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JPM vs MGYR

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
MGYR
Magyar Bancorp, Inc.
BULLISH
Price
$17.76
Market Cap
$115.0M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
JPM
15.68
MGYR
10.26
Forward P/E
JPM
13.42
MGYR
--
P/B Ratio
JPM
2.47
MGYR
0.94
P/S Ratio
JPM
5.03
MGYR
3.15
EV/EBITDA
JPM
--
MGYR
--

Profitability

Gross Margin
JPM
0.0%
MGYR
0.0%
Operating Margin
JPM
41.06%
MGYR
45.6%
Profit Margin
JPM
33.91%
MGYR
29.59%
ROE
JPM
16.13%
MGYR
9.26%
ROA
JPM
1.35%
MGYR
1.05%

Growth

Revenue Growth
JPM
2.5%
MGYR
16.1%
Earnings Growth
JPM
-3.6%
MGYR
51.5%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
MGYR
2.25%
Payout Ratio
JPM
28.97%
MGYR
16.18%

AI Verdict

JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)
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

JPM vs MGYR: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) 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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