Marathon Bancorp Inc Financials
Marathon Bancorp Inc (MBBC) reported $9.6M in revenue for fiscal year 2025, up 1.3% from the prior fiscal year. This page shows its 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).
Balance-sheet repair, not earnings growth, is doing most of the work as this asset-heavy banking model stabilizes.
The apparent improvement in FY2025 is mostly a capital-base story: equity rose to$45.7M from$31.3M . Because net income was only$42K and retained earnings barely moved, the drop in debt-to-equity to 4.2x reflects fresh balance-sheet support more than profit rebuilding the franchise.
This remains an asset-intensive lender: total assets were
Cash looked better than earnings in FY2025: operating cash flow reached
Financial Health Signals
Scored against banks for FY2025. 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.
Not available for Marathon Bancorp Inc, and counted as zero in the overall score.
Marathon Bancorp Inc passes 4 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), neither operating efficiency signal passes.
Marathon Bancorp Inc reported $42K of net income while generating $1.4M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead.
Key Financial Metrics
Earnings & Revenue
Marathon Bancorp Inc generated $9.6M in revenue in fiscal year 2025. This represents an increase of 1.3% from the prior year.
Marathon Bancorp Inc reported $42K in net income in fiscal year 2025. This represents an increase of 122.7% from the prior year.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Marathon Bancorp Inc held $14.4M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
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.
Marathon Bancorp Inc's ROE was 0.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
MBBC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|---|
| Revenue | $11.4M | $9.6M+1.3% | $9.4M+5.0% | $9.0M+25.4% | $7.2M+10.4% | $6.5M+9.7% | $5.9M |
| SG&A Expenses | $3.9M | $3.6M+18.3% | $3.1M-6.5% | $3.3M+5.1% | $3.1M-6.3% | $3.3M+10.7% | $3.0M |
| Interest Expense | $3.6M | $3.5M-2.3% | $3.6M+57.6% | $2.3M+140.4% | $948K-13.1% | $1.1M-19.6% | $1.4M |
| Income Tax | $192K | -$32K+46.6% | -$59K-113.3% | $445K+1.7% | $437K-8.4% | $478K+445.3% | $88K |
| Net Income | $1.1M | $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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
MBBC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| 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 |
| Cash & Equivalents | $14.4M+37.4% | $10.5M-11.1% | $11.8M+39.7% | $8.4M-81.7% | $46.0M+89.7% | $24.3M |
| Total Liabilities | $193.1M+2.7% | $188.0M-9.4% | $207.5M+9.6% | $189.3M+3.0% | $183.8M+22.6% | $149.9M |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, 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.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.5M | $1.4M+247.7% | $417K-79.1% | $2.0M+141.0% | $826K-20.0% | $1.0M-3.0% | $1.1M |
| Capital Expenditures | $108K | $179K-92.1% | $2.3M+3365.1% | $65K+91.7% | $34K-61.5% | $88K-69.7% | $292K |
| Free Cash Flow | $1.4M | $1.3M+168.7% | -$1.8M-196.1% | $1.9M+143.1% | $791K-16.1% | $943K+22.2% | $772K |
| Investing Cash Flow | -$22.6M | -$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 | $11.0M | $18.0M+192.9% | -$19.4M-223.1% | $15.8M+173.4% | $5.8M-86.1% | $41.6M+142.8% | $17.1M |
| Share Buybacks | N/A | $82K-47.4% | $156K | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
MBBC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| 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%+0.7pp | -0.6%-5.9pp | 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% |
| Debt-to-Equity | 4.23-1.8x | 6.01-0.6x | 6.63+0.5x | 6.16+0.1x | 6.06-1.2x | 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% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Marathon Bancorp Inc Ranks
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 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.
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 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) reported $42K of net income while generating $1.4M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead. 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 23 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.