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BSBK vs MGYR

BSBK
Bogota Financial Corp.
NEUTRAL
Price
$8.64
Market Cap
$112.0M
Sector
Financial Services
AI Confidence
90%
MGYR
Magyar Bancorp, Inc.
BULLISH
Price
$17.76
Market Cap
$115.0M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BSBK
50.82
MGYR
10.26
Forward P/E
BSBK
24.69
MGYR
--
P/B Ratio
BSBK
0.77
MGYR
0.94
P/S Ratio
BSBK
6.45
MGYR
3.15
EV/EBITDA
BSBK
--
MGYR
--

Profitability

Gross Margin
BSBK
0.0%
MGYR
0.0%
Operating Margin
BSBK
16.95%
MGYR
45.6%
Profit Margin
BSBK
12.04%
MGYR
29.59%
ROE
BSBK
1.5%
MGYR
9.26%
ROA
BSBK
0.22%
MGYR
1.05%

Growth

Revenue Growth
BSBK
44.0%
MGYR
16.1%
Earnings Growth
BSBK
--
MGYR
51.5%

Financial Health

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

Dividends

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

AI Verdict

BSBK NEUTRAL

BSBK shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.

Strengths
Strong revenue growth of 44.0%
Risks
High valuation with P/E of 50.8
Weak ROE of 1.5%
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

BSBK vs MGYR: Head-to-Head Comparison

This page compares Bogota Financial Corp. (BSBK) 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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