Marathon Bancorp, Inc. (MBBC) vs NSTS Bancorp, Inc. (NSTS)

Marathon Bancorp, Inc. and NSTS Bancorp, Inc. are both Banks Regional companies. NSTS Bancorp, Inc. is the larger, with a market value of $74.1M against $46.0M — 1.6× the size. NSTS 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 7.00%. Marathon Bancorp, Inc. has the higher net margin (14.1% vs −0.31%) and the higher return on invested capital (2.98% vs −0.09%). Across the 18 metrics below, Marathon Bancorp, Inc. leads on 11 and NSTS Bancorp, Inc. on 7.

Valuation

Metric MBBC NSTS Banks Regional median
P/E 36.26 n/m 12.15
P/S 3.23 4.99 2.37
P/B 0.86 0.87 1.21
Price to free cash flow 20.36 4.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.16 1.48 2.27
Earnings yield 2.76% (0.06%) 8.11%
Free cash flow yield 4.91% 22.83% 8.98%

Profitability

Metric MBBC NSTS Banks Regional median
Gross margin 70.96% 77.36% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.07% (0.31%) 18.66%
Free cash flow margin 15.87% 113.89% 21.18%
Return on equity 3.82% (0.05%) 10.64%
Return on assets 0.72% (0.02%) 1.13%
Return on invested capital 2.98% (0.09%) 8.33%

Growth

Metric MBBC NSTS Banks Regional median
Revenue growth (TTM) 23.59% 7.00% 6.61%
EPS growth (last fiscal year) 123.09% 50.00% —
Revenue growth, 5-year CAGR 4.37% 11.74% 12.30%
Net income growth, 5-year CAGR 1.39% 0.00% 9.71%

Health

Metric MBBC NSTS Banks Regional median
Debt to equity 0.42 0.00 0.22
Current ratio 1.26 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric MBBC NSTS Banks Regional median
Market cap 45.99m 74.12m 921.07m

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