Valuation, from the filing
| Public float | $6.93M | Market value of stock held by non-affiliates, as stated on the cover page for 2025-12-31 |
|---|---|---|
| Float per share | $2.30 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 3.9× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 0.1× | A lower bound on the multiple, because affiliate holdings are excluded. |
Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-12-31, not today, and each multiple below it uses the figures for the fiscal year ending 2026-06-30 — the year that filing covered.
Valuation over time
3.9× earnings today, against a median of 10.3× across 4 years on record. Below its own history.
| Float measured | Public float | Float / net income | |
|---|---|---|---|
| 2025-12-31 | $6.93M | 3.9× | |
| 2024-12-31 | $20.91M | 492.7× | |
| 2022-12-31 | $15.25M | 9.1× | |
| 2021-12-31 | $15.25M | 11.4× |
Each float is paired with the fiscal year the filing that stated it covers. Only years where the company reported positive net income appear, because a multiple against a loss is not a multiple.
How this compares in its industry
Percentile among the Savings Institutions, Not Federally Chartered filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| Effective tax rate | 16.0% | 23th |
Marathon Bancorp, Inc. /MD/ (MBBC) reported net income of $1.79M for the fiscal year ended 2026-06-30. This page shows 7 annual periods of income statement, balance sheet and cash flow figures normalized from Marathon Bancorp, Inc. /MD/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institutions, Not Federally Chartered.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 |
|---|---|---|---|---|---|---|---|
| Revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $1.79M | $42.44K | -$186.99K | $1.67M | $1.33M | $1.37M | $417.87K |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 2.73M | shares 2.76M | shares 2.80M | shares 2.11M | shares 2.15M | shares 2.14M | Unavailable |
| Pretax income | $2.13M | $10.89K | -$246.10K | $2.12M | $1.77M | $1.85M | $505.48K |
| Income tax expense | $340.96K | -$31.56K | -$59.11K | $444.74K | $437.38K | $477.72K | $87.61K |
| Diluted EPS | $0.66 | $0.02 | $-0.07 | $0.79 | $0.62 | $0.64 | Unavailable |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total assets | $261.03M | $238.83M | $219.30M | $238.78M | $220.50M | $213.63M | $170.65M |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $213.07M | $193.13M | $188.00M | $207.50M | $189.28M | $183.78M | $149.87M |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $47.96M | $45.71M | $31.29M | $31.28M | $30.74M | $30.33M | $20.78M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | $2.45M | $1.45M | $416.55K | $1.99M | $825.53K | $1.03M | $1.06M |
| Capital expenditures | $432.20K | $179.04K | $2.26M | $65.36K | $34.09K | $88.47K | $292.25K |
| Investing cash flow | -$15.63M | -$15.58M | $17.71M | -$14.42M | -$44.22M | -$20.83M | $3.48M |
| Financing cash flow | $19.61M | $18.05M | -$19.43M | $15.78M | $5.77M | $41.57M | $17.12M |
| Net change in cash | $6.43M | $3.91M | -$1.30M | $3.35M | -$37.62M | $21.77M | $21.67M |
| Stock-based compensation | $161.18K | $156.68K | $159.10K | $130.63K | Unavailable | Unavailable | Unavailable |
| Common dividends paid | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Common share repurchases | $123.64K | $82.16K | $156.22K | Unavailable | Unavailable | Unavailable | Unavailable |
| Depreciation & amortization | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Derived
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 |
|---|---|---|---|---|---|---|---|
| Free cash flow | $2.02M | $1.27M | -$1.85M | $1.92M | $791.44K | $943.46K | $772.03K |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| SBC / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 16.0% | -289.8% | Unavailable | 21.0% | 24.7% | 25.8% | 17.3% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open MBBC in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.