Company Overview
Marathon Bancorp, Inc. operates as a bank holding company that provides a comprehensive suite of banking products and services within the United States market. The company functions within the Financial Services sector, specifically the Banks - Regional industry, which typically involves managing deposits, issuing loans, and providing financial advisory services to local communities and businesses. In terms of scale, the entity has a market capitalization of $39.92M and employs 35 individuals to support its operations. The annual revenue generated by the company over the trailing twelve months is $7.94M. The combination of a relatively small market cap and low revenue figure indicates that Marathon Bancorp, Inc. is a micro-cap institution with a limited operational footprint compared to larger national banking conglomerates.
Financial Health
Marathon Bancorp, Inc. reported a revenue of $7.94M and a net income of $762,100 for the trailing twelve months, while EBITDA data is not available in the provided records. The substantial gap between the total revenue of $7.94M and the net income of $762,100 reveals a cost structure where operating expenses and provisions absorb a significant portion of earnings, leaving a profit margin of 9.6%. The company reports no free cash flow data, which limits the ability to assess immediate financial flexibility for capital expenditures or acquisitions through cash generation. Profitability analysis shows a gross margin of 0.0%, an operating margin of 26.6%, and a profit margin of 9.6%. The zero gross margin is characteristic of banking services, where revenue is primarily interest-based rather than from selling tangible goods, while the operating margin indicates efficient management of overhead costs relative to total revenue. Regarding leverage, the company holds $13.83M in cash against $19.38M in debt, and the debt-to-equity ratio is not available for calculation. The presence of debt exceeding cash reserves suggests a leveraged balance sheet, though the specific debt-to-equity metric cannot be derived from the provided figures. The current ratio is not available, preventing a direct assessment of short-term liquidity relative to current liabilities. Return on equity stands at 1.9% and return on assets is 0.3%, metrics that suggest management effectiveness is modest and capital generation is relatively low for a financial institution of this size.
Valuation Assessment
The trailing twelve-month P/E ratio is 46.85, whereas the forward P/E is not available, implying that future earnings expectations are currently undefined or insufficient for standard forward multiple calculation. A price-to-book ratio of 0.85 indicates that the market values the company at a discount to its net asset value, suggesting a lack of market premium over book value. The price-to-sales ratio is 5.03, and EV/EBITDA is not available; these alternative metrics suggest the valuation is heavily weighted toward sales volume rather than earnings power or enterprise value efficiency. The stock has traded between a 52-week low of $9.48 and a 52-week high of $14.64. Without a specific current share price provided in the facts, the exact percentage distance from the high cannot be calculated, but the range defines the recent volatility band for the security. The beta value is 0.33, which indicates that the stock price exhibits significantly lower volatility relative to the broader market, moving with less intensity than the overall index.
Growth & Income
Revenue growth year-over-year is 40.3%, and earnings growth year-over-year is 919.6%. The earnings growth rate is vastly higher than the revenue growth rate, which implies that recent profitability improvements are driven by significant margin expansion or one-time gains rather than proportional increases in sales volume. As the company does not pay dividends, evidenced by a dividend yield of N/A and a payout ratio of 0.0%, it does not distribute cash to shareholders. Instead, the company reinvests its earnings back into the business, likely focusing on loan growth or branch expansion rather than returning capital to investors. The overall growth and income profile is characterized by explosive earnings expansion and zero dividend yield, reflecting a capital retention strategy typical of small regional banks seeking to strengthen their balance sheets.