NASDAQ : MBBC
Marathon Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 11.08M | 11.08M | 8.65M | 8.64M | 8.18M | 6.76M |
| Interest Income on Investments | 819.21K | 819.21K | 902.04K | 793.17K | 795.92K | 398.31K |
| Total Interest Income | 11.90M | 11.90M | 9.55M | 9.43M | 8.98M | 7.16M |
| Interest Paid on Deposits | 2.99M | 2.99M | 3.04M | 2.94M | 2.18M | 940.95K |
| Interest Paid on Borrowings | 710.83K | 710.83K | 468.71K | 648.43K | 102.62K | 6.81K |
| Total Interest Expense | 3.70M | 3.70M | 3.51M | 3.59M | 2.28M | 947.77K |
| Net Interest Income | 8.21M | 8.21M | 6.04M | 5.84M | 6.70M | 6.21M |
| Mortgage Banking Activities | 299.13K | 299.13K | 291.42K | 325.53K | 351.38K | 689.33K |
| Gain (Loss) on Sale of Investments | 24.00K | 14.00K | ||||
| Other Non-Interest Income | 405.95K | 405.95K | 343.35K | 275.32K | 265.08K | 249.52K |
| Total Non-Interest Income | 828.02K | 828.02K | 748.92K | 726.02K | 1.04M | 1.12M |
| Revenues Before Loan Losses | 9.03M | 9.03M | 6.79M | 6.57M | 7.74M | 7.33M |
| Provision for Loan Losses | 35.46K | 35.46K | -93.83K | -190.00K | ||
| Revenue | 9.00M | 9.00M | 6.89M | 6.76M | 7.74M | 7.33M |
| Salaries and Employee Benefits | 3.58M | 3.58M | 3.43M | 2.89M | 3.13M | 3.09M |
| Occupancy Expenses | 722.93K | 722.93K | 750.33K | 691.62K | 564.99K | 613.67K |
| Federal Deposit Insurance | 105.62K | 105.62K | 95.80K | 127.00K | 62.40K | |
| Selling, General & Administrative | 1.82M | 1.82M | 1.68M | 1.73M | 1.63M | 1.34M |
| Other Non-Interest Expense | 634.61K | 634.61K | 916.58K | 1.56M | 505.09K | 513.25K |
| Total Non-Interest Expense | 6.87M | 6.87M | 6.87M | 7.00M | 5.88M | 5.56M |
| EBT Excluding Unusual Items | 2.13M | 2.13M | 10.89K | -246.10K | 1.86M | 1.77M |
| Pretax Income | 2.13M | 2.13M | 10.89K | -246.10K | 2.12M | 1.77M |
| Income Tax Expense | 340.96K | 340.96K | -31.55K | -59.11K | 444.74K | 437.38K |
| Net Income | 1.79M | 1.79M | 42.45K | -186.99K | 1.67M | 1.33M |
| Net Income to Common | 1.79M | 1.79M | 42.45K | -186.99K | 1.67M | 1.33M |
| Basic Shares Outstanding | 2.69M | 2.69M | 2.76M | 2.80M | 2.89M | 2.94M |
| Diluted Shares Outstanding | 2.73M | 2.73M | 2.76M | 2.80M | 2.90M | 2.94M |
| EPS (Basic) | 0.67 | 0.67 | 0.02 | -0.07 | 0.58 | 0.45 |
| EPS (Diluted) | 0.66 | 0.66 | 0.02 | -0.07 | 0.58 | 0.45 |
| Effective Tax Rate | 15.99% | 15.99% | 21.01% | 24.68% |
Balance sheet
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 20.81M | 20.81M | 14.39M | 10.47M | 11.78M | 8.43M |
| Investment Securities | 3.51M | 3.51M | 4.58M | 5.51M | 10.84M | 9.82M |
| Mortgage-Backed Securities | 1.02M | 1.02M | 1.34M | 1.80M | 2.36M | 3.27M |
| Total Investments | 4.53M | 4.53M | 5.92M | 7.32M | 13.20M | 13.09M |
| Gross Loans | 219.26M | 219.26M | 202.57M | 185.29M | 199.94M | 187.90M |
| Allowance for Loan Losses | -1.75M | -1.75M | -1.71M | -1.80M | -2.16M | -2.20M |
| Other Adjustments to Gross Loans | -121.00K | -121.00K | -67.00K | -47.00K | -63.00K | -75.55K |
| Net Loans | 217.39M | 217.39M | 200.80M | 183.45M | 197.71M | 185.63M |
| Property, Plant & Equipment | 3.91M | 3.91M | 3.88M | 4.09M | 2.13M | 1.68M |
| Accrued Interest Receivable | 737.87K | 737.87K | 667.69K | 597.77K | 612.72K | 565.93K |
| Long-Term Deferred Tax Assets | 486.92K | 578.62K | ||||
| Other Real Estate Owned & Foreclosed | 996.37K | 996.37K | 996.37K | 1.38M | 2.33M | |
| Other Long-Term Assets | 11.17M | 11.17M | 10.85M | 10.67M | 9.76M | 10.20M |
| Total Assets | 261.03M | 261.03M | 238.83M | 219.30M | 238.78M | 220.50M |
| Interest Bearing Deposits | 143.80M | 143.80M | 129.93M | 127.10M | 157.64M | 140.14M |
| Institutional Deposits | 23.79M | 23.79M | 22.84M | 23.32M | 13.43M | 24.27M |
| Non-Interest Bearing Deposits | 22.16M | 22.16M | 22.47M | 22.56M | 26.18M | 23.70M |
| Total Deposits | 189.76M | 189.76M | 175.24M | 172.98M | 197.25M | 188.10M |
| Short-Term Borrowings | 5.00M | 5.00M | ||||
| Current Portion of Leases | 118.71K | 118.71K | ||||
| Federal Home Loan Bank Debt, Long-Term | 15.00M | 15.00M | 15.00M | 13.00M | 8.00M | |
| Long-Term Leases | 120.16K | 120.16K | 439.93K | 524.97K | 585.18K | |
| Other Long-Term Liabilities | 3.07M | 3.07M | 2.44M | 1.50M | 1.66M | 1.18M |
| Total Liabilities | 213.07M | 213.07M | 193.13M | 188.00M | 207.50M | 189.28M |
| Common Stock | 29.16K | 29.16K | 28.96K | 20.97K | 21.14K | 22.30K |
| Additional Paid-In Capital | 22.95M | 22.95M | 22.65M | 7.25M | 7.25M | 8.49M |
| Retained Earnings | 27.36M | 27.36M | 25.57M | 25.52M | 25.58M | 23.91M |
| Comprehensive Income & Other | -2.38M | -2.38M | -2.53M | -1.50M | -1.57M | -1.19M |
| Shareholders' Equity | 47.96M | 47.96M | 45.71M | 31.29M | 31.28M | 31.22M |
| Total Liabilities & Equity | 261.03M | 261.03M | 238.83M | 219.30M | 238.78M | 220.50M |
| Total Debt | 20.24M | 20.24M | 15.44M | 13.52M | 8.59M | |
| Net Cash (Debt) | 730.32K | 730.32K | -816.95K | -2.85M | 6.95M | 10.37M |
| Net Cash Per Share | 0.27 | 0.27 | -0.30 | -1.02 | 2.40 | 3.52 |
| Filing Date Shares Outstanding | 3.01M | 3.01M | 2.94M | 2.93M | 2.96M | 3.12M |
| Total Common Shares Outstanding | 3.01M | 3.01M | 2.94M | 2.94M | 2.96M | 3.12M |
| Book Value Per Share | 15.91 | 15.91 | 15.55 | 10.65 | 10.56 | 10.02 |
| Tangible Book Value | 47.96M | 47.96M | 45.71M | 31.29M | 31.28M | 31.22M |
| Tangible Book Value Per Share | 15.91 | 15.91 | 15.55 | 10.65 | 10.56 | 10.02 |
Cash flow statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 1.79M | 1.79M | 42.45K | -186.99K | 1.67M | 1.33M |
| Depreciation & Amortization | 286.39K | 286.39K | 295.00K | 244.90K | 205.01K | 207.95K |
| Gain (Loss) on Sale of Assets | -246.75K | |||||
| Gain (Loss) on Sale of Investments | 3.22K | 3.22K | 45.70K | 73.65K | 77.68K | 105.56K |
| Total Asset Writedown | 378.77K | 937.10K | ||||
| Provision for Credit Losses | 35.46K | 35.46K | -93.83K | -190.00K | ||
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 143.48K | 143.48K | 148.20K | 174.55K | 129.52K | 308.44K |
| Accrued Interest Receivable | -70.19K | -70.19K | -69.92K | 14.96K | -46.80K | -13.41K |
| Change in Other Net Operating Assets | 559.31K | 559.31K | 966.50K | -241.61K | 455.35K | -460.11K |
| Other Operating Activities | -374.42K | -374.42K | -321.75K | -290.14K | -547.75K | -760.25K |
| Operating Cash Flow | 2.45M | 2.45M | 1.45M | 416.55K | 1.99M | 825.53K |
| Capital Expenditures | -432.20K | -432.20K | -179.04K | -2.26M | -65.36K | -34.09K |
| Investment in Securities | 1.49M | 1.49M | 1.70M | 5.86M | -756.64K | -198.53K |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -16.54M | -16.54M | -17.20M | 14.67M | -14.12M | -40.92M |
| Other Investing Activities | -145.88K | -145.88K | 100.00K | -559.14K | 519.56K | -3.06M |
| Investing Cash Flow | -15.63M | -15.63M | -15.58M | 17.71M | -14.42M | -44.22M |
| Long-Term Debt Issued | 5.00M | 5.00M | 5.00M | 5.00M | 8.00M | |
| Long-Term Debt Repaid | -3.00M | -10.37M | ||||
| Net Debt Issued (Repaid) | 5.00M | 5.00M | 2.00M | 5.00M | 8.00M | -10.37M |
| Issuance of Common Stock | 209.05K | 209.05K | 15.22M | |||
| Repurchase of Common Stock | -123.64K | -123.64K | -1.44M | -156.22K | -1.37M | |
| Net Increase (Decrease) in Deposit Accounts | 14.52M | 14.52M | 2.26M | -24.27M | 9.15M | 16.14M |
| Financing Cash Flow | 19.61M | 19.61M | 18.05M | -19.43M | 15.78M | 5.77M |
| Net Cash Flow | 6.43M | 6.43M | 3.91M | -1.30M | 3.35M | -37.62M |
| Free Cash Flow | 2.02M | 2.02M | 1.27M | -1.85M | 1.92M | 791.44K |
| Free Cash Flow Margin | 22.45% | 22.45% | 18.44% | -27.36% | 24.86% | 10.80% |
| Free Cash Flow Per Share | 0.74 | 0.74 | 0.46 | -0.66 | 0.66 | 0.27 |
| Cash Interest Paid | 3.70M | 3.70M | 3.52M | 3.38M | 2.23M | 944.13K |
| Cash Income Tax Paid | 450.00K | 450.00K | 261.00K | 159.00K | 79.00K |
Ratios
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 43.91M | 45.09M | 29.30M | 19.30M | 20.22M | 24.26M |
| Last Close Price | 14.52 | 15.28 | 9.96 | 6.55 | 6.84 | 7.93 |
| PE Ratio | 22.11 | 25.17 | 690.34 | 12.09 | 18.17 | |
| PS Ratio | 4.88 | 5.01 | 4.26 | 2.86 | 2.61 | 3.31 |
| PB Ratio | 0.91 | 0.94 | 0.64 | 0.62 | 0.65 | 0.78 |
| P/FCF Ratio | 21.74 | 22.32 | 23.08 | 10.51 | 30.65 | |
| P/OCF Ratio | 17.91 | 18.39 | 20.23 | 46.34 | 10.16 | 29.38 |
| Debt / Equity Ratio | 0.42 | 0.42 | 0.34 | 0.43 | 0.27 | |
| Debt / FCF Ratio | 10.02 | 10.02 | 12.16 | 4.46 | ||
| Net Debt / Equity Ratio | -0.01 | -0.01 | 0.02 | 0.09 | -0.22 | -0.33 |
| Net Debt / FCF Ratio | -0.36 | -0.36 | 0.64 | -1.54 | -3.61 | -13.11 |
| Return on Equity (ROE) | 3.82% | 3.82% | 0.11% | -0.60% | 5.35% | 4.37% |
| Return on Assets (ROA) | 0.72% | 0.72% | 0.02% | -0.08% | 0.73% | 0.61% |
| Earnings Yield | 4.52% | 3.97% | 0.14% | -0.97% | 8.27% | 5.50% |
| FCF Yield | 4.60% | 4.48% | 4.33% | -9.57% | 9.52% | 3.26% |
| Buyback Yield / Dilution | 1.26% | 1.26% | 1.42% | 3.32% | 1.52% | -0.12% |