Marathon Bancorp, Inc. (MBBC) vs Texas Community Bancshares, Inc. (TCBS)

Marathon Bancorp, Inc. and Texas Community Bancshares, Inc. are both Banks Regional companies. Texas Community Bancshares, Inc. is the larger, with a market value of $49.6M against $44.1M — 1.1× the size. Texas Community Bancshares, Inc. trades at the lower P/E: 13.4× against 21.3×. Marathon Bancorp, Inc. grew revenue faster over the last twelve months: 23.6% against 5.96%. Marathon Bancorp, Inc. has the higher net margin (14.1% vs 12.7%) and the higher return on invested capital (2.98% vs 2.83%). Across the 18 metrics below, Marathon Bancorp, Inc. leads on 11 and Texas Community Bancshares, Inc. on 7.

Valuation

Metric MBBC TCBS Banks Regional median
P/E 21.32 13.39 11.98
P/S 3.07 1.72 2.34
P/B 0.81 0.82 1.19
Price to free cash flow 19.32 19.41 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.69% 7.47% 8.23%
Free cash flow yield 5.18% 5.15% 9.08%

Profitability

Metric MBBC TCBS Banks Regional median
Gross margin 70.96% 66.26% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.07% 12.68% 18.66%
Free cash flow margin 15.87% 8.85% 21.11%
Return on equity 3.82% 6.16% 10.65%
Return on assets 0.72% 0.75% 1.13%
Return on invested capital 2.98% 2.83% 8.35%

Growth

Metric MBBC TCBS Banks Regional median
Revenue growth (TTM) 23.59% 5.96% 6.98%
EPS growth (last fiscal year) 4,185.71% 327.27% 18.88%
Revenue growth, 5-year CAGR 4.37% 15.65% 12.38%
Net income growth, 5-year CAGR 1.39% 30.57% 9.71%

Health

Metric MBBC TCBS Banks Regional median
Debt to equity 0.42 0.84 0.22
Current ratio 1.26 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MBBC TCBS Banks Regional median
Dividend yield — 1.00% 2.57%
Payout ratio — 0.14 0.30

Size

Metric MBBC TCBS Banks Regional median
Market cap 44.13m 49.58m 913.33m

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