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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and Marathon Bancorp, Inc. (MBBC). Click either name above to swap in a different company.
Affinity Bancshares, Inc. is the larger business by last-quarter revenue ($8.6M vs $2.2M, roughly 3.8× Marathon Bancorp, Inc.). Affinity Bancshares, Inc. runs the higher net margin — 24.9% vs 22.3%, a 2.6% gap on every dollar of revenue. On growth, Marathon Bancorp, Inc. posted the faster year-over-year revenue change (41.7% vs 12.8%). Affinity Bancshares, Inc. produced more free cash flow last quarter ($11.2M vs $1.4M). Over the past eight quarters, Marathon Bancorp, Inc.'s revenue compounded faster (20.3% CAGR vs 8.1%).
Marathon Bancorp, Inc. is a Maryland-based financial holding company that primarily operates through its community bank subsidiary. It offers a full range of retail and commercial banking products including deposit accounts, consumer loans, commercial mortgages, and small business financing, serving individual and small-to-medium enterprise customers across local markets in Maryland.
AFBI vs MBBC — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $8.6M | $2.2M |
| Net Profit | $2.1M | $501.4K |
| Gross Margin | — | — |
| Operating Margin | 35.9% | 26.2% |
| Net Margin | 24.9% | 22.3% |
| Revenue YoY | 12.8% | 41.7% |
| Net Profit YoY | 58.5% | 880.7% |
| EPS (diluted) | $0.34 | $0.19 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $8.6M | $2.2M | ||
| Q3 25 | $8.4M | $2.1M | ||
| Q2 25 | $8.3M | $1.9M | ||
| Q1 25 | $7.8M | $1.7M | ||
| Q4 24 | $7.6M | $1.6M | ||
| Q3 24 | $8.0M | $1.6M | ||
| Q2 24 | $8.3M | $1.6M | ||
| Q1 24 | $7.3M | $1.6M |
| Q4 25 | $2.1M | $501.4K | ||
| Q3 25 | $2.2M | $444.3K | ||
| Q2 25 | $2.2M | $-332.0K | ||
| Q1 25 | $1.8M | $148.4K | ||
| Q4 24 | $1.3M | $51.1K | ||
| Q3 24 | $1.7M | $174.9K | ||
| Q2 24 | $1.0M | $85.8K | ||
| Q1 24 | $1.3M | $-631.1K |
| Q4 25 | 35.9% | 26.2% | ||
| Q3 25 | 34.9% | 25.5% | ||
| Q2 25 | 34.1% | -25.7% | ||
| Q1 25 | 30.8% | 11.6% | ||
| Q4 24 | 21.1% | 3.3% | ||
| Q3 24 | 28.5% | 13.4% | ||
| Q2 24 | 16.2% | 4.1% | ||
| Q1 24 | 24.0% | -53.7% |
| Q4 25 | 24.9% | 22.3% | ||
| Q3 25 | 26.5% | 20.7% | ||
| Q2 25 | 25.9% | -18.9% | ||
| Q1 25 | 23.4% | 8.9% | ||
| Q4 24 | 17.7% | 3.2% | ||
| Q3 24 | 21.7% | 10.8% | ||
| Q2 24 | 12.5% | 6.2% | ||
| Q1 24 | 18.2% | -40.7% |
| Q4 25 | $0.34 | $0.19 | ||
| Q3 25 | $0.34 | $0.17 | ||
| Q2 25 | $0.33 | $-0.13 | ||
| Q1 25 | $0.28 | $0.07 | ||
| Q4 24 | $0.21 | $0.02 | ||
| Q3 24 | $0.26 | $0.06 | ||
| Q2 24 | $0.16 | $0.07 | ||
| Q1 24 | $0.20 | $-0.31 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $53.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $127.0M | $46.9M |
| Total Assets | $881.7M | $248.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.9M | — | ||
| Q3 25 | $84.8M | — | ||
| Q2 25 | $89.7M | — | ||
| Q1 25 | $74.7M | — | ||
| Q4 24 | $41.4M | — | ||
| Q3 24 | $52.3M | — | ||
| Q2 24 | $50.4M | — | ||
| Q1 24 | $61.4M | — |
| Q4 25 | $127.0M | $46.9M | ||
| Q3 25 | $125.4M | $46.3M | ||
| Q2 25 | $124.1M | $45.7M | ||
| Q1 25 | $122.3M | $32.0M | ||
| Q4 24 | $129.1M | $31.7M | ||
| Q3 24 | $128.4M | $31.6M | ||
| Q2 24 | $125.1M | $31.3M | ||
| Q1 24 | $123.3M | $31.4M |
| Q4 25 | $881.7M | $248.0M | ||
| Q3 25 | $925.2M | $246.0M | ||
| Q2 25 | $933.8M | $238.8M | ||
| Q1 25 | $912.5M | $236.8M | ||
| Q4 24 | $866.8M | $217.9M | ||
| Q3 24 | $878.6M | $216.5M | ||
| Q2 24 | $873.6M | $219.3M | ||
| Q1 24 | $869.5M | $225.8M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $11.6M | $1.4M |
| Free Cash FlowOCF − Capex | $11.2M | $1.4M |
| FCF MarginFCF / Revenue | 130.9% | 62.3% |
| Capex IntensityCapex / Revenue | 4.9% | 0.6% |
| Cash ConversionOCF / Net Profit | 5.46× | 2.82× |
| TTM Free Cash FlowTrailing 4 quarters | $20.3M | $3.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.6M | $1.4M | ||
| Q3 25 | $3.7M | $464.0K | ||
| Q2 25 | $3.8M | $1.4M | ||
| Q1 25 | $1.9M | $849.0K | ||
| Q4 24 | $6.8M | $113.6K | ||
| Q3 24 | $4.1M | $945.2K | ||
| Q2 24 | $619.0K | $416.6K | ||
| Q1 24 | $1.2M | $-802.1K |
| Q4 25 | $11.2M | $1.4M | ||
| Q3 25 | $3.6M | $456.6K | ||
| Q2 25 | $3.7M | $1.3M | ||
| Q1 25 | $1.8M | $773.2K | ||
| Q4 24 | $6.4M | $105.0K | ||
| Q3 24 | $4.0M | $921.6K | ||
| Q2 24 | $489.0K | $-1.8M | ||
| Q1 24 | $1.1M | $-1.1M |
| Q4 25 | 130.9% | 62.3% | ||
| Q3 25 | 43.3% | 21.3% | ||
| Q2 25 | 44.0% | 66.0% | ||
| Q1 25 | 22.7% | 46.3% | ||
| Q4 24 | 83.9% | 6.6% | ||
| Q3 24 | 49.5% | 57.1% | ||
| Q2 24 | 5.9% | -118.5% | ||
| Q1 24 | 14.8% | -67.9% |
| Q4 25 | 4.9% | 0.6% | ||
| Q3 25 | 0.8% | 0.3% | ||
| Q2 25 | 1.4% | 9.3% | ||
| Q1 25 | 1.9% | 4.5% | ||
| Q4 24 | 5.6% | 0.5% | ||
| Q3 24 | 1.7% | 1.5% | ||
| Q2 24 | 1.6% | 145.2% | ||
| Q1 24 | 1.8% | 16.2% |
| Q4 25 | 5.46× | 2.82× | ||
| Q3 25 | 1.66× | 1.04× | ||
| Q2 25 | 1.75× | — | ||
| Q1 25 | 1.05× | 5.72× | ||
| Q4 24 | 5.05× | 2.22× | ||
| Q3 24 | 2.36× | 5.40× | ||
| Q2 24 | 0.60× | 4.85× | ||
| Q1 24 | 0.91× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
