Stock fact sheet · data as of
Marathon Bancorp, Inc. (MBBC): fair value, margin of safety and Wheel Score
Ticker symbol MBBC · Financial Services · Banks - Regional · United States · Growth
Is MBBC undervalued?
MBBC closed at 14.43 on 5 Nov 2026, 10% below the GLS average fair value of 16.09 from 7 models (4 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" Wheel Trade Filter, with room for a bigger discount on the Value part.
The 7 models disagree widely: Lynch gives 2.38 while GLS Growth gives 36.38. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, MBBC is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 51, growth score 83, out of 100).
Nine valuation models for MBBC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 14.59 | +1% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 9.59 | -34% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.38 | -84% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 36.38 | +152% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 16.53 | +15% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 26.54 | +84% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 6.60 | -54% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -69.26 | -580% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - MBBC passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 3.6 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
Returns on capital are thin or negative - ROIC 2.6%, ROE 3.7%, ROA 0.7% - with debt at 0.42 times equity and a free-cash-flow yield of 4.7%.
Marathon Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 3/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 2.6% |
|---|---|---|---|
| GLS Moat | 3.6 / 10 | ROE | 3.7% |
| Debt / equity | 0.42 | ROA | 0.7% |
| Free-cash-flow yield | 4.7% | Payout ratio | 0% |
| Institutions | 3 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 22: No options
MBBC has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (22 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k shares a day on a market cap of $43M, with a beta of 0.33 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $43M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 10% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 3.6/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.33, $43M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for MBBC in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Marathon Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| LUMB Lumbee Guaranty Bank | 13.50 | 14.22 | +5% | 19No options | $43M |
| ALBY Community Capital Bancshares, Inc. | 33.50 | 85.24 | +61% | 31No options | $44M |
| HFBA HFB Financial Corporation | 37.70 | 54.18 | +30% | 32No options | $43M |
| UNBK United National Bank | 54.50 | 75.37 | +28% | 33No options | $44M |
| KFFB Kentucky First Federal Bancorp | 5.49 | 7.67 | +28% | 29No options | $44M |
| MDVT Middlebury National Corporation | 52.00 | 117.86 | +56% | 31No options | $45M |
| HCBC High Country Bancorp, Inc. | 45.05 | 47.76 | +6% | 23No options | $45M |
| HCKG Hocking Valley Bancshares, Inc. | 33.25 | 66.51 | +50% | 33No options | $41M |
| CYSM Community Bancorp of Santa Maria | 18.65 | 29.30 | +36% | 35No options | $41M |
| FRFC First Robinson Financial Corporation | 78.00 | 212.23 | +63% | 31No options | $40M |
| ANDC Andover Bancorp, Inc. | 19.76 | 29.74 | +34% | 31No options | $39M |
| QNTO Quaint Oak Bancorp, Inc. | 14.75 | 42.53 | +65% | 33No options | $39M |
⚖ Compare MBBC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about MBBC
Is MBBC undervalued right now?
By the GLS models, moderately: at 14.43 the stock trades 10% below the average fair value of 16.09 (data as of 5 Nov 2026).
What is the Wheel Score of MBBC and what does it mean?
MBBC has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for MBBC?
16.09 per share as of 5 Nov 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Marathon Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for MBBC in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does MBBC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on MBBC, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.