Marathon Bancorp, Inc. (MBBC) 10-Year Financial Performance & Capital Metrics

MBBC • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community Banks

AboutMarathon Bancorp, Inc. focuses on to operate as a bank holding company for Marathon Bank, a chartered savings bank. Marathon Bank offers deposit products, such as demand deposits, savings, and certificates of deposits; and lending products comprising commercial real estate, commercial and industrial, construction, one-to-four-family residential, multi-family real estate, and consumer loans primarily in the Marathon County area of Wisconsin. The company was founded in 2020 and is based in Wausau, Wisconsin. Marathon Bancorp, Inc. operates as a subsidiary of Marathon MHC.Show more

Net Interest Income $6M +3.5%
Total Revenue $10M +1.4%
Net Income $42K +122.7%
Return on Equity 0.11% +118.4%
Net Interest Margin 2.53% -5.0%
Efficiency Ratio 66.74% -3.2%
ROA 0.02% +122.7%
Equity / Assets 19.14% +34.1%
Book Value per Share 16.54 -21.4%
Tangible BV/Share 16.54 -21.4%
Debt/Equity 0.33 -21.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Well capitalized: 19.1% equity/assets
✓Trading near 52-week high
✓Trading at only 0.8x book value

✗Weaknesses

✗Weak 3Y average ROE of 1.6%
✗Profits declining 36.7% over 5 years
✗Shares diluted 85.8% in last year

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y8.55%

3Y7.91%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-36.71%

3Y-68.32%

TTM417.28%

EPS CAGR

10Y-

5Y-43.18%

3Y-73.74%

TTM373.27%

ROCE

10Y Avg2.55%

5Y Avg3.35%

3Y Avg1.73%

Latest0.02%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Net Interest Income+	0	4.55M	5.39M	6.21M	6.7M	5.84M	6.04M
NII Growth %	-	-	0.18%	0.15%	0.08%	-0.13%	0.03%
Net Interest Margin %	-	-	-	-	-	-	-
Interest Income	0	5.91M	6.48M	7.16M	8.98M	9.43M	9.55M
Interest Expense	15K	1.36M	1.09M	947.77K	2.28M	3.59M	3.51M
Loan Loss Provision	-1.38M	150K	0	0	0	-190K	-93.83K
Non-Interest Income+	6.66M	925.74K	1.81M	1.04M	1.3M	726.02K	748.92K
Non-Interest Income %	-	-	-	-	-	-	-
Total Revenue+	6.66M	6.83M	8.29M	8.2M	10.28M	10.16M	10.3M
Revenue Growth %	-	0.03%	0.21%	-0.01%	0.25%	-0.01%	0.01%
Non-Interest Expense	4.43M	4.82M	5.35M	5.48M	5.88M	7M	6.87M
Efficiency Ratio	-	-	-	-	-	-	-
Operating Income+	452.42K	505.48K	1.85M	1.77M	2.12M	-246.1K	10.89K
Operating Margin %	-	-	-	-	-	-	-
Operating Income Growth %	-	0.12%	2.66%	-0.04%	0.19%	-1.12%	1.04%
Pretax Income+	452.42K	505.48K	1.85M	1.77M	2.12M	-246.1K	10.89K
Pretax Margin %	-	-	-	-	-	-	-
Income Tax+	-880.19K	87.61K	477.72K	437.38K	444.74K	-59.11K	-31.55K
Effective Tax Rate %	-	-	-	-	-	-	-
Net Income+	1.33M	417.87K	1.37M	1.33M	1.67M	-186.99K	42.45K
Net Margin %	-	-	-	-	-	-	-
Net Income Growth %	-	-0.69%	2.29%	-0.03%	0.25%	-1.11%	1.23%
Net Income (Continuing)	1.33M	417.87K	1.37M	1.33M	1.67M	-186.99K	42.45K
EPS (Diluted)+	0.56	0.26	0.88	0.85	1.08	-0.12	0.02
EPS Growth %	-	-0.54%	2.38%	-0.03%	0.27%	-1.11%	1.13%
EPS (Basic)	0.56	0.26	0.88	0.85	1.08	-0.12	0.02
Diluted Shares Outstanding	2.38M	1.62M	1.56M	1.56M	1.54M	1.49M	2.76M

Balance Sheet

	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	2.61M	5.56M	4.05M	4.36M	6.03M	3.18M	2.48M
Short Term Investments	0	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	1.41M	134.77M	155.79M	196.78M	207.15M	190.56M	206.48M
Investments Growth %	-	94.88%	0.16%	0.26%	0.05%	-0.08%	0.08%
Long-Term Investments	1.41M	119.76M	144.88M	186.16M	198.23M	183.96M	204.62M
Accounts Receivables	0	499.74K	552.52K	565.93K	612.72K	597.77K	667.69K
Goodwill & Intangibles+	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0
Intangible Assets	225.14K	0	0	0	0	0	0
PP&E (Net)	1.85M	1.97M	1.85M	1.68M	2.13M	4.09M	3.88M
Other Assets	143.96M	27.16M	51.12M	16.54M	22.36M	20.29M	25.32M
Total Current Assets	4.3M	21.06M	15.51M	15.55M	15.57M	10.38M	5.01M
Total Non-Current Assets	148.48M	149.59M	198.11M	204.95M	223.21M	208.91M	233.82M
Total Assets+	152.77M	170.65M	213.63M	220.5M	238.78M	219.3M	238.83M
Asset Growth %	-	0.12%	0.25%	0.03%	0.08%	-0.08%	0.09%
Return on Assets (ROA)	0.01%	0%	0.01%	0.01%	0.01%	-0%	0%
Accounts Payable	0	0	0	0	0	0	0
Total Debt+	0	14.37M	10.37M	0	8M	13M	15M
Net Debt	-2.61M	8.82M	6.32M	-4.36M	1.97M	9.82M	12.52M
Long-Term Debt	0	8M	0	0	8M	13M	15M
Short-Term Debt	0	6.37M	10.37M	0	0	0	0
Other Liabilities	97.46M	1.48M	1.45M	1.18M	2.24M	2.02M	2.88M
Total Current Liabilities	35.01M	140.39M	182.33M	188.1M	197.25M	172.98M	175.24M
Total Non-Current Liabilities	97.62M	9.48M	1.45M	1.18M	10.24M	15.02M	17.88M
Total Liabilities	132.64M	149.87M	183.78M	189.28M	207.5M	188M	193.13M
Total Equity+	20.14M	20.78M	29.85M	31.22M	31.28M	31.29M	45.71M
Equity Growth %	-	0.03%	0.44%	0.05%	0%	0%	0.46%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.02%	0.05%	0.04%	0.05%	-0.01%	0%
Book Value per Share	8.46	12.80	19.13	19.98	20.33	21.04	16.54
Tangible BV per Share	-	-	-	-	-	-	-
Common Stock	0	0	22.3K	22.3K	21.14K	20.97K	28.96K
Additional Paid-in Capital	0	0	8.48M	8.49M	7.25M	7.25M	22.65M
Retained Earnings	20.3M	20.72M	22.09M	23.91M	25.58M	25.52M	25.57M
Accumulated OCI	-157.95K	66.72K	120.67K	-369.03K	-784.86K	-752.79K	-485.93K
Treasury Stock	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0

Cash Flow

	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash from Operations+	461.23K	1.06M	1.03M	825.53K	1.99M	416.55K	1.45M
Operating CF Growth %	-	1.31%	-0.03%	-0.2%	1.41%	-0.79%	2.48%
Net Income	1.33M	417.87K	1.37M	1.33M	1.67M	-186.99K	42.45K
Depreciation & Amortization	149.53K	175.29K	207.35K	207.95K	205.01K	244.9K	295K
Deferred Taxes	0	93.6K	458.42K	362.68K	0	0	0
Other Non-Cash Items	-1.17M	-9.28K	-930.41K	-1.02M	-716.83K	530.62K	8.89K
Working Capital Changes	-14.13K	386.79K	-84.3K	-110.84K	658.12K	-365.01K	883.83K
Cash from Investing+	-5.81M	3.48M	-20.83M	-44.22M	-14.42M	17.71M	-15.58M
Purchase of Investments	0	-3.22M	-1.11M	-3.5M	0	0	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	100K
Other Investing	-13.92M	-2.27M	-26.86M	-43.87M	-15.42M	17.68M	-17.24M
Cash from Financing+	2.48M	17.12M	41.57M	5.77M	15.78M	-19.43M	18.05M
Dividends Paid	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	-1.37M	-156.22K	-82.17K
Stock Issued	0	0	8.51M	0	0	0	15.21M
Net Stock Activity	-	-	-	-	-	-	-
Debt Issuance (Net)	0	1000K	-1000K	-1000K	1000K	1000K	1000K
Other Financing	2.48M	2.75M	37.07M	16.14M	9.15M	-24.27M	918.67K
Net Change in Cash+	2.61M	21.67M	21.77M	-37.62M	3.35M	-1.3M	3.91M
Exchange Rate Effect	1000K	0	0	0	0	0	0
Cash at Beginning	0	2.61M	24.27M	46.05M	8.43M	11.78M	10.47M
Cash at End	2.61M	24.27M	46.05M	8.43M	11.78M	10.47M	14.39M
Interest Paid	0	1.36M	1.07M	944.13K	2.23M	3.38M	3.52M
Income Taxes Paid	0	0	10K	79K	159K	261K	0
Free Cash Flow+	-79.02K	772.03K	943.46K	791.44K	1.92M	-1.85M	1.27M
FCF Growth %	-	10.77%	0.22%	-0.16%	1.43%	-1.96%	1.69%

Banking Ratios

Metric	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	6.62%	2.04%	5.42%	4.37%	5.35%	-0.6%	0.11%
Return on Assets (ROA)	0.87%	0.26%	0.71%	0.61%	0.73%	-0.08%	0.02%
Net Interest Margin	0%	2.67%	2.52%	2.82%	2.81%	2.66%	2.53%
Efficiency Ratio	66.42%	70.56%	64.51%	66.82%	57.24%	68.94%	66.74%
Equity / Assets	13.18%	12.18%	13.97%	14.16%	13.1%	14.27%	19.14%
Book Value / Share	8.46	12.8	19.13	19.98	20.33	21.04	16.54
NII Growth	-	-	18.48%	15.14%	7.89%	-12.83%	3.47%

Frequently Asked Questions

Growth & Financials

Marathon Bancorp, Inc. (MBBC) grew revenue by 1.4% over the past year. Growth has been modest.

Yes, Marathon Bancorp, Inc. (MBBC) is profitable, generating $0.3M in net income for fiscal year 2025 (0.4% net margin).

Dividend & Returns

Marathon Bancorp, Inc. (MBBC) has a return on equity (ROE) of 0.1%. This is below average, suggesting room for improvement.

Industry Metrics

Marathon Bancorp, Inc. (MBBC) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

Marathon Bancorp, Inc. (MBBC) has an efficiency ratio of 66.7%. This is higher than peers, suggesting room for cost optimization.

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