Marathon Bancorp, Inc. /MD/
MBBC Nasdaq Savings Institutions, Not Federally Chartered Financials FY2020–FY2026
Last close · Oct 23, 2026
$14.67
1.2%What Marathon Bancorp, Inc. /MD/ does
No business description yet.
- Legal name
- Marathon Bancorp, Inc. /MD/
- Fiscal year ends
- June 30, 2026
- Latest annual report
- 10-K · Sep 16, 2026
- Accession · CIK
- 0001104659-26-108076
0001835385
Revenue and margins
Marathon Bancorp, Inc. /MD/ had $9.0M of revenue in fiscal 2026, up 33.0% on the year before.
Net income and earnings per share
Loss periods are shown in red.
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
Dividends, buybacks and share count
Marathon Bancorp, Inc. /MD/ returned $0.1M to shareholders in fiscal 2026, 6% of free cash flow. The diluted share count fell 1.3%.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Loans, net | $186M | $198M | $183M | $201M | $217M |
| Deposits | $188M | $197M | $173M | $175M | — |
| Loans / deposits | 98.7% | 100.2% | 106.1% | 114.6% | — |
| Total assets | $221M | $239M | $219M | $239M | $261M |
| Shareholders' equity | $30.7M | $31.3M | $31.3M | $45.7M | $48.0M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
7 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | $5.6M | $7.3M | $7.3M | $8.0M | $6.6M | $6.8M | $9.0M |
| Net interest income | $4.6M | $5.4M | $6.2M | $6.7M | $5.8M | $6.0M | $8.2M |
| Noninterest income | $1.0M | $1.9M | $1.1M | $1.3M | $0.7M | $0.7M | $0.8M |
| Noninterest expense | $4.9M | $5.4M | $5.6M | $5.9M | $7.0M | $6.9M | $6.9M |
| Provision for credit losses | $0.2M | — | — | — | — | — | — |
| Interest expense | $1.4M | $1.1M | $0.9M | $2.3M | — | — | — |
| Pretax income | $0.5M | $1.9M | $1.8M | $2.1M | −$0.2M | $0.0M | $2.1M |
| Income tax | $0.1M | $0.5M | $0.4M | $0.4M | −$0.1M | −$0.0M | $0.3M |
| Net income | $0.4M | $1.4M | $1.3M | $1.7M | −$0.2M | $0.0M | $1.8M |
| Diluted EPS | — | $0.64 | $0.62 | $0.79 | −$0.07 | $0.02 | $0.66 |
| Diluted shares | — | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B |
| Cash flow | |||||||
| Cash from operations | $1.1M | $1.0M | $0.8M | $2.0M | $0.4M | $1.4M | $2.5M |
| Capital expenditure | $0.3M | $0.1M | $0.0M | $0.1M | $2.3M | $0.2M | $0.4M |
| Free cash flow | $0.8M | $0.9M | $0.8M | $1.9M | −$1.8M | $1.3M | $2.0M |
| Depreciation and amortization | $0.2M | $0.2M | $0.2M | $0.2M | $0.2M | $0.3M | $0.3M |
| Stock-based compensation | — | — | — | $0.1M | $0.2M | $0.2M | $0.2M |
| Share buybacks | — | — | — | — | $0.2M | $0.1M | $0.1M |
| Dividends and buybacks | — | — | — | — | $0.2M | $0.1M | $0.1M |
| Balance sheet | |||||||
| Cash and short-term investments | $24.3M | $46.0M | $8.4M | $11.8M | $10.5M | $14.4M | $20.8M |
| Total debt | $6.4M | $10.4M | — | $0.0M | — | — | — |
| Finance lease liabilities | — | — | — | — | $0.0M | $0.0M | $0.0M |
| Loans, net | $117M | $144M | $186M | $198M | $183M | $201M | $217M |
| Deposits | $134M | $172M | $188M | $197M | $173M | $175M | — |
| Property and equipment, net | $2.0M | $1.8M | $1.7M | $2.1M | $4.1M | $3.9M | $3.9M |
| Total assets | $171M | $214M | $221M | $239M | $219M | $239M | $261M |
| Total liabilities | $150M | $184M | $189M | $207M | $188M | $193M | $213M |
| Shareholders' equity | $20.8M | $30.3M | $30.7M | $31.3M | $31.3M | $45.7M | $48.0M |
| Margins | |||||||
| Net margin | 7.5% | 18.8% | 18.2% | 20.9% | −2.8% | 0.6% | 19.8% |
| FCF margin | 13.9% | 12.9% | 10.8% | 24.0% | −28.2% | 18.7% | 22.4% |
| Net interest share of revenue | 81.9% | 74.0% | 84.7% | 83.7% | 88.9% | 89.0% | 90.8% |
| Efficiency ratio | 88.2% | 74.6% | 75.8% | 73.5% | 106.6% | 101.2% | 76.0% |
| Returns | |||||||
| Return on equity | 2.0% | 5.4% | 4.4% | 5.4% | −0.6% | 0.1% | 3.8% |
| Return on assets | 0.2% | 0.7% | 0.6% | 0.7% | −0.1% | 0.0% | 0.7% |
| Return on tangible equity | 2.0% | 4.5% | 4.3% | 5.3% | −0.6% | 0.1% | 3.7% |
| Growth | |||||||
| Revenue growth | — | 31.1% | 0.5% | 9.2% | −17.9% | 3.4% | 33.0% |
| Net income growth | — | 228.6% | −2.8% | 25.3% | −111.2% | — | 4,124.5% |
| EPS growth | — | — | −3.1% | 27.4% | −108.9% | — | 3,200.0% |
| FCF growth | — | 22.2% | −16.1% | 143.1% | −196.1% | — | 59.1% |
| Share count change | — | — | 0.1% | −1.5% | 32.7% | −1.4% | −1.3% |
| Financial health | |||||||
| Debt / equity | 0.3x | 0.3x | — | 0.0x | — | — | — |
| Loans / deposits | 87.2% | 83.8% | 98.7% | 100.2% | 106.1% | 114.6% | — |
| Provision / loans | 0.1% | — | — | — | — | — | — |
| Capital allocation | |||||||
| Capex / revenue | 5.3% | 1.2% | 0.5% | 0.8% | 34.5% | 2.6% | 4.8% |
| Stock comp / revenue | — | — | — | 1.6% | 2.4% | 2.3% | 1.8% |
| Payouts / FCF | — | — | — | — | — | 6.5% | 6.1% |
| Quality scores | |||||||
| Accruals ratio | −0.4% | 0.2% | 0.2% | −0.1% | −0.3% | −0.6% | −0.3% |
Source: SEC EDGAR XBRL filings (CIK 0001835385). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.
