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Marathon Bancorp, Inc.(MBBC)Earnings, Financials & Key Ratios
MBBC•NASDAQ•Banking & Credit
$15.15
983.8× P/E·Price updated Jul 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%
MBBC Price & Volume
Marathon Bancorp, Inc. (MBBC) stock price & volume — 10-year historical chart
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Securities Concentration Masks Persistent Margin Stagnation Risks
Investment Thesis • Updated 2026Q3
VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial:Adequate
Cash Flow:Improving
Primary Risk:High Operating Expense Ratio
Key Thesis Takeaways
- Marathon Bancorp exhibits a unique profile characterized by aggressive securities-driven asset growth, which reached $216.2 million by 2026Q3, yet this strategy fails to translate into meaningful profitability as evidenced by a stagnant 0.8% net interest margin.
- While the bank maintains a solid 0.19 equity-to-assets ratio, the reliance on non-operating balance sheet movements to drive cash flow suggests significant underlying structural constraints.
- Investors should monitor the bank's ability to pivot toward organic loan growth, as current earnings remain highly sensitive to volatile credit provisioning and high fixed-cost overheads.
Verdict Logic
while the bank maintains a stable 0.19 equity-to-assets ratio, the lack of core earnings power and a TTM P/E of 1005.84 suggest that the current valuation is not supported by fundamental profitability.
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%
TTM139.33%
EPS CAGR
10 Years-
5 Years-43.18%
3 Years-73.74%
TTM36.46%
Return on Capital
10 Years2.55%
5 Years3.35%
3 Years1.73%
Last Year0.02%
MBBC Recent Earnings
Marathon Bancorp, Inc. (MBBC) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 13, 2026Metric
Actual
Est
EPS
$0.18
—
Rev
$3.0B
—
Q1 2026
Feb 11, 2026Metric
Actual
Est
EPS
$0.19
—
Rev
$3M
—
Q4 2025
Nov 12, 2025Metric
Actual
Est
EPS
$0.17
—
Rev
$3M
—
Q4 2025
Sep 26, 2025Metric
Actual
Est
EPS
$0.16
—
Rev
$3M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 13, 2026 | $0.18 | $3.0B |
| Q1 2026 | Feb 11, 2026 | $0.19 | $3M |
| Q4 2025 | Nov 12, 2025 | $0.17 | $3M |
| Q4 2025 | Sep 26, 2025 | $0.16 | $3M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Marathon Bancorp, Inc. (MBBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $15.15 | $44.7M | 983.77 | 1.41% | 0.41% | 0.11% | — | |
| $74.73 | $360.19M | 23.88 | -6.46% | 12.83% | 7.33% | — | |
| $23.10 | $222.78M | 15.82 | -9.41% | 16.49% | 8% | — | |
| $27.68 | $382.93M | 8.52 | -1.55% | 28.51% | 12.62% | — | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $29.64 | $267.97M | 15.12 | 27.11% | 18.05% | 11.51% | — |
Compare MBBC vs Peers
Marathon Bancorp, Inc. (MBBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
MBBC SEC Filings & Documents
Marathon Bancorp, Inc. (MBBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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MBBC Frequently Asked Questions
Marathon Bancorp, Inc. (MBBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Marathon Bancorp, Inc. growing?
Marathon Bancorp, Inc. (MBBC) grew revenue by 1.4% over the past year. Growth has been modest.
Is MBBC profitable?
Yes, Marathon Bancorp, Inc. (MBBC) is profitable, generating $1.1M in net income for fiscal year 2025 (0.4% net margin).
Dividend & Returns
What is MBBC's return on equity?
Marathon Bancorp, Inc. (MBBC) has a return on equity (ROE) of 0.1%. This is below average, suggesting room for improvement.
Industry Metrics
What is Marathon Bancorp, Inc.'s net interest margin?
Marathon Bancorp, Inc. (MBBC) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
What is Marathon Bancorp, Inc.'s efficiency ratio?
Marathon Bancorp, Inc. (MBBC) has an efficiency ratio of 66.7%. This is higher than peers, suggesting room for cost optimization.