Generations Bancorp NY, Inc. (GBNY) vs Marathon Bancorp, Inc. (MBBC)

Generations Bancorp NY, Inc. and Marathon Bancorp, Inc. are both Banks Regional companies. Marathon Bancorp, Inc. is the larger, with a market value of $46.0M against $35.1M — 1.3× the size. Generations Bancorp NY, 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 19.2%. Marathon Bancorp, Inc. has the higher net margin (14.1% vs −13.2%) and the higher return on invested capital (2.98% vs −4.85%). Across the 17 metrics below, Marathon Bancorp, Inc. leads on 14 and Generations Bancorp NY, Inc. on 3.

Valuation

Metric GBNY MBBC Banks Regional median
P/E n/m 36.26 12.15
P/S 1.74 3.23 2.37
P/B 0.98 0.86 1.21
Price to free cash flow n/m 20.36 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.15 3.16 2.27
Earnings yield (7.58%) 2.76% 8.11%
Free cash flow yield (0.12%) 4.91% 8.98%

Profitability

Metric GBNY MBBC Banks Regional median
Gross margin 51.21% 70.96% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (13.15%) 14.07% 18.66%
Free cash flow margin (0.21%) 15.87% 21.18%
Return on equity (7.27%) 3.82% 10.64%
Return on assets (0.66%) 0.72% 1.13%
Return on invested capital (4.85%) 2.98% 8.33%

Growth

Metric GBNY MBBC Banks Regional median
Revenue growth (TTM) 19.21% 23.59% 6.61%
EPS growth (last fiscal year) (253.00%) 123.09% —
Revenue growth, 5-year CAGR 8.97% 4.37% 12.30%
Net income growth, 5-year CAGR 0.00% 1.39% 9.71%

Health

Metric GBNY MBBC Banks Regional median
Debt to equity 0.60 0.42 0.22
Current ratio 0.99 1.26 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric GBNY MBBC Banks Regional median
Market cap 35.11m 45.99m 921.07m

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