Marathon Bancorp, Inc.(MBBC)Earnings, Financials & Key Ratios
MBBC•NASDAQ•Banking & Credit
$14.64
$43M mkt cap·950.6× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
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 Equity0.11%+118.4%
- Net Interest Margin2.53%-5.0%
- Efficiency Ratio66.74%-3.2%
- ROA0.02%+122.7%
- Equity / Assets19.14%+34.1%
- Book Value per Share16.54-21.4%
- Tangible BV/Share16.54-21.4%
- Debt/Equity0.33-21.0%
MBBC Key Insights
Marathon Bancorp, Inc. (MBBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Well capitalized: 19.1% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 0.9x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 1.6%
- ✗Profits declining 36.7% over 5 years
- ✗Shares diluted 85.8% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
MBBC Price & Volume
Marathon Bancorp, Inc. (MBBC) stock price & volume — 10-year historical chart
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MBBC Growth Metrics
Marathon Bancorp, Inc. (MBBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years8.55%
3 Years7.91%
TTM-
Profit CAGR
10 Years-
5 Years-36.71%
3 Years-68.32%
TTM417.28%
EPS CAGR
10 Years-
5 Years-43.18%
3 Years-73.74%
TTM373.27%
Return on Capital
10 Years2.55%
5 Years3.35%
3 Years1.73%
Last Year0.02%
MBBC Peer Comparison
Marathon Bancorp, Inc. (MBBC) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CHMG | 322.44M | 67.05 | 21.42 | -6.46% | 6.27% | 0.02 | ||
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 NECB | 337.14M | 24.37 | 7.50 | -1.55% | 13.07% | 0.21 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 FXNC | 248.63M | 27.50 | 14.03 | 27.11% | 9.98% | 0.23 | ||
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 4.56% | 0.90 | ||
 BWFG | 417.32M | 52.34 | 11.76 | 6.13% | 12.21% | 0.60 | ||
 CLBK | 2.02B | 19.29 | -175.36 | 7.33% | 1.3% | 1.00 |
Compare MBBC vs Peers
Marathon Bancorp, Inc. (MBBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
MBBC Income Statement
Marathon Bancorp, Inc. (MBBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 4.55M | 5.39M | 6.21M | 6.7M | 5.84M | 6.04M | 6.58M |
| NII Growth % | - | - | 18.48% | 15.14% | 7.89% | -12.83% | 3.47% | 62.82% |
| Net Interest Margin % | 0% | 2.67% | 2.52% | 2.82% | 2.81% | 2.66% | 2.53% | 2.67% |
| Interest Income | 0 | 5.91M | 6.48M | 7.16M | 8.98M | 9.43M | 9.55M | 10.11M |
| Interest Expense | 15K | 1.36M | 1.09M | 947.77K | 2.28M | 3.59M | 3.51M | 3.54M |
| Loan Loss Provision | -1.38M | 150K | 0 | 0 | 0 | -190K | -93.83K | 21.17K |
| Non-Interest Income | 6.66M | 925.74K | 1.81M | 1.04M | 1.3M | 726.02K | 748.92K | 745.36K |
| Non-Interest Income % | 100% | 13.55% | 21.79% | 12.69% | 12.66% | 7.15% | 7.27% | 6.86% |
| Total Revenue | 6.66M▲ 0% | 6.83M▲ 2.6% | 8.29M▲ 21.3% | 8.2M▼ 1.1% | 10.28M▲ 25.4% | 10.16M▼ 1.2% | 10.3M▲ 1.4% | 10.86M▲ 0% |
| Revenue Growth % | - | 2.56% | 21.31% | -1.12% | 25.4% | -1.19% | 1.41% | 33.51% |
| Non-Interest Expense | 4.43M | 4.82M | 5.35M | 5.48M | 5.88M | 7M | 6.87M | 6.96M |
| Efficiency Ratio | 66.42% | 70.56% | 64.51% | 66.82% | 57.24% | 68.94% | 66.74% | 64.06% |
| Operating Income | 452.42K▲ 0% | 505.48K▲ 11.7% | 1.85M▲ 266.1% | 1.77M▼ 4.2% | 2.12M▲ 19.4% | -246.1K▼ 111.6% | 10.89K▲ 104.4% | 342.7K▲ 0% |
| Operating Margin % | 6.79% | 7.4% | 22.32% | 21.62% | 20.59% | -2.42% | 0.11% | 3.16% |
| Operating Income Growth % | - | 11.73% | 266.14% | -4.25% | 19.45% | -111.63% | 104.42% | - |
| Pretax Income | 452.42K▲ 0% | 505.48K▲ 11.7% | 1.85M▲ 266.1% | 1.77M▼ 4.2% | 2.12M▲ 19.4% | -246.1K▼ 111.6% | 10.89K▲ 104.4% | 342.7K▲ 0% |
| Pretax Margin % | 6.79% | 7.4% | 22.32% | 21.62% | 20.59% | -2.42% | 0.11% | 3.16% |
| Income Tax | -880.19K | 87.61K | 477.72K | 437.38K | 444.74K | -59.11K | -31.55K | 30.87K |
| Effective Tax Rate % | -194.55% | 17.33% | 25.81% | 24.68% | 21.01% | 24.02% | -289.76% | 9.01% |
| Net Income | 1.33M▲ 0% | 417.87K▼ 68.6% | 1.37M▲ 228.6% | 1.33M▼ 2.8% | 1.67M▲ 25.3% | -186.99K▼ 111.2% | 42.45K▲ 122.7% | 311.83K▲ 0% |
| Net Margin % | 20% | 6.11% | 16.56% | 16.28% | 16.27% | -1.84% | 0.41% | 2.87% |
| Net Income Growth % | - | -68.64% | 228.59% | -2.79% | 25.27% | -111.18% | 122.7% | 417.28% |
| Net Income (Continuing) | 1.33M | 417.87K | 1.37M | 1.33M | 1.67M | -186.99K | 42.45K | 311.83K |
| EPS (Diluted) | 0.56▲ 0% | 0.26▼ 53.6% | 0.88▲ 238.5% | 0.85▼ 3.4% | 1.08▲ 27.1% | -0.12▼ 111.1% | 0.02▲ 112.8% | 0.12▲ 0% |
| EPS Growth % | - | -53.57% | 238.46% | -3.41% | 27.06% | -111.11% | 112.83% | 373.27% |
| 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 | 2.69M |
MBBC Balance Sheet
Marathon Bancorp, Inc. (MBBC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 2.61M | 20.56M | 14.96M | 14.98M | 14.96M | 9.78M | 4.34M | 24.75M |
| Cash & Due from Banks | 2.61M | 5.56M | 4.05M | 4.36M | 6.03M | 3.18M | 2.48M | 3.23M |
| Short Term Investments | 0 | 15.01M | 10.91M | 10.62M | 8.92M | 6.61M | 1.86M | 772.52K |
| Total Investments | 1.41M | 134.77M | 155.79M | 196.78M | 207.15M | 190.56M | 206.48M | 211.9M |
| Investments Growth % | - | 9488.05% | 15.6% | 26.31% | 5.27% | -8.01% | 8.35% | 12.22% |
| Long-Term Investments | 1.41M | 119.76M | 144.88M | 186.16M | 198.23M | 183.96M | 204.62M | 782.45M |
| Accounts Receivables | 0 | 499.74K | 552.52K | 565.93K | 612.72K | 597.77K | 667.69K | 700.64K |
| Goodwill & Intangibles | 225.14K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 225.14K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 1.85M | 1.97M | 1.85M | 1.68M | 2.13M | 4.09M | 3.88M | 3.79M |
| Other Assets | 143.96M | 27.16M | 51.12M | 16.54M | 22.36M | 20.29M | 25.32M | 26.36M |
| Total Current Assets | 4.3M | 21.06M | 15.51M | 15.55M | 15.57M | 10.38M | 5.01M | 4.7M |
| Total Non-Current Assets | 148.48M | 149.59M | 198.11M | 204.95M | 223.21M | 208.91M | 233.82M | 241.28M |
| Total Assets | 152.77M▲ 0% | 170.65M▲ 11.7% | 213.63M▲ 25.2% | 220.5M▲ 3.2% | 238.78M▲ 8.3% | 219.3M▼ 8.2% | 238.83M▲ 8.9% | 245.99M▲ 0% |
| Asset Growth % | - | 11.7% | 25.18% | 3.22% | 8.29% | -8.16% | 8.91% | 20.57% |
| Return on Assets (ROA) | 0.87% | 0.26% | 0.71% | 0.61% | 0.73% | -0.08% | 0.02% | 0.13% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 0 | 14.37M | 10.37M | 0 | 8M | 13M | 15M | 15M |
| Net Debt | -2.61M | 8.82M | 6.32M | -4.36M | 1.97M | 9.82M | 12.52M | 11.77M |
| Long-Term Debt | 0 | 8M | 0 | 0 | 8M | 13M | 15M | 15M |
| Short-Term Debt | 0 | 6.37M | 10.37M | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 97.46M | 1.48M | 1.45M | 1.18M | 2.24M | 2.02M | 2.88M | 2.99M |
| Total Current Liabilities | 35.01M | 140.39M | 182.33M | 188.1M | 197.25M | 172.98M | 175.24M | 181.72M |
| Total Non-Current Liabilities | 97.62M | 9.48M | 1.45M | 1.18M | 10.24M | 15.02M | 17.88M | 17.99M |
| Total Liabilities | 132.64M | 149.87M | 183.78M | 189.28M | 207.5M | 188M | 193.13M | 199.71M |
| Total Equity | 20.14M▲ 0% | 20.78M▲ 3.2% | 29.85M▲ 43.6% | 31.22M▲ 4.6% | 31.28M▲ 0.2% | 31.29M▲ 0.0% | 45.71M▲ 46.1% | 46.28M▲ 0% |
| Equity Growth % | - | 3.19% | 43.63% | 4.61% | 0.18% | 0.05% | 46.06% | 94.28% |
| Equity / Assets (Capital Ratio) | 13.18% | 12.18% | 13.97% | 14.16% | 13.1% | 14.27% | 19.14% | 18.81% |
| Return on Equity (ROE) | 6.62% | 2.04% | 5.42% | 4.37% | 5.35% | -0.6% | 0.11% | 0.67% |
| Book Value per Share | 8.46 | 12.80 | 19.13 | 19.98 | 20.33 | 21.04 | 16.54 | 17.20 |
| Tangible BV per Share | 8.37 | 12.80 | 19.13 | 19.98 | 20.33 | 21.04 | 16.54 | 17.20 |
| Common Stock | 0 | 0 | 22.3K | 22.3K | 21.14K | 20.97K | 28.96K | 28.96K |
| Additional Paid-in Capital | 0 | 0 | 8.48M | 8.49M | 7.25M | 7.25M | 22.65M | 22.7M |
| Retained Earnings | 20.3M | 20.72M | 22.09M | 23.91M | 25.58M | 25.52M | 25.57M | 26.01M |
| Accumulated OCI | -157.95K | 66.72K | 120.67K | -369.03K | -784.86K | -752.79K | -485.93K | -432.97K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
MBBC Cash Flow Statement
Marathon Bancorp, Inc. (MBBC) cash flow — operating, investing & free cash flow history
| Line item | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 461.23K | 1.06M | 1.03M | 825.53K | 1.99M | 416.55K | 1.45M | 1.45M |
| Operating CF Growth % | - | 130.75% | -3.04% | -20% | 140.95% | -79.06% | 247.74% | 48807.47% |
| Net Income | 1.33M | 417.87K | 1.37M | 1.33M | 1.67M | -186.99K | 42.45K | 311.83K |
| Depreciation & Amortization | 149.53K | 175.29K | 207.35K | 207.95K | 205.01K | 244.9K | 295K | 70.22M |
| Deferred Taxes | 0 | 93.6K | 458.42K | 362.68K | 0 | 0 | 0 | 28.59M |
| Other Non-Cash Items | -1.17M | -9.28K | -930.41K | -1.02M | -716.83K | 530.62K | 8.89K | -117.56M |
| Working Capital Changes | -14.13K | 386.79K | -84.3K | -110.84K | 658.12K | -365.01K | 883.83K | 12.7K |
| Cash from Investing | -5.81M | 3.48M | -20.83M | -44.22M | -14.42M | 17.71M | -15.58M | -5.89B |
| Purchase of Investments | 0 | -3.22M | -1.11M | -3.5M | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 2.46M |
| Net Investment Activity | 1000K | -2.22M | -112.5K | -2.5M | 1000K | 1000K | 1000K | 2.46M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 100K | 0 |
| Other Investing | -13.92M | -2.27M | -26.86M | -43.87M | -15.42M | 17.68M | -17.24M | -5.98B |
| Cash from Financing | 2.48M | 17.12M | 41.57M | 5.77M | 15.78M | -19.43M | 18.05M | 6.5B |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -1.37M | -156.22K | -82.17K | -37.66K |
| Stock Issued | 0 | 0 | 8.51M | 0 | 0 | 0 | 15.21M | 15.2M |
| Net Stock Activity | 0 | 0 | 8.51M | 0 | -1.37M | -156.22K | 15.13M | 15.16M |
| Debt Issuance (Net) | 0 | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 0 |
| Other Financing | 2.48M | 2.75M | 37.07M | 16.14M | 9.15M | -24.27M | 918.67K | 6.48B |
| Net Change in Cash | 2.61M▲ 0% | 21.67M▲ 730.4% | 21.77M▲ 0.5% | -37.62M▼ 272.8% | 3.35M▲ 108.9% | -1.3M▼ 138.9% | 3.91M▲ 400.4% | 1.07B▲ 0% |
| Exchange Rate Effect | 1000K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 0 | 2.61M | 24.27M | 46.05M | 8.43M | 11.78M | 10.47M | 14.39B |
| Cash at End | 2.61M | 24.27M | 46.05M | 8.43M | 11.78M | 10.47M | 14.39M | 15.46B |
| Interest Paid | 0 | 1.36M | 1.07M | 944.13K | 2.23M | 3.38M | 3.52M | 2.4M |
| Income Taxes Paid | 0 | 0 | 10K | 79K | 159K | 261K | 0 | 0 |
| Free Cash Flow | -79.02K▲ 0% | 772.03K▲ 1077.0% | 943.46K▲ 22.2% | 791.44K▼ 16.1% | 1.92M▲ 143.1% | -1.85M▼ 196.1% | 1.27M▲ 168.7% | 456.98M▲ 0% |
| FCF Growth % | - | 1077.03% | 22.21% | -16.11% | 143.07% | -196.08% | 168.68% | 128916.58% |
MBBC Banking Ratios
Marathon Bancorp, Inc. (MBBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 2.04% | 5.42% | 4.37% | 5.35% | -0.6% | 0.11% | 0.67% |
| Return on Assets (ROA) | 0.26% | 0.71% | 0.61% | 0.73% | -0.08% | 0.02% | 0.13% |
| Net Interest Margin | 2.67% | 2.52% | 2.82% | 2.81% | 2.66% | 2.53% | 2.67% |
| Efficiency Ratio | 70.56% | 64.51% | 66.82% | 57.24% | 68.94% | 66.74% | 64.06% |
| Equity / Assets | 12.18% | 13.97% | 14.16% | 13.1% | 14.27% | 19.14% | 18.81% |
| Book Value / Share | 12.8 | 19.13 | 19.98 | 20.33 | 21.04 | 16.54 | 17.2 |
| NII Growth | - | 18.48% | 15.14% | 7.89% | -12.83% | 3.47% | 15.43% |
| Dividend Payout | - | - | - | - | - | - | 0% |
MBBC Frequently Asked Questions
Marathon Bancorp, Inc. (MBBC) stock FAQ — growth, dividends, profitability & financials explained
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.
Explore More MBBC
Marathon Bancorp, Inc. (MBBC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates