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AFBI vs MGYR

AFBI
Affinity Bancshares, Inc.
NEUTRAL
Price
$19.95
Market Cap
$123.0M
Sector
Financial Services
AI Confidence
80%
MGYR
Magyar Bancorp, Inc.
BULLISH
Price
$17.76
Market Cap
$115.0M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
AFBI
15.47
MGYR
10.26
Forward P/E
AFBI
--
MGYR
--
P/B Ratio
AFBI
0.96
MGYR
0.94
P/S Ratio
AFBI
3.74
MGYR
3.15
EV/EBITDA
AFBI
--
MGYR
--

Profitability

Gross Margin
AFBI
0.0%
MGYR
0.0%
Operating Margin
AFBI
36.1%
MGYR
45.6%
Profit Margin
AFBI
25.3%
MGYR
29.59%
ROE
AFBI
6.51%
MGYR
9.26%
ROA
AFBI
0.95%
MGYR
1.05%

Growth

Revenue Growth
AFBI
15.6%
MGYR
16.1%
Earnings Growth
AFBI
57.4%
MGYR
51.5%

Financial Health

Debt/Equity
AFBI
--
MGYR
--
Current Ratio
AFBI
--
MGYR
--
Quick Ratio
AFBI
--
MGYR
--

Dividends

Dividend Yield
AFBI
--
MGYR
2.25%
Payout Ratio
AFBI
0.0%
MGYR
16.18%

AI Verdict

AFBI NEUTRAL

AFBI shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (25.3% margin)
Strong revenue growth of 15.6%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
MGYR BULLISH

MGYR presents a classic deep-value opportunity, characterized by a Piotroski F-Score of 4/9 (Stable) and a current price ($17.76) trading significantly below both its Graham Number ($27.05) and Intrinsic Value ($51.03). The company exhibits strong fundamental growth with YoY earnings increasing by 51.50% and a Price-to-Book ratio of 0.94, indicating the stock is trading below its liquidation value. However, this value is tempered by a bearish technical trend and a poor earnings track record, having missed estimates in four consecutive quarters. Overall, the massive valuation discount outweighs the operational inconsistencies.

Strengths
Trading below book value (P/B 0.94)
Significant undervaluation relative to Graham Number ($27.05) and Intrinsic Value ($51.03)
Strong earnings growth (YoY +51.50%)
Risks
Consistent failure to meet earnings estimates (0/4 beats)
Bearish technical trend (0/100 score)
Low Piotroski F-Score (4/9) suggests only mediocre financial health

Compare Another Pair

AFBI vs MGYR: Head-to-Head Comparison

This page compares Affinity Bancshares, Inc. (AFBI) and Magyar Bancorp, Inc. (MGYR) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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