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MGYR vs SFBC

MGYR
Magyar Bancorp, Inc.
BULLISH
Price
$17.76
Market Cap
$115.0M
Sector
Financial Services
AI Confidence
75%
SFBC
Sound Financial Bancorp, Inc.
NEUTRAL
Price
$44.18
Market Cap
$113.5M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MGYR
10.26
SFBC
15.95
Forward P/E
MGYR
--
SFBC
--
P/B Ratio
MGYR
0.94
SFBC
1.03
P/S Ratio
MGYR
3.15
SFBC
2.93
EV/EBITDA
MGYR
--
SFBC
--

Profitability

Gross Margin
MGYR
0.0%
SFBC
0.0%
Operating Margin
MGYR
45.6%
SFBC
27.04%
Profit Margin
MGYR
29.59%
SFBC
18.47%
ROE
MGYR
9.26%
SFBC
6.72%
ROA
MGYR
1.05%
SFBC
0.69%

Growth

Revenue Growth
MGYR
16.1%
SFBC
0.6%
Earnings Growth
MGYR
51.5%
SFBC
16.4%

Financial Health

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

Dividends

Dividend Yield
MGYR
2.25%
SFBC
1.89%
Payout Ratio
MGYR
16.18%
SFBC
27.44%

AI Verdict

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
SFBC NEUTRAL

SFBC presents as a classic value play with a Piotroski F-Score of 4/9, indicating stable but not strong financial health. The stock is currently trading at a significant discount to both its Graham Number ($51.62) and estimated Intrinsic Value ($81.72), with a Price-to-Book ratio of 1.03. However, this valuation is offset by stagnant revenue growth (0.60%) and a completely bearish technical trend (0/100). While earnings growth is robust at 16.40%, the lack of top-line expansion and bearish insider sentiment suggest a lack of immediate catalysts.

Strengths
Trading below Graham Number and Intrinsic Value
Strong YoY earnings growth of 16.40%
Conservative dividend payout ratio (27.44%)
Risks
Near-zero revenue growth (0.60% YoY)
Bearish technical trend (0/100)
Insider selling by the CEO

Compare Another Pair

MGYR vs SFBC: Head-to-Head Comparison

This page compares Magyar Bancorp, Inc. (MGYR) and Sound Financial Bancorp, Inc. (SFBC) 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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