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Upturn AI Summary - About
Marathon Bancorp, Inc. Common Stock(MBBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MBBC
10/28/2026: MBBC (3-star) is currently NOT-A-BUY. Pass it for now.
Marathon Bancorp, Inc. is a community-focused regional bank providing traditional retail and commercial banking services. The company benefits from stable, long-standing local relationships and a conservative approach to credit, which supports asset quality. Its primary opportunity lies in upgrading its digital banking infrastructure to retain customers and compete more effectively with larger institutions. However, the company faces significant risks from geographic concentration, interest rate fluctuations, and rising compliance costs typical of the regional banking sector. This stock may suit investors seeking modest income and local exposure, though they should carefully monitor interest rate trends and competitive pressures from larger financial firms.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a small-cap regional bank with limited growth catalysts compared to high-growth sectors. |
| Momentum investor | Weak fit | The stock typically exhibits low liquidity and lacks the volatile price action favored by momentum traders. |
| Value investor | Mixed fit | The stock may offer value if trading below book value, but requires careful assessment of asset quality. |
| Dividend investor | Mixed fit | It may be suitable for income, but investors should verify payout sustainability. |
| Low-risk investor | Mixed fit | While community banks are generally stable, they carry risks related to interest rates and local economic downturns. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Thin trading volume can lead to wider bid-ask spreads and price swings. |
| Valuation risk | Medium | Overpaying relative to book value can limit potential returns. |
| Competition risk | High | Competition from larger banks with superior tech hampers market share growth. |
| Business quality | Medium | Sustainability depends heavily on local market health and asset quality. |
| Dividend income | Medium | Dividends depend on earnings, which are cyclical. |
| Execution risk | Medium | Management must navigate complex regulations and interest rate shifts. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 39.29% | Avg. Invested days 80 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 43.67M USD | Price to earnings Ratio 22 | 1Y Target Price - |
Price to earnings Ratio 22 | 1Y Target Price - | ||
Volume (30-day avg) 2.7K shares | Beta 0.33 | 52 Weeks Range 10.53 - 15.79 | Updated Date 10/28/2026 |
52 Weeks Range 10.53 - 15.79 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.66 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The bank makes money primarily by borrowing money at lower rates and lending it at higher rates. |
| Fee-Based Income | Service charges on deposit accounts and transaction fees. | Small recurring fees from account services provide a secondary, more stable income stream. |
Valuation
Trailing PE 22 | Forward PE - | Enterprise Value 42.97M | Price to Sales(TTM) 4.85 |
Enterprise Value 42.97M | Price to Sales(TTM) 4.85 | ||
Enterprise Value to Revenue 7.1 | Enterprise Value to EBITDA - | Shares Outstanding 3.01M | Shares Floating 2.33M |
Shares Outstanding 3.01M | Shares Floating 2.33M | ||
Percent Insiders 27.82 | Percent Institutions 21.08 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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