Carver Bancorp, Inc. (CARV) vs Marathon Bancorp, Inc. (MBBC)

Carver Bancorp, Inc. and Marathon Bancorp, Inc. are both Banks Regional companies. Marathon Bancorp, Inc. is the larger, with a market value of $46.0M against $6.3M — 7.3× the size. Carver Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Marathon Bancorp, Inc. trades at 36.3×. Marathon Bancorp, Inc. grew revenue faster over the last twelve months: 23.6% against 5.17%. Marathon Bancorp, Inc. has the higher net margin (14.1% vs −18.7%) and the higher return on invested capital (2.98% vs −21.1%). Across the 17 metrics below, Marathon Bancorp, Inc. leads on 14 and Carver Bancorp, Inc. on 3.

Valuation

Metric CARV MBBC Banks Regional median
P/E n/m 36.26 12.15
P/S 0.27 3.23 2.37
P/B 6.36 0.86 1.21
Price to free cash flow n/m 20.36 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.23 3.16 2.27
Earnings yield (79.07%) 2.76% 8.11%
Free cash flow yield (91.32%) 4.91% 8.98%

Profitability

Metric CARV MBBC Banks Regional median
Gross margin 68.30% 70.96% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (18.71%) 14.07% 18.66%
Free cash flow margin 0.00% 15.87% 21.18%
Return on equity (176.08%) 3.82% 10.64%
Return on assets (1.09%) 0.72% 1.13%
Return on invested capital (21.13%) 2.98% 8.33%

Growth

Metric CARV MBBC Banks Regional median
Revenue growth (TTM) 5.17% 23.59% 6.61%
EPS growth (last fiscal year) 51.32% 123.09% —
Revenue growth, 5-year CAGR 8.93% 4.37% 12.30%
Net income growth, 5-year CAGR 0.00% 1.39% 9.71%

Health

Metric CARV MBBC Banks Regional median
Debt to equity 1.69 0.42 0.22
Current ratio 1.03 1.26 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CARV MBBC Banks Regional median
Dividend yield — — 3.75%
Payout ratio 0.00 — 0.27

Size

Metric CARV MBBC Banks Regional median
Market cap 6.29m 45.99m 921.07m

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