Marathon Bancorp Inc. Common Stock (MBBC)

FairStock Score: 43/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Marathon Bancorp’s stock was $14.84, giving a $44.7 million market cap. It is a tiny bank holding company—31 employees—so I start with bank economics, not story. The filed record shows a genuine turnaround: in FY2024, ended 2024-06-30, net income was a loss of $186,994 and diluted EPS was -$0.07; in FY2025, ended 2025-06-30, net income was $42,445 and EPS was $0.02; in FY2026, ended 2026-06-30, net income was $1.8 million and EPS was $0.66. In fiscal Q3 2026, the quarter ended 2026-03-31, net income was $487,863 and EPS was $0.18. That is progress. FairStock’s Lynch category is TURNAROUND, which fits. But quality matters. FairStock calculations at that close show P/B of 0.93, P/E of 22.48, ROE of 3.82%, ROCE of 0.72%, and a Piotroski F-score of 4/9. A bank below book can be attractive, but only if it earns an adequate return on equity. Here ROE is thin, so the discount to book may reflect weak profitability rather than opportunity. As a 31-employee bank, it may have local relationships, but there is no data here proving a durable moat; low ROE suggests limited pricing power. The balance-sheet risks that matter most—CET1 capital, net interest margin, nonperforming loans, reserves and deposit costs—are not in the data. The 0.00% dividend and 0.33 beta offer little income, though low beta may mean less market sensitivity. My verdict: a small, improving turnaround at a fair-to-slightly-cheap asset value, but not proven enough to call a classic Graham bargain.

In plain English: Marathon Bancorp is a small bank holding company for Marathon Bank; it takes deposits and makes loans in the United States. The business has improved from a small loss to a profit in recent years, but it still earns only a thin return. At $14.84, the price looks roughly fair compared with the bank’s accounting net worth—not clearly cheap or expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q3 2025 10-Q (period ended 2025-03-31) · FY2026 10-K (period ended 2026-06-30) · FY2025 10-K (period ended 2025-06-30) · FY2024 10-K (period ended 2024-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer