 19.8%.
What is Marathon Bancorp, Inc.'s net profit margin?
Marathon Bancorp, Inc. (MBBC) had a net profit margin of 19.8% in fiscal year 2026, 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 3.7% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Marathon Bancorp, Inc.'s free cash flow?
Marathon Bancorp, Inc. (MBBC) generated $2.0M in free cash flow during fiscal year 2026. This represents a 59.1% 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 Marathon Bancorp, Inc.'s operating cash flow?
Marathon Bancorp, Inc. (MBBC) generated $2.5M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are Marathon Bancorp, Inc.'s total assets?
Marathon Bancorp, Inc. (MBBC) had $261.0M in total assets as of fiscal year 2026, including both current and long-term assets.
What are Marathon Bancorp, Inc.'s capital expenditures?
Marathon Bancorp, Inc. (MBBC) invested $432K in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is Marathon Bancorp, Inc.'s debt-to-equity ratio?
Marathon Bancorp, Inc. (MBBC) had a debt-to-equity ratio of 4.44 as of fiscal year 2026, 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 0.7% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is Marathon Bancorp, Inc.'s P/E ratio?
Marathon Bancorp, Inc. (MBBC) trades at 25.2x earnings, its market capitalization divided by net income of $1.8M net income, FY2026. The market capitalization is $45.2M as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Marathon Bancorp, Inc.'s price-to-sales ratio?
Marathon Bancorp, Inc. (MBBC) trades at 5.0x sales, its market capitalization divided by revenue of $9.0M revenue, FY2026. The market capitalization is $45.2M as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Marathon Bancorp, Inc.'s Piotroski F-Score?
Marathon Bancorp, Inc. (MBBC) has a Piotroski F-Score of 5 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 Marathon Bancorp, Inc.'s earnings high quality?
Marathon Bancorp, Inc. (MBBC) has an earnings quality ratio of 1.37x, 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 36 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.