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HYNE vs MGYR

HYNE
Hoyne Bancorp, Inc.
BEARISH
Price
$16.09
Market Cap
$119.9M
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
HYNE
536.33
MGYR
10.26
Forward P/E
HYNE
--
MGYR
--
P/B Ratio
HYNE
0.81
MGYR
0.94
P/S Ratio
HYNE
8.12
MGYR
3.15
EV/EBITDA
HYNE
--
MGYR
--

Profitability

Gross Margin
HYNE
0.0%
MGYR
0.0%
Operating Margin
HYNE
0.25%
MGYR
45.6%
Profit Margin
HYNE
1.58%
MGYR
29.59%
ROE
HYNE
0.19%
MGYR
9.26%
ROA
HYNE
0.05%
MGYR
1.05%

Growth

Revenue Growth
HYNE
51.4%
MGYR
16.1%
Earnings Growth
HYNE
--
MGYR
51.5%

Financial Health

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

Dividends

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

AI Verdict

HYNE BEARISH

Hoyne Bancorp exhibits a severe valuation disconnect, with a current price of $16.09 vastly exceeding its Graham Number ($3.67) and Intrinsic Value ($0.21). While the Piotroski F-Score of 4/9 indicates stable financial health, the company's profitability is negligible, evidenced by an ROE of 0.19% and an astronomical P/E ratio of 536.33. Despite strong top-line revenue growth of 51.4%, this growth is not translating into meaningful earnings. The stock is trading at a significant premium to its fundamental value despite a bearish technical trend.

Strengths
Strong YoY revenue growth of 51.40%
Trading below book value (Price/Book: 0.81)
Piotroski F-Score of 4/9 indicates stable (non-distressed) health
Risks
Extreme valuation gap (Price $16.09 vs Graham Number $3.67)
Unsustainable P/E ratio of 536.33
Critically low profitability (ROE 0.19%, ROA 0.05%)
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

HYNE vs MGYR: Head-to-Head Comparison

This page compares Hoyne Bancorp, Inc. (HYNE) 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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