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Side-by-side financial comparison of Marathon Bancorp, Inc. (MBBC) and Spectral AI, Inc. (MDAI). Click either name above to swap in a different company.
Spectral AI, Inc. is the larger business by last-quarter revenue ($4.1M vs $2.2M, roughly 1.8× Marathon Bancorp, Inc.). Spectral AI, Inc. runs the higher net margin — 25.7% vs 22.3%, a 3.4% gap on every dollar of revenue. On growth, Marathon Bancorp, Inc. posted the faster year-over-year revenue change (41.7% vs -46.3%). Over the past eight quarters, Marathon Bancorp, Inc.'s revenue compounded faster (20.3% CAGR vs -19.6%).
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.
Spectral AI, Inc. is a medical technology firm specializing in AI-powered diagnostic imaging solutions primarily for burn and wound care. It develops non-invasive imaging tools that enable healthcare providers to deliver faster, more accurate treatment assessments, serving clinical and healthcare partner networks across North America and European markets.
MBBC vs MDAI — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.2M | $4.1M |
| Net Profit | $501.4K | $1.1M |
| Gross Margin | — | 45.2% |
| Operating Margin | 26.2% | -54.9% |
| Net Margin | 22.3% | 25.7% |
| Revenue YoY | 41.7% | -46.3% |
| Net Profit YoY | 880.7% | 113.9% |
| EPS (diluted) | $0.19 | $0.04 |
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 | $2.2M | $4.1M | ||
| Q3 25 | $2.1M | $3.8M | ||
| Q2 25 | $1.9M | $5.1M | ||
| Q1 25 | $1.7M | $6.7M | ||
| Q4 24 | $1.6M | $7.6M | ||
| Q3 24 | $1.6M | $8.2M | ||
| Q2 24 | $1.6M | $7.5M | ||
| Q1 24 | $1.6M | $6.3M |
| Q4 25 | $501.4K | $1.1M | ||
| Q3 25 | $444.3K | $-3.6M | ||
| Q2 25 | $-332.0K | $-8.0M | ||
| Q1 25 | $148.4K | $2.9M | ||
| Q4 24 | $51.1K | $-7.6M | ||
| Q3 24 | $174.9K | $-1.5M | ||
| Q2 24 | $85.8K | $-2.9M | ||
| Q1 24 | $-631.1K | $-3.2M |
| Q4 25 | — | 45.2% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 45.2% | ||
| Q1 25 | — | 47.2% | ||
| Q4 24 | — | 44.0% | ||
| Q3 24 | — | 44.9% | ||
| Q2 24 | — | 44.3% | ||
| Q1 24 | — | 46.6% |
| Q4 25 | 26.2% | -54.9% | ||
| Q3 25 | 25.5% | -88.1% | ||
| Q2 25 | -25.7% | -41.9% | ||
| Q1 25 | 11.6% | -13.4% | ||
| Q4 24 | 3.3% | -14.6% | ||
| Q3 24 | 13.4% | -10.8% | ||
| Q2 24 | 4.1% | -32.7% | ||
| Q1 24 | -53.7% | -33.9% |
| Q4 25 | 22.3% | 25.7% | ||
| Q3 25 | 20.7% | -93.7% | ||
| Q2 25 | -18.9% | -157.3% | ||
| Q1 25 | 8.9% | 43.2% | ||
| Q4 24 | 3.2% | -99.8% | ||
| Q3 24 | 10.8% | -18.4% | ||
| Q2 24 | 6.2% | -38.3% | ||
| Q1 24 | -40.7% | -50.7% |
| Q4 25 | $0.19 | $0.04 | ||
| Q3 25 | $0.17 | $-0.13 | ||
| Q2 25 | $-0.13 | $-0.31 | ||
| Q1 25 | $0.07 | $0.11 | ||
| Q4 24 | $0.02 | $-0.42 | ||
| Q3 24 | $0.06 | $-0.08 | ||
| Q2 24 | $0.07 | $-0.16 | ||
| Q1 24 | $-0.31 | $-0.19 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $15.4M |
| Total DebtLower is stronger | — | $9.3M |
| Stockholders' EquityBook value | $46.9M | $-5.7M |
| Total Assets | $248.0M | $21.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $15.4M | ||
| Q3 25 | — | $10.5M | ||
| Q2 25 | — | $10.5M | ||
| Q1 25 | — | $14.1M | ||
| Q4 24 | — | $5.2M | ||
| Q3 24 | — | $3.7M | ||
| Q2 24 | — | $6.9M | ||
| Q1 24 | — | $10.2M |
| Q4 25 | — | $9.3M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $7.8M | ||
| Q4 24 | — | $2.8M | ||
| Q3 24 | — | $1.0M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $46.9M | $-5.7M | ||
| Q3 25 | $46.3M | $-8.2M | ||
| Q2 25 | $45.7M | $-9.2M | ||
| Q1 25 | $32.0M | $-1.6M | ||
| Q4 24 | $31.7M | $-7.3M | ||
| Q3 24 | $31.6M | $-4.8M | ||
| Q2 24 | $31.3M | $-4.7M | ||
| Q1 24 | $31.4M | $-2.5M |
| Q4 25 | $248.0M | $21.4M | ||
| Q3 25 | $246.0M | $15.3M | ||
| Q2 25 | $238.8M | $16.0M | ||
| Q1 25 | $236.8M | $20.7M | ||
| Q4 24 | $217.9M | $12.1M | ||
| Q3 24 | $216.5M | $11.6M | ||
| Q2 24 | $219.3M | $13.9M | ||
| Q1 24 | $225.8M | $15.5M |
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 | $1.4M | $-2.6M |
| Free Cash FlowOCF − Capex | $1.4M | — |
| FCF MarginFCF / Revenue | 62.3% | — |
| Capex IntensityCapex / Revenue | 0.6% | — |
| Cash ConversionOCF / Net Profit | 2.82× | -2.43× |
| TTM Free Cash FlowTrailing 4 quarters | $3.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.4M | $-2.6M | ||
| Q3 25 | $464.0K | $-2.5M | ||
| Q2 25 | $1.4M | $-3.4M | ||
| Q1 25 | $849.0K | $-1.5M | ||
| Q4 24 | $113.6K | $469.0K | ||
| Q3 24 | $945.2K | $-1.6M | ||
| Q2 24 | $416.6K | $-5.4M | ||
| Q1 24 | $-802.1K | $-2.7M |
| Q4 25 | $1.4M | — | ||
| Q3 25 | $456.6K | — | ||
| Q2 25 | $1.3M | — | ||
| Q1 25 | $773.2K | — | ||
| Q4 24 | $105.0K | — | ||
| Q3 24 | $921.6K | — | ||
| Q2 24 | $-1.8M | — | ||
| Q1 24 | $-1.1M | — |
| Q4 25 | 62.3% | — | ||
| Q3 25 | 21.3% | — | ||
| Q2 25 | 66.0% | — | ||
| Q1 25 | 46.3% | — | ||
| Q4 24 | 6.6% | — | ||
| Q3 24 | 57.1% | — | ||
| Q2 24 | -118.5% | — | ||
| Q1 24 | -67.9% | — |
| Q4 25 | 0.6% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 9.3% | — | ||
| Q1 25 | 4.5% | — | ||
| Q4 24 | 0.5% | — | ||
| Q3 24 | 1.5% | — | ||
| Q2 24 | 145.2% | — | ||
| Q1 24 | 16.2% | — |
| Q4 25 | 2.82× | -2.43× | ||
| Q3 25 | 1.04× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 5.72× | -0.52× | ||
| Q4 24 | 2.22× | — | ||
| Q3 24 | 5.40× | — | ||
| Q2 24 | 4.85× | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
