Marathon Bancorp

MBBC

Banks - Regional · Financial Services

Price

$15.10

-0.03 (-0.20%)

Market Cap

$44.6M

Exchange

NASDAQ Capital Market

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 9, 2026 · filings through Mar 31, 2026

Share count rising — dilution

+77.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 1.6M (2021) → 2.8M (2025)

Marathon Bancorp, Inc. is a small regional bank holding company based in the United States. It offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and small businesses in its local communities. Regional banks like Marathon Bancorp compete by building close relationships with customers in specific geographic areas rather than trying to serve the whole country.

The company makes money primarily through the difference between the interest it charges on loans and the interest it pays on deposits — a spread known as net interest margin. With a market cap near zero, Marathon Bancorp is a very small institution, which means it has limited resources compared to larger regional or national banks. Its main risk is that rising interest rates or a slowdown in local loan demand could squeeze its already thin operating margins, making it harder to grow earnings over time.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+25.9% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+87.3% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

67.5%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$220M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Marathon Bancorp grew revenue 26% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales YoY

+22.5%

Fast-growing sales (+22.5% YoY)

EPS YoY

+44.6%

Earnings growing fast (+44.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

P/E Ratio (TTM)

35.1x

Pricey — P/E 35.1

P/E over 35. The market is pricing in heavy, sustained growth.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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