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Marathon Bancorp, Inc. (MBBC) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Marathon Bancorp, Inc. $8.83, price $15.03, upside -41.3%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US5657592060

MB Marathon Bancorp, Inc. logo Some data Oct 4, 2026

Marathon Bancorp, Inc.

MBBC · US

Weakest SetupStrongly overvalued and low quality.

Solidly profitable · 19.9% net margin (TTM)
Low debt
Generates free cash flow
Quality 45/100
Mixed Growth (revenue 5y +9.0 %/yr in USD)
Moderate moat 48/100
Some data
Fair value $8.83 · Strongly overvalued (−41.3%)
Trails peers (2/12)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$15.49 $4.99 Fair Value $8.83 Apr 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 4, 2026.

How to read this chart

60‑month range $4.99 – $15.49 · fair‑value band $6.62 – $11.04 · the $15.03 price screens above the $8.83 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 4, 2026.

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Company profile

Marathon Bancorp, Inc. operates as a bank holding company for Marathon Bank that provides banking products and services in the United States. It offers deposit account products, including non-interest-bearing checking, interest-bearing checking, money market, savings, and certificate of deposit accounts.

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Marathon Bancorp, Inc. operates as a bank holding company for Marathon Bank that provides banking products and services in the United States. It offers deposit account products, including non-interest-bearing checking, interest-bearing checking, money market, savings, and certificate of deposit accounts. The company also provides lending products, such as one-to-four family residential real estate, commercial real estate, construction, commercial and industrial, multifamily real estate, and consumer loans. In addition, it offers vehicle and equipment financing, small business administration, commercial checking, and treasury management, as well as personal online and mobile banking services. The company was founded in 1902 and is based in Wausau, Wisconsin.

Stock analysis

Marathon Bancorp, Inc. Common Stock (MBBC) currently trades at $15.03, while our model-based Fair Value estimate is $8.83, 41.3% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of $11.35 per share, and 0 of the 4 models we run sit above the $15.03 price.

Bear case: the Multiples group reads lowest at $7.74, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $6.62 (bear) to $11.04 (bull), the price of $15.03 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Marathon Bancorp, Inc. Common Stock reported revenue of $12.7M in FY2026 versus $8.2M in FY2022, a compound +11.6%/yr. Reported net income was $1.8M in FY2026, compounding +7.6%/yr from FY2022.

Key figures

Market cap $45.3M · P/E ratio 22.8 · P/S ratio 3.20 · EPS (TTM) $0.6600 · Net margin 14.1% · Return on equity 3.8% · Return on assets (EBIT) 140% · Operating margin 21.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 45% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −41%, MBBC screens richer than that median.

Fair Value models

Bear $6.62 Fair Value $8.83 Bull $11.04
Price $15.03 · Upside -41.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 3 months old). Earnings retained since then ($0.1754 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income $11.60 $11.35 $11.65 71
P/E Multiple $5.80 $7.74 $9.67 63
P/B Multiple $7.59 $10.12 $12.65 55
All 4 models by family
Multiples
P/E Multiple $5.80 $7.74 $9.67 63
P/B Multiple $7.59 $10.12 $12.65 55
Asset-Based
NCAV (Graham) $7.97 $10.68 $15.93 54
Economic Profit
Residual Income $11.60 $11.35 $11.65 71

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Quality Score breakdown

Overall quality 45/100

Of which business quality 44 · Market factors (momentum, volatility) 73

Profitability 23
Margins and returns on capital today
Quality Growth 79
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 4
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 81
Calm price path (market factor)
Momentum 59
Price trend over the last 3–12 months (market factor)
52W Momentum 87
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 83/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+23.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.0%
Start year 2021 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.7%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−7.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.0%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.22% → 17%

MBBC screens overvalued: fair value 41% below the price. Compare with DBS Group →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1059 stocks

Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 45 · Bottom 25%
Fair Value upside −41.3% · Bottom 25%
Profitability
Return on equity (TTM) 3.8% · Bottom 25%
Return on assets 0.7% · Below median
Net margin (TTM) 19.9% · Bottom 25%
Operating margin (TTM) 21.4% · Bottom 25%
Growth and dividend
Revenue growth 26.0% · Top 25%
Balance sheet
Debt / equity 0.42× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 22.8× · Priciest 25%
P/B 0.94× · Cheaper than median
P/S (TTM) 5.04× · Priciest 25%
EV/EBITDA 25.7× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 12
FUTURE (revenue growth)100 · sector 50
PAST (return on equity)15 · sector 41
HEALTH (low debt)79 · sector 84
DIVIDEND (yield)0 · sector 52

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Marathon Bancorp, Inc. Common Stock · Fair Value
$8.83 −41%Fair Value
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Cite: Fair Value Calculator (2026). "Marathon Bancorp, Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/MBBC

Frequently asked questions

Is Marathon Bancorp, Inc. (MBBC) overvalued or undervalued?
As of Oct 4, 2026, our model estimates a fair value of $8.83 versus a price of $15.03, about −41% upside (overvalued).
What is the fair value of MBBC?
Our model-based fair value for Marathon Bancorp, Inc. Common Stock is $8.83 (as of Oct 4, 2026), built from audited fundamentals. The current price: $15.03.
What is the quality score of MBBC?
Marathon Bancorp, Inc. Common Stock has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Marathon Bancorp, Inc. (MBBC)?
Our model-based price target is the fair value of $8.83 (as of Oct 4, 2026) from 4 valuation models. Cautious scenario $6.62, optimistic scenario $11.04. It is a calculation from audited fundamentals, not an analyst target.
What is the Marathon Bancorp, Inc. Common Stock stock forecast for 2026?
Our models put fair value at $8.83, about −41% upside versus a price of $15.03 (overvalued). Cautious scenario $6.62, optimistic scenario $11.04. The calculation is refreshed regularly with new filings.
What is the revenue of Marathon Bancorp, Inc. (MBBC)?
Marathon Bancorp, Inc. Common Stock reported trailing-twelve-month revenue of about $9.0M (latest available figure, as of Oct 4, 2026).
What is the intrinsic value of Marathon Bancorp, Inc. (MBBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Marathon Bancorp, Inc. Common Stock it is $8.83 per share (as of Oct 4, 2026), against a price of $15.03. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Marathon Bancorp, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Oct 4, 2026, MBBC trades above its calculated fair value: price $15.03, fair value $8.83, a gap of about −41% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MBBC?
No. The price is what the market pays today ($15.03); the fair value is what the company's own numbers justify ($8.83). For Marathon Bancorp, Inc. Common Stock the two are $6.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is Marathon Bancorp, Inc. Common Stock worth?
The market values Marathon Bancorp, Inc. Common Stock at about $45.3M (market capitalisation, as of Oct 4, 2026). Per share that is $15.03; our models calculate a fair value of $8.83 per share.
What do the bullish and bearish scenarios say about MBBC?
Our models span a range for Marathon Bancorp, Inc. Common Stock: cautious scenario $6.62, base $8.83, optimistic $11.04 per share (as of Oct 4, 2026, price $15.03). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MBBC?
Marathon Bancorp, Inc. Common Stock trades at a price-to-earnings ratio of 22.8 (as of Oct 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $8.83 is built from several models across several years. Other multiples: P/B 0.9, P/S 5.0, EV/EBITDA 25.7.
How solid is the balance sheet of Marathon Bancorp, Inc. (MBBC)?
Balance-sheet figures for Marathon Bancorp, Inc. Common Stock (as of Oct 4, 2026): return on equity 3.8%, debt of 0.42 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is MBBC from its 52-week high?
Marathon Bancorp, Inc. Common Stock trades at $15.03, about 3% below its 52-week high of $15.49 and 45% above the low of $10.40 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $8.83 is for.
Which stocks are comparable to Marathon Bancorp, Inc. Common Stock?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Marathon Bancorp, Inc. Common Stock stock attractive at the current price?
The data as of Oct 4, 2026: price $15.03, calculated fair value $8.83 (−41%), Quality Score 45/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MBBC calculated?
We run Marathon Bancorp, Inc. Common Stock through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $8.83, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.0 % above its aggregate fair value. Marathon Bancorp, Inc. Common Stock itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Marathon Bancorp, Inc. (MBBC)?
The closing price on Oct 2, 2026 was $15.03. Our model-based fair value is $8.83, about −41% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Marathon Bancorp, Inc. Common Stock right now?
The price sits above even our optimistic bull case ($11.04). The favourable scenario is already priced in. Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Marathon Bancorp, Inc. Common Stock

How large is the market capitalisation of Marathon Bancorp, Inc. (MBBC)?
The market capitalisation of Marathon Bancorp, Inc. Common Stock is $45.3M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Marathon Bancorp, Inc. (MBBC)?
The price-to-sales ratio of Marathon Bancorp, Inc. Common Stock is 3.20 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Marathon Bancorp, Inc. (MBBC)?
Earnings per share at Marathon Bancorp, Inc. Common Stock are $0.6600 (price ÷ EPS = P/E 22.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Marathon Bancorp, Inc. (MBBC)?
The net margin of Marathon Bancorp, Inc. Common Stock is 14.1% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Marathon Bancorp, Inc. (MBBC)?
The return on equity (ROE) of Marathon Bancorp, Inc. Common Stock is 3.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Marathon Bancorp, Inc. (MBBC)?
On an EBIT basis the return on assets of Marathon Bancorp, Inc. Common Stock is 140% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Marathon Bancorp, Inc. (MBBC)?
The operating margin of Marathon Bancorp, Inc. Common Stock is 21.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Marathon Bancorp, Inc. (MBBC)?
Revenue at Marathon Bancorp, Inc. Common Stock is growing +26.0% versus a year earlier (3y avg +17.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Marathon Bancorp, Inc. (MBBC)?
Earnings per share at Marathon Bancorp, Inc. Common Stock are growing +260% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Marathon Bancorp, Inc. (MBBC) generate?
The free cash flow of Marathon Bancorp, Inc. Common Stock is $2.5B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Marathon Bancorp, Inc. (MBBC) carry?
The net debt of Marathon Bancorp, Inc. Common Stock is $16.9M (fiscal year 2026, ≈ 0.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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