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Marathon Bancorp, Inc. /MD/ (MBBC) Financials

$15.19 +0.06 (+0.39%)
Closing price 03:54 PM Eastern
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$15.07 -0.12 (-0.78%)
As of 04:10 PM Eastern
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Annual Income Statements for Marathon Bancorp, Inc. /MD/

Annual Income Statements for Marathon Bancorp, Inc. /MD/

This table shows Marathon Bancorp, Inc. /MD/'s income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 0.42 1.37 1.33 1.67 -0.19 0.04
Consolidated Net Income / (Loss)		 0.42 1.37 1.33 1.67 -0.19 0.04
Net Income / (Loss) Continuing Operations		 0.42 1.37 1.33 1.67 -0.19 0.04
Total Pre-Tax Income 		0.51 1.85 1.77 2.12 -0.25 0.01
Total Revenue		 5.56 7.29 7.33 8.00 6.57 6.79
Net Interest Income / (Expense)		 4.55 5.39 6.21 6.70 5.84 6.04
Total Interest Income		 5.91 6.48 7.16 8.98 9.43 9.55
Loans and Leases Interest Income		 5.28 6.09 6.76 8.18 8.64 8.65
Investment Securities Interest Income		 0.53 0.36 0.33 0.25 0.21 0.17
Other Interest Income		 0.09 0.03 0.07 0.55 0.58 0.73
Total Interest Expense		 1.36 1.09 0.95 2.28 3.59 3.51
Deposits Interest Expense		 1.33 1.05 0.94 2.18 2.94 3.04
Long-Term Debt Interest Expense		 0.02 0.04 0.01 0.10 0.65 0.47
Total Non-Interest Income		 1.01 1.90 1.12 1.30 0.73 0.75
Service Charges on Deposit Accounts		 0.18 0.17 0.17 0.15 0.13 0.11
Other Service Charges		 0.06 0.03 0.02 0.03 0.03 0.07
Other Non-Interest Income		 0.77 1.69 0.91 0.59 0.57 0.56
Provision for Credit Losses		 0.15 0.00 0.00 0.00 -0.19 -0.09
Total Non-Interest Expense		 4.90 5.44 5.56 5.88 7.00 6.87
Salaries and Employee Benefits		 3.02 3.35 3.14 3.30 3.08 3.65
Net Occupancy & Equipment Expense		 1.09 1.13 1.10 1.13 1.31 1.37
Marketing Expense		 0.06 0.06 0.08 0.09 0.06 0.04
Property & Liability Insurance Claims		 - - - 0.06 0.13 0.10
Other Operating Expenses		 0.73 0.90 1.24 1.31 2.43 1.73
Income Tax Expense		 0.09 0.48 0.44 0.44 -0.06 -0.03
Basic Earnings per Share		 $0.00 $0.64 $0.62 $0.79 ($0.07) $0.02
Weighted Average Basic Shares Outstanding		 0.00 2.14M 2.15M 2.11M 2.80M 2.76M
Diluted Earnings per Share		 $0.00 $0.64 $0.62 $0.79 ($0.07) $0.02
Weighted Average Diluted Shares Outstanding		 0.00 2.14M 2.15M 2.11M 2.80M 2.76M
Weighted Average Basic & Diluted Shares Outstanding		 0.00 2.14M 2.27M 2.16M 2.14M 2.94M

Quarterly Income Statements for Marathon Bancorp, Inc. /MD/

This table shows Marathon Bancorp, Inc. /MD/'s income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 0.09 0.27 -0.63 0.09 0.17 0.05 0.15 -0.33 0.44 0.50 0.49
Consolidated Net Income / (Loss)		 0.09 0.27 -0.63 0.09 0.17 0.05 0.15 -0.33 0.44 0.50 0.49
Net Income / (Loss) Continuing Operations		 0.09 0.27 -0.63 0.09 0.17 0.05 0.15 -0.33 0.44 0.50 0.49
Total Pre-Tax Income 		0.29 0.24 -0.83 0.06 0.22 0.05 0.19 -0.45 0.55 0.59 0.61
Total Revenue		 1.79 1.66 1.55 1.56 1.61 1.59 1.67 1.92 2.14 2.25 2.30
Net Interest Income / (Expense)		 1.56 1.49 1.40 1.39 1.42 1.41 1.46 1.75 1.95 2.06 2.06
Total Interest Income		 2.41 2.40 2.32 2.30 2.31 2.27 2.33 2.64 2.88 2.95 2.97
Loans and Leases Interest Income		 2.18 2.19 2.14 2.13 2.08 2.04 2.14 2.40 2.62 2.76 2.80
Investment Securities Interest Income		 0.06 0.06 0.05 0.05 0.05 0.04 0.04 0.04 0.06 0.03 0.03
Other Interest Income		 0.17 0.16 0.14 0.12 0.19 0.18 0.16 0.20 0.20 0.16 0.14
Total Interest Expense		 0.84 0.92 0.92 0.92 0.89 0.86 0.87 0.88 0.92 0.89 0.91
Deposits Interest Expense		 0.76 0.76 0.70 0.72 0.77 0.76 0.76 0.75 0.78 0.75 0.70
Long-Term Debt Interest Expense		 0.08 0.16 0.21 0.20 0.12 0.10 0.11 0.14 0.14 0.14 0.21
Total Non-Interest Income		 0.23 0.18 0.15 0.17 0.19 0.18 0.21 0.17 0.19 0.19 0.25
Service Charges on Deposit Accounts		 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.03 0.03 0.03 0.02
Other Service Charges		 0.01 0.01 0.01 0.01 0.01 0.01 0.05 0.00 0.01 0.02 0.08
Other Non-Interest Income		 0.19 0.14 0.11 0.14 0.15 0.14 0.13 0.14 0.15 0.14 0.14
Provision for Credit Losses		 0.04 -0.14 -0.12 0.03 -0.16 0.01 -0.04 0.10 -0.04 0.03 0.01
Total Non-Interest Expense		 1.46 1.55 2.51 1.48 1.55 1.53 1.52 2.28 1.64 1.63 1.69
Salaries and Employee Benefits		 0.77 0.76 0.80 0.74 0.84 0.83 0.80 1.18 0.90 0.90 0.95
Net Occupancy & Equipment Expense		 0.28 0.32 0.36 0.35 0.36 0.31 0.35 0.35 0.32 0.24 0.32
Marketing Expense		 0.02 0.02 0.02 0.01 0.01 0.01 0.01 0.00 0.02 0.02 0.01
Other Operating Expenses		 0.40 0.45 1.33 0.25 0.35 0.37 0.36 0.65 0.40 0.46 0.40
Income Tax Expense		 0.20 -0.03 -0.20 -0.03 0.04 0.00 0.05 -0.12 0.10 0.09 0.12
Basic Earnings per Share		 $0.04 $0.13 ($0.31) $0.07 $0.06 $0.02 $0.05 ($0.17) $0.17 $0.19 $0.18
Weighted Average Basic Shares Outstanding		 2.04M 2.04M 2.05M 2.80M 2.79M 2.79M 2.80M 2.76M 2.68M 2.69M 2.69M
Diluted Earnings per Share		 $0.04 $0.13 ($0.31) $0.07 $0.06 $0.02 $0.05 ($0.17) $0.17 $0.19 $0.18
Weighted Average Diluted Shares Outstanding		 2.05M 2.04M 2.05M 2.80M 2.79M 2.79M 2.83M 2.76M 2.69M 2.70M 2.74M
Weighted Average Basic & Diluted Shares Outstanding		 2.16M - 2.15M 2.14M 2.13M 2.14M 2.94M 2.94M 2.94M 2.94M 2.95M

Annual Cash Flow Statements for Marathon Bancorp, Inc. /MD/

This table details how cash moves in and out of Marathon Bancorp, Inc. /MD/'s business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Net Change in Cash & Equivalents		 22 22 -38 3.35 -1.30 3.91
Net Cash From Operating Activities		 1.06 1.03 0.83 1.99 0.42 1.45
Net Cash From Continuing Operating Activities		 1.06 1.03 0.83 1.99 0.42 1.45
Net Income / (Loss) Continuing Operations		 0.42 1.37 1.33 1.67 -0.19 0.04
Consolidated Net Income / (Loss)		 0.42 1.37 1.33 1.67 -0.19 0.04
Provision For Loan Losses		 0.15 - 0.00 0.00 0.75 0.28
Depreciation Expense		 0.18 0.21 0.21 0.21 0.24 0.30
Amortization Expense		 0.10 -0.30 -0.42 0.05 0.03 -0.01
Non-Cash Adjustments to Reconcile Net Income		 -0.07 0.29 0.17 -0.35 -0.19 -0.06
Changes in Operating Assets and Liabilities, net		 0.29 -0.54 -0.47 0.42 -0.23 0.90
Net Cash From Investing Activities		 3.48 -21 -44 -14 18 -16
Net Cash From Continuing Investing Activities		 3.48 -21 -44 -14 18 -16
Purchase of Property, Leasehold Improvements and Equipment		 -0.29 -0.09 -0.03 -0.07 -2.26 -0.18
Purchase of Investment Securities		 -4.74 -28 -47 -15 14 -17
Sale and/or Maturity of Investments		 9.32 7.31 3.18 2.03 2.30 1.74
Other Investing Activities, net		 -0.80 -0.12 0.12 -1.82 3.56 0.06
Net Cash From Financing Activities		 17 42 5.77 16 -19 18
Net Cash From Continuing Financing Activities		 17 42 5.77 16 -19 18
Net Change in Deposits		 2.75 38 16 9.15 -24 2.26
Issuance of Debt		 8.00 4.00 0.00 8.00 5.00 5.00
Issuance of Common Equity		 0.00 8.51 - - 0.00 15
Repayment of Debt		 6.37 -8.00 -10 - 0.00 -4.35
Repurchase of Common Equity		 - - 0.00 -1.37 -0.16 -0.08
Other Financing Activities, Net		 0.00 -0.87 - - 0.00 0.01
Cash Interest Paid		 1.36 1.07 0.94 2.23 3.38 3.52
Cash Income Taxes Paid		 0.00 0.01 0.08 0.16 0.26 0.00

Quarterly Cash Flow Statements for Marathon Bancorp, Inc. /MD/

This table details how cash moves in and out of Marathon Bancorp, Inc. /MD/'s business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -4.79 1.14 -0.04 2.39 4.55 1.15 7.50 -9.29 1.07 -1.80 -0.03
Net Cash From Operating Activities		 0.37 0.62 -0.80 0.23 0.95 0.11 0.85 -0.46 0.46 1.41 0.13
Net Cash From Continuing Operating Activities		 0.37 0.62 -0.80 0.23 0.95 0.11 0.85 -0.46 0.46 1.41 0.13
Net Income / (Loss) Continuing Operations		 0.09 0.27 -0.63 0.09 0.17 0.05 0.15 -0.33 0.44 0.50 0.49
Consolidated Net Income / (Loss)		 0.09 0.27 -0.63 0.09 0.17 0.05 0.15 -0.33 0.44 0.50 0.49
Provision For Loan Losses		 0.04 -0.14 0.82 0.03 -0.16 0.01 -0.04 0.47 -0.04 0.03 0.01
Depreciation Expense		 0.04 0.05 0.08 0.07 0.07 0.07 0.07 0.08 0.07 0.07 0.07
Amortization Expense		 0.01 0.01 0.01 -0.00 0.00 0.00 -0.01 0.00 -0.03 -0.02 -0.02
Non-Cash Adjustments to Reconcile Net Income		 0.13 -0.02 -0.21 -0.10 0.02 -0.04 0.09 -0.13 0.03 -0.06 0.01
Changes in Operating Assets and Liabilities, net		 0.05 0.44 -0.87 0.15 0.83 0.02 0.59 -0.55 -0.01 0.89 -0.43
Net Cash From Investing Activities		 -1.52 2.78 7.43 9.02 7.46 -0.22 -11 -12 -5.87 -3.88 -1.01
Net Cash From Continuing Investing Activities		 -1.52 2.78 7.43 9.02 7.46 -0.22 -11 -12 -5.87 -3.88 -1.01
Purchase of Property, Leasehold Improvements and Equipment		 -1.65 -0.35 -0.25 -0.02 -0.02 -0.01 -0.08 -0.07 -0.01 -0.01 -0.02
Purchase of Investment Securities		 -0.05 -0.34 6.03 8.47 7.46 -0.77 -12 -12 -5.39 -5.67 0.07
Sale and/or Maturity of Investments		 0.36 4.48 -2.89 0.35 0.15 0.36 1.13 0.10 0.11 1.16 0.08
Other Investing Activities, net		 -0.18 -1.01 4.53 0.22 -0.12 0.21 -0.21 0.19 -0.58 0.64 -1.14
Net Cash From Financing Activities		 -3.65 -2.26 -6.67 -6.86 -3.86 1.25 18 3.05 6.48 0.67 0.85
Net Cash From Continuing Financing Activities		 -3.65 -2.26 -6.67 -6.86 -3.86 1.25 18 3.05 6.48 0.67 0.85
Net Change in Deposits		 -8.65 -9.26 -9.67 3.30 -0.82 1.25 13 -11 6.48 -3.33 -4.24
Issuance of Debt		 5.00 7.00 3.00 -10 - - 2.00 3.00 - - 5.00
Cash Interest Paid		 0.77 0.79 0.71 1.10 1.13 0.15 1.25 1.00 0.85 1.02 0.93
Cash Income Taxes Paid		 0.19 - - 0.07 0.00 - - - 0.09 0.06 0.04

Annual Balance Sheets for Marathon Bancorp, Inc. /MD/

This table presents Marathon Bancorp, Inc. /MD/'s assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Total Assets		 171 214 221 239 219 239
Cash and Due from Banks		 3.61 1.99 2.42 2.27 2.98 2.24
Federal Funds Sold		 21 44 6.01 9.50 7.50 12
Interest Bearing Deposits at Other Banks		 1.94 2.06 1.95 3.76 0.20 0.24
Trading Account Securities		 18 12 11 9.44 7.12 5.69
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 1.97 1.85 1.68 2.13 4.09 3.88
Other Assets		 7.69 7.88 12 14 197 215
Total Liabilities & Shareholders' Equity		 171 214 221 239 219 239
Total Liabilities		 150 184 189 207 188 193
Non-Interest Bearing Deposits		 12 24 24 26 23 22
Interest Bearing Deposits		 122 148 164 171 150 153
Long-Term Debt		 8.00 - 0.00 8.00 13 15
Other Long-Term Liabilities		 1.48 1.45 1.18 2.24 2.02 2.88
Commitments & Contingencies		 - - - - - 0.00
Total Equity & Noncontrolling Interests		 21 30 31 31 31 46
Total Preferred & Common Equity		 21 30 31 31 31 46
Preferred Stock		 - 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 21 30 31 31 31 46
Common Stock		 0.00 8.51 8.51 7.27 7.28 23
Retained Earnings		 21 22 24 26 26 26
Accumulated Other Comprehensive Income / (Loss)		 0.07 0.12 -0.37 -0.78 -0.75 -0.49
Other Equity Adjustments		 0.00 -0.87 -0.82 -0.79 -0.75 -2.05

Quarterly Balance Sheets for Marathon Bancorp, Inc. /MD/

This table presents Marathon Bancorp, Inc. /MD/'s assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 12/31/2023 3/31/2024 9/30/2024 12/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
Total Assets		 234 226 216 218 237 246 248 249
Cash and Due from Banks		 2.79 2.64 1.96 2.82 1.71 2.41 2.17 2.10
Federal Funds Sold		 5.33 5.45 13 13 22 13 11 12
Interest Bearing Deposits at Other Banks		 4.95 0.42 0.32 0.11 0.33 0.82 0.18 1.32
Trading Account Securities		 8.05 7.43 7.10 6.74 5.68 5.65 4.53 4.45
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 3.97 4.12 4.01 3.95 3.92 3.79 3.71 3.62
Other Assets		 209 206 190 191 203 220 226 226
Total Liabilities & Shareholders' Equity		 234 226 216 218 237 246 248 249
Total Liabilities		 202 195 185 186 205 200 201 201
Non-Interest Bearing Deposits		 25 24 23 23 22 23 21 21
Interest Bearing Deposits		 154 145 149 150 164 159 157 153
Long-Term Debt		 20 23 10 10 15 15 19 24
Other Long-Term Liabilities		 2.91 1.86 2.70 2.83 3.88 2.99 3.74 3.34
Commitments & Contingencies		 - - 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 32 31 32 32 32 46 47 48
Total Preferred & Common Equity		 32 31 32 32 32 46 47 48
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 32 31 32 32 32 46 47 48
Common Stock		 7.35 7.39 7.27 7.30 7.36 23 23 23
Retained Earnings		 26 25 26 26 26 26 27 27
Accumulated Other Comprehensive Income / (Loss)		 -0.82 -0.79 -0.64 -0.63 -0.58 -0.43 -0.40 -0.40
Other Equity Adjustments		 -0.77 -0.76 -0.74 -0.73 -0.73 -2.03 -2.01 -1.98

Annual Metrics And Ratios for Marathon Bancorp, Inc. /MD/

This table displays calculated financial ratios and metrics derived from Marathon Bancorp, Inc. /MD/'s official financial filings.

Metric 2020 2021 2022 2023 2024 2025
Period end date 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
DEI Shares Outstanding		 0.00 2,229,497.00 2,229,497.00 2,153,156.00 2,147,497.00 2,941,927.00
DEI Adjusted Shares Outstanding		 0.00 2,229,497.00 2,229,497.00 2,153,156.00 2,147,497.00 2,941,927.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.62 0.60 0.78 -0.09 0.01
Growth Metrics		 - - - - - -
Revenue Growth		 0.00% 31.14% 0.54% 9.19% -17.94% 3.44%
EBITDA Growth		 0.00% 126.96% -11.22% 51.76% -98.70% 869.89%
EBIT Growth		 0.00% 266.14% -4.25% 19.45% -111.63% 104.43%
NOPAT Growth		 0.00% 228.59% -2.79% 25.27% -110.30% 124.64%
Net Income Growth		 0.00% 228.59% -2.79% 25.27% -111.18% 122.70%
EPS Growth		 0.00% 0.00% -3.13% 27.42% -108.86% 128.57%
Operating Cash Flow Growth		 0.00% -3.04% -20.00% 140.95% -79.06% 247.74%
Free Cash Flow Firm Growth		 0.00% 0.00% 379.92% -161.78% 18.73% -215.60%
Invested Capital Growth		 0.00% 14.40% -22.37% 25.80% 12.77% 37.06%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 3.18% -8.05% 5.64%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 6.54% -95.17% -62.13%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 8.08% -166.76% -97.90%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 7.03% -177.95% -90.78%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 7.03% -184.62% -90.78%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 8.22% -170.00% -91.67%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% 33.30% -54.75% -32.21%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 72.22% -310.33%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 11.01% -18.39% 29.30%
Profitability Metrics		 - - - - - -
EBITDA Margin		 13.97% 24.17% 21.34% 29.66% 0.47% 4.41%
EBIT Margin		 9.09% 25.39% 24.18% 26.46% -3.75% 0.16%
Profit (Net Income) Margin		 7.52% 18.84% 18.22% 20.90% -2.85% 0.63%
Tax Burden Percent		 82.67% 74.19% 75.32% 78.99% 75.98% 389.76%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.33% 25.81% 24.68% 21.01% 0.00% -289.76%
Return on Invested Capital (ROIC)		 1.19% 3.64% 3.74% 4.74% -0.41% 0.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.19% 3.64% 3.74% 4.74% -0.55% 0.08%
Return on Net Nonoperating Assets (RNNOA)		 0.82% 1.78% 0.63% 0.61% -0.19% 0.03%
Return on Equity (ROE)		 2.01% 5.42% 4.37% 5.35% -0.60% 0.11%
Cash Return on Invested Capital (CROIC)		 0.00% -9.79% 28.92% -18.11% -12.41% -31.18%
Operating Return on Assets (OROA)		 0.30% 0.96% 0.82% 0.92% -0.11% 0.00%
Return on Assets (ROA)		 0.24% 0.71% 0.61% 0.73% -0.08% 0.02%
Return on Common Equity (ROCE)		 2.01% 5.42% 4.37% 5.35% -0.60% 0.11%
Return on Equity Simple (ROE_SIMPLE)		 2.01% 4.60% 4.27% 5.35% -0.60% 0.09%
Net Operating Profit after Tax (NOPAT)		 0.42 1.37 1.33 1.67 -0.17 0.04
NOPAT Margin		 7.52% 18.84% 18.22% 20.90% -2.62% 0.63%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.14% 0.00%
SG&A Expenses to Revenue		 75.14% 62.31% 58.92% 56.43% 67.77% 74.40%
Operating Expenses to Revenue		 88.21% 74.61% 75.82% 73.54% 106.64% 101.22%
Earnings before Interest and Taxes (EBIT)		 0.51 1.85 1.77 2.12 -0.25 0.01
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 0.78 1.76 1.56 2.37 0.03 0.30
Valuation Ratios		 - - - - - -
Price to Book Value (P/BV)		 0.00 0.76 0.75 0.63 0.59 0.60
Price to Tangible Book Value (P/TBV)		 0.00 0.76 0.75 0.63 0.59 0.60
Price to Revenue (P/Rev)		 0.00 3.09 3.19 2.48 2.80 4.05
Price to Earnings (P/E)		 0.00 16.42 17.49 11.86 0.00 648.56
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 36.78%
Earnings Yield		 0.00% 6.09% 5.72% 8.43% 0.00% 0.15%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.42 0.31 0.47 0.46
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 1.77 1.54 3.15 4.11
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 8.29 5.18 669.42 93.10
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 7.32 5.81 0.00 2,562.46
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 9.71 7.36 0.00 657.44
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 15.71 6.18 49.66 19.26
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 1.25 0.00 0.00 0.00
Leverage & Solvency		 - - - - - -
Debt to Equity		 0.69 0.35 0.00 0.26 0.42 0.33
Long-Term Debt to Equity		 0.38 0.00 0.00 0.26 0.42 0.33
Financial Leverage		 0.69 0.49 0.17 0.13 0.34 0.36
Leverage Ratio		 8.21 7.59 7.11 7.35 7.32 5.95
Compound Leverage Factor		 8.21 7.59 7.11 7.35 7.32 5.95
Debt to Total Capital		 40.89% 25.79% 0.00% 20.37% 29.35% 24.71%
Short-Term Debt to Total Capital		 18.13% 25.79% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 22.75% 0.00% 0.00% 20.37% 29.35% 24.71%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 59.11% 74.21% 100.00% 79.63% 70.65% 75.29%
Debt to EBITDA		 18.52 5.89 0.00 3.37 420.66 50.04
Net Debt to EBITDA		 -15.26 -21.42 0.00 -3.18 75.32 1.26
Long-Term Debt to EBITDA		 10.31 0.00 0.00 3.37 420.66 50.04
Debt to NOPAT		 34.40 7.55 0.00 4.78 -75.46 353.40
Net Debt to NOPAT		 -28.34 -27.49 0.00 -4.51 -13.51 8.88
Long-Term Debt to NOPAT		 19.14 0.00 0.00 4.78 -75.46 353.40
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - -
Cash Flow Metrics		 - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -3.69 10 -6.38 -5.19 -16
Operating Cash Flow to CapEx		 364.16% 1,166.41% 2,421.34% 3,043.20% 18.39% 809.03%
Free Cash Flow to Firm to Interest Expense		 0.00 -3.38 10.90 -2.80 -1.44 -4.67
Operating Cash Flow to Interest Expense		 0.78 0.95 0.87 0.87 0.12 0.41
Operating Cash Flow Less CapEx to Interest Expense		 0.57 0.86 0.84 0.84 -0.51 0.36
Efficiency Ratios		 - - - - - -
Asset Turnover		 0.03 0.04 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 2.82 3.82 4.16 4.21 2.11 1.70
Capital & Investment Metrics		 - - - - - -
Invested Capital		 35 40 31 39 44 61
Invested Capital Turnover		 0.16 0.19 0.21 0.23 0.16 0.13
Increase / (Decrease) in Invested Capital		 0.00 5.06 -9.00 8.06 5.02 16
Enterprise Value (EV)		 0.00 -15 13 12 21 28
Market Capitalization		 0.00 23 23 20 18 28
Book Value per Share		 $0.00 $13.93 $14.01 $14.53 $14.57 $15.54
Tangible Book Value per Share		 $0.00 $13.93 $14.01 $14.53 $14.57 $15.54
Total Capital		 35 40 31 39 44 61
Total Debt		 14 10 0.00 8.00 13 15
Total Long-Term Debt		 8.00 0.00 0.00 8.00 13 15
Net Debt		 -12 -38 -10 -7.54 2.33 0.38
Capital Expenditures (CapEx)		 0.29 0.09 0.03 0.07 2.26 0.18
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.01 0.00
Net Nonoperating Obligations (NNO)		 14 10 0.00 8.00 13 15
Total Depreciation and Amortization (D&A)		 0.27 -0.09 -0.21 0.26 0.28 0.29
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.64 $0.62 $0.79 ($0.09) $0.02
Adjusted Weighted Average Basic Shares Outstanding		 0.00 2.23M 2.15M 2.11M 2.04M 2.76M
Adjusted Diluted Earnings per Share		 $0.00 $0.64 $0.62 $0.79 ($0.09) $0.02
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 2.23M 2.15M 2.11M 2.04M 2.76M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.64 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 2.14M 2.27M 2.16M 2.14M 2.94M
Normalized Net Operating Profit after Tax (NOPAT)		 0.42 1.37 1.33 1.67 -0.17 0.01
Normalized NOPAT Margin		 7.52% 18.84% 18.22% 20.90% -2.62% 0.11%
Pre Tax Income Margin		 9.09% 25.39% 24.18% 26.46% -3.75% 0.16%
Debt Service Ratios		 - - - - - -
EBIT to Interest Expense		 0.37 1.70 1.87 0.93 -0.07 0.00
NOPAT to Interest Expense		 0.31 1.26 1.41 0.73 -0.05 0.01
EBIT Less CapEx to Interest Expense		 0.16 1.62 1.83 0.90 -0.70 -0.05
NOPAT Less CapEx to Interest Expense		 0.09 1.18 1.37 0.71 -0.68 -0.04
Payout Ratios		 - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 82.04% -83.54% 193.58%

Quarterly Metrics And Ratios for Marathon Bancorp, Inc. /MD/

This table displays calculated financial ratios and metrics derived from Marathon Bancorp, Inc. /MD/'s official financial filings.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 2,157,497.00 2,157,497.00 2,157,497.00 2,147,497.00 2,135,412.00 2,134,487.00 2,135,761.00 2,941,927.00 2,938,698.00 2,938,620.00 2,938,620.00
DEI Adjusted Shares Outstanding		 2,157,497.00 2,157,497.00 2,157,497.00 2,147,497.00 2,135,412.00 2,134,487.00 2,135,761.00 2,941,927.00 2,938,698.00 2,938,620.00 2,938,620.00
DEI Earnings Per Adjusted Shares Outstanding		 0.04 0.13 -0.29 0.04 0.08 0.02 0.07 -0.11 0.15 0.17 0.17
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -13.58% -11.73% -18.72% -26.94% -9.95% -4.57% 7.55% 23.24% 32.81% 41.69% 37.93%
EBITDA Growth		 -50.27% -40.75% -270.33% -82.94% -16.97% -57.76% 134.01% -392.62% 104.28% 402.37% 162.43%
EBIT Growth		 -54.18% -38.18% -296.75% -91.46% -25.09% -78.33% 123.23% -885.77% 153.97% 1,018.04% 214.21%
NOPAT Growth		 -83.14% -9.72% -259.66% -82.62% 102.92% -81.21% 125.42% -467.83% 154.02% 880.69% 228.74%
Net Income Growth		 -83.14% -9.72% -272.58% -82.62% 102.92% -81.21% 123.51% -486.77% 154.02% 880.69% 228.74%
EPS Growth		 -83.33% -7.14% -282.35% -70.83% 50.00% -84.62% 116.13% -342.86% 183.33% 850.00% 260.00%
Operating Cash Flow Growth		 -75.16% 221.10% -372.80% -68.75% 157.78% -81.76% 205.85% -300.56% -50.92% 1,143.93% -85.19%
Free Cash Flow Firm Growth		 85.28% 201.85% 44.37% 34.81% 258.46% -232.21% 138.36% -239.39% -284.74% 43.08% -422.45%
Invested Capital Growth		 14.75% 0.00% 53.40% 12.77% -19.77% 0.00% -13.49% 37.06% 47.35% 58.06% 52.35%
Revenue Q/Q Growth		 -16.09% -7.21% -6.64% 0.51% 3.42% -1.67% 5.22% 15.17% 11.45% 4.90% 2.43%
EBITDA Q/Q Growth		 -53.03% -12.41% -345.39% 116.89% 128.67% -55.44% 97.61% -245.33% 259.63% 9.58% 3.23%
EBIT Q/Q Growth		 -57.20% -15.56% -443.38% 106.88% 275.43% -75.57% 268.09% -332.76% 221.34% 7.54% 3.45%
NOPAT Q/Q Growth		 -82.54% 215.67% -314.57% 114.70% 103.77% -70.77% 190.26% -312.75% 240.72% 12.85% -2.70%
Net Income Q/Q Growth		 -82.54% 215.67% -331.95% 113.60% 103.77% -70.77% 190.26% -323.71% 233.83% 12.85% -2.70%
EPS Q/Q Growth		 -83.33% 225.00% -338.46% 122.58% -14.29% -66.67% 150.00% -342.86% 200.00% 11.76% -5.26%
Operating Cash Flow Q/Q Growth		 -49.98% 69.89% -228.76% 128.55% 312.70% -87.98% 647.22% -154.10% 201.01% 204.63% -91.11%
Free Cash Flow Firm Q/Q Growth		 13.04% 578.92% -161.86% 74.69% 311.38% -499.57% 117.95% -323.90% -15.06% -23.12% -1.66%
Invested Capital Q/Q Growth		 31.96% -100.00% 0.00% -18.39% -6.11% 0.23% 12.64% 29.30% 0.94% 7.51% 8.58%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 19.26% 18.18% -47.78% 8.03% 17.75% 8.05% 15.11% -19.07% 27.31% 28.53% 28.75%
EBIT Margin		 16.06% 14.61% -53.74% 3.68% 13.36% 3.32% 11.61% -23.46% 25.54% 26.19% 26.45%
Profit (Net Income) Margin		 4.81% 16.37% -40.66% 5.50% 10.84% 3.22% 8.89% -17.27% 20.74% 22.31% 21.19%
Tax Burden Percent		 29.96% 112.02% 75.67% 149.53% 81.16% 97.11% 76.58% 73.61% 81.18% 85.18% 80.12%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 70.04% -12.02% 0.00% -49.53% 18.84% 2.89% 23.42% 0.00% 18.82% 14.82% 19.88%
Return on Invested Capital (ROIC)		 0.77% 0.00% -5.99% 0.86% 1.48% 0.98% 1.13% -2.12% 2.95% 3.31% 3.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.77% 0.00% -6.33% 0.86% 1.48% 0.98% 1.13% -2.24% 2.95% 3.31% 3.08%
Return on Net Nonoperating Assets (RNNOA)		 0.41% 0.00% -2.87% 0.29% 0.70% 0.31% 0.68% -0.81% 0.95% 1.22% 1.51%
Return on Equity (ROE)		 1.18% 0.00% -8.87% 1.15% 2.18% 1.28% 1.81% -2.94% 3.90% 4.53% 4.59%
Cash Return on Invested Capital (CROIC)		 -11.16% 0.00% -41.66% -12.41% 21.46% -201.71% 15.38% -31.18% -37.68% -43.58% -39.63%
Operating Return on Assets (OROA)		 0.53% 0.00% -1.65% 0.11% 0.38% 0.10% 0.32% -0.70% 0.81% 0.90% 0.94%
Return on Assets (ROA)		 0.16% 0.00% -1.25% 0.16% 0.31% 0.09% 0.25% -0.51% 0.66% 0.76% 0.75%
Return on Common Equity (ROCE)		 1.18% 0.00% -8.87% 1.15% 2.18% 1.28% 1.81% -2.94% 3.90% 4.53% 4.59%
Return on Equity Simple (ROE_SIMPLE)		 3.92% 0.00% 0.71% 0.00% -0.31% -1.01% 1.44% 0.00% 0.67% 1.63% 2.32%
Net Operating Profit after Tax (NOPAT)		 0.09 0.27 -0.58 0.09 0.17 0.05 0.15 -0.32 0.44 0.50 0.49
NOPAT Margin		 4.81% 16.37% -37.62% 5.50% 10.84% 3.22% 8.89% -16.42% 20.74% 22.31% 21.19%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.34% 0.00% 0.00% 0.00% 0.00% 0.12% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 59.58% 66.44% 76.10% 70.30% 74.70% 73.02% 69.25% 79.78% 57.62% 51.72% 55.87%
Operating Expenses to Revenue		 81.65% 93.51% 161.60% 94.65% 96.25% 96.18% 90.90% 118.52% 76.32% 72.35% 73.34%
Earnings before Interest and Taxes (EBIT)		 0.29 0.24 -0.83 0.06 0.22 0.05 0.19 -0.45 0.55 0.59 0.61
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 0.34 0.30 -0.74 0.13 0.29 0.13 0.25 -0.37 0.59 0.64 0.66
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.55 0.00 0.46 0.59 0.58 0.90 0.86 0.60 0.61 0.70 0.78
Price to Tangible Book Value (P/TBV)		 0.55 0.00 0.46 0.59 0.58 0.90 0.86 0.60 0.61 0.70 0.78
Price to Revenue (P/Rev)		 2.25 2.55 2.00 2.80 2.87 4.51 4.29 4.05 3.83 4.11 4.31
Price to Earnings (P/E)		 13.95 15.68 64.65 0.00 0.00 0.00 59.97 648.56 89.99 43.06 33.71
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 36.78% 35.12% 30.13% 27.08%
Earnings Yield		 7.17% 6.38% 1.55% 0.00% 0.00% 0.00% 1.67% 0.15% 1.11% 2.32% 2.97%
Enterprise Value to Invested Capital (EV/IC)		 0.47 0.00 0.53 0.47 0.31 0.53 0.40 0.46 0.44 0.58 0.65
Enterprise Value to Revenue (EV/Rev)		 3.15 0.00 4.03 3.15 2.03 3.52 2.89 4.11 3.66 4.76 5.36
Enterprise Value to EBITDA (EV/EBITDA)		 12.01 0.00 44.97 669.42 0.00 0.00 23.51 93.10 44.75 34.16 30.35
Enterprise Value to EBIT (EV/EBIT)		 13.69 0.00 78.08 0.00 0.00 0.00 35.83 2,562.46 78.15 43.23 35.70
Enterprise Value to NOPAT (EV/NOPAT)		 19.50 0.00 130.25 0.00 0.00 0.00 40.42 657.44 85.89 49.84 41.93
Enterprise Value to Operating Cash Flow (EV/OCF)		 27.66 0.00 31.27 49.66 13.04 45.72 8.71 19.26 27.69 16.76 29.92
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 1.29 0.00 2.39 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.63 0.00 0.74 0.42 0.32 0.32 0.47 0.33 0.32 0.41 0.50
Long-Term Debt to Equity		 0.63 0.00 0.74 0.42 0.32 0.32 0.47 0.33 0.32 0.41 0.50
Financial Leverage		 0.54 0.00 0.45 0.34 0.47 0.32 0.60 0.36 0.32 0.37 0.49
Leverage Ratio		 7.46 0.00 7.53 7.32 7.10 6.88 7.32 5.95 5.94 5.93 6.11
Compound Leverage Factor		 7.46 0.00 7.53 7.32 7.10 6.88 7.32 5.95 5.94 5.93 6.11
Debt to Total Capital		 38.59% 0.00% 42.37% 29.35% 24.05% 23.99% 31.95% 24.71% 24.48% 28.84% 33.55%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 38.59% 0.00% 42.37% 29.35% 24.05% 23.99% 31.95% 24.71% 24.48% 28.84% 33.55%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 61.41% 0.00% 57.63% 70.65% 75.95% 76.01% 68.05% 75.29% 75.52% 71.16% 66.45%
Debt to EBITDA		 9.88 0.00 35.93 420.66 -361.83 -49.46 18.95 50.04 25.07 17.09 15.77
Net Debt to EBITDA		 3.42 0.00 22.65 75.32 193.27 31.08 -11.37 1.26 -2.14 4.65 5.95
Long-Term Debt to EBITDA		 9.88 0.00 35.93 420.66 -361.83 -49.46 18.95 50.04 25.07 17.09 15.77
Debt to NOPAT		 16.04 0.00 104.08 -75.46 -44.89 -28.09 32.59 353.40 48.10 24.93 21.79
Net Debt to NOPAT		 5.55 0.00 65.61 -13.51 23.97 17.65 -19.55 8.88 -4.10 6.78 8.22
Long-Term Debt to NOPAT		 16.04 0.00 104.08 -75.46 -44.89 -28.09 32.59 353.40 48.10 24.93 21.79
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -6.58 31 -19 -4.93 10 -42 7.47 -17 -19 -24 -24
Operating Cash Flow to CapEx		 22.26% 180.25% -318.08% 1,176.05% 3,994.25% 1,314.74% 1,119.60% -647.82% 6,332.21% 10,081.72% 805.27%
Free Cash Flow to Firm to Interest Expense		 -7.81 34.36 -21.26 -5.38 11.68 -48.35 8.58 -18.93 -20.87 -26.54 -26.42
Operating Cash Flow to Interest Expense		 0.44 0.68 -0.88 0.25 1.06 0.13 0.97 -0.52 0.50 1.58 0.14
Operating Cash Flow Less CapEx to Interest Expense		 -1.52 0.30 -1.15 0.23 1.03 0.12 0.89 -0.60 0.50 1.57 0.12
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.00 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 2.44 0.00 2.26 2.11 1.60 1.60 1.60 1.70 1.88 2.09 2.28
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 52 0.00 54 44 42 42 47 61 61 66 72
Invested Capital Turnover		 0.16 0.00 0.16 0.16 0.14 0.30 0.13 0.13 0.14 0.15 0.15
Increase / (Decrease) in Invested Capital		 6.66 -31 19 5.02 -10 42 -7.32 16 20 24 25
Enterprise Value (EV)		 24 0.00 29 21 13 22 19 28 27 38 46
Market Capitalization		 17 19 14 18 18 28 28 28 28 33 37
Book Value per Share		 $14.75 $0.00 $14.50 $14.57 $14.79 $14.84 $14.96 $15.54 $15.75 $15.95 $16.18
Tangible Book Value per Share		 $14.75 $0.00 $14.50 $14.57 $14.79 $14.84 $14.96 $15.54 $15.75 $15.95 $16.18
Total Capital		 52 0.00 54 44 42 42 47 61 61 66 72
Total Debt		 20 0.00 23 13 10 10 15 15 15 19 24
Total Long-Term Debt		 20 0.00 23 13 10 10 15 15 15 19 24
Net Debt		 6.93 0.00 14 2.33 -5.34 -6.28 -9.00 0.38 -1.28 5.17 9.06
Capital Expenditures (CapEx)		 1.65 0.35 0.25 0.02 0.02 0.01 0.08 0.07 0.01 0.01 0.02
Net Nonoperating Expense (NNE)		 0.00 0.00 0.05 0.00 0.00 0.00 0.00 0.02 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 20 0.00 23 13 10 10 15 15 15 19 24
Total Depreciation and Amortization (D&A)		 0.06 0.06 0.09 0.07 0.07 0.07 0.06 0.08 0.04 0.05 0.05
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 ($0.31) $0.07 $0.09 $0.03 $0.07 ($0.17) $0.17 $0.19 $0.18
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 2.05M 2.80M 2.04M 2.03M 2.04M 2.76M 2.68M 2.69M 2.69M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 ($0.31) $0.07 $0.09 $0.03 $0.07 ($0.17) $0.17 $0.19 $0.18
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 2.05M 2.80M 2.04M 2.04M 2.06M 2.76M 2.69M 2.70M 2.74M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 2.15M 2.14M 2.13M 2.14M 2.94M 2.94M 2.94M 2.94M 2.95M
Normalized Net Operating Profit after Tax (NOPAT)		 0.20 0.17 -0.58 0.04 0.17 0.05 0.15 -0.32 0.44 0.50 0.49
Normalized NOPAT Margin		 11.24% 10.23% -37.62% 2.58% 10.84% 3.22% 8.89% -16.42% 20.74% 22.31% 21.19%
Pre Tax Income Margin		 16.06% 14.61% -53.74% 3.68% 13.36% 3.32% 11.61% -23.46% 25.54% 26.19% 26.45%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.34 0.27 -0.91 0.06 0.24 0.06 0.22 -0.51 0.59 0.66 0.67
NOPAT to Interest Expense		 0.10 0.30 -0.64 0.09 0.20 0.06 0.17 -0.36 0.48 0.56 0.53
EBIT Less CapEx to Interest Expense		 -1.62 -0.11 -1.19 0.04 0.22 0.05 0.14 -0.59 0.59 0.64 0.65
NOPAT Less CapEx to Interest Expense		 -1.85 -0.08 -0.91 0.07 0.17 0.05 0.08 -0.44 0.47 0.55 0.52
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 16.40% -83.54% -204.22% 0.00% 43.61% 193.58% 12.08% 4.94% 3.42%

Financials Breakdown Chart

Key Financial Trends

Marathon Bancorp (NASDAQ: MBBC) showed a meaningful rebound in profitability in Q3 2026 after a weak prior quarter, while balance sheet growth remained modest and funding costs stayed elevated. The latest quarter also showed continued reliance on deposits and interest income, with very little loan balance on the balance sheet shown in the data.

  • Net income improved sharply quarter over quarter to $487.9 thousand in Q3 2026 from $501.4 thousand in Q2 2026, and more importantly from a loss of $332.0 thousand in Q4 2025.
  • Net interest income remained stable and strong at $2.06 million in Q3 2026, slightly above $2.06 million in Q2 2026 and well ahead of $1.75 million in Q4 2025.
  • Non-interest income improved to $245.6 thousand in Q3 2026 from $189.9 thousand in Q2 2026, helping offset pressure from costs and funding expenses.
  • Operating cash flow stayed positive at $125.7 thousand in Q3 2026, though it was much lower than Q2 2026’s $1.41 million.
  • Deposits grew again in the latest quarter, with the company reporting a $4.24 million net change in deposits, which supported financing activity.
  • Return to profitability trend versus late 2025 is encouraging, since Q4 2025 was a loss quarter with net income of negative $332.0 thousand.
  • Total assets were essentially flat sequentially, rising to $249.0 million from $248.0 million in Q2 2026.
  • Equity increased modestly to $47.5 million from $46.9 million in Q2 2026, supporting a stable capital base.
  • The balance sheet continues to show heavy concentration in “other assets” at $226.0 million, which dominates reported assets and may warrant investor attention.
  • Long-term debt rose to $24.0 million from $19.0 million in Q2 2026, indicating increased leverage.
  • Interest expense remains a major drag, with total interest expense of $912.1 thousand in Q3 2026 versus $892.9 thousand in Q2 2026.
  • Provision for credit losses was still needed at $5 thousand in Q3 2026, although it was lower than in Q2 2026.
  • Non-interest expense remained high at $1.69 million, continuing to consume a large share of revenue.
  • Cash and equivalents declined to $2.10 million from $2.17 million in Q2 2026, limiting near-term liquidity cushion.
  • Earlier periods were volatile, including Q4 2025 when the company posted a net loss and negative operating cash flow, which suggests earnings can swing meaningfully quarter to quarter.

Looking at the four-year trend in the data, Marathon Bancorp has generally produced steady but modest profitability in most quarters, but with occasional sharp volatility, including losses in Q4 2025 and Q3 2024. Revenue has been fairly consistent in the $1.5 million to $2.3 million range, while expense control and funding costs appear to be the main variables driving quarterly results.

From an investor perspective, the key positives are the recovery in earnings, stable net interest income, and continued positive operating cash flow in the latest quarter. The biggest concerns are the large balance sheet concentration in other assets, rising leverage, and the fact that profitability remains relatively small compared with the company’s asset base.

08/07/26 02:08 PM ETAI Generated. May Contain Errors.

Marathon Bancorp, Inc. /MD/ Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Marathon Bancorp, Inc. /MD/'s financial year ends in June. Their financial year 2025 ended on June 30, 2025.

Marathon Bancorp, Inc. /MD/'s net income appears to be on a downward trend, with a most recent value of $42.45 thousand in 2025, falling from $417.87 thousand in 2020. The previous period was -$186.99 thousand in 2024. See Marathon Bancorp, Inc. /MD/'s forecast for analyst expectations on what's next for the company.

Over the last 5 years, Marathon Bancorp, Inc. /MD/'s total revenue changed from $5.56 million in 2020 to $6.79 million in 2025, a change of 22.2%.

Marathon Bancorp, Inc. /MD/'s total liabilities were at $193.13 million at the end of 2025, a 2.7% increase from 2024, and a 28.9% increase since 2020.

In the past 5 years, Marathon Bancorp, Inc. /MD/'s cash and equivalents has ranged from $1.99 million in 2021 to $3.61 million in 2020, and is currently $2.24 million as of their latest financial filing in 2025.

Over the last 5 years, Marathon Bancorp, Inc. /MD/'s book value per share changed from 0.00 in 2020 to 15.54 in 2025, a change of 1,553.7%.


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Financial statements for NASDAQ:MBBC last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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