Bank of the James Financial Group, Inc. (BOTJ) vs Magyar Bancorp, Inc. (MGYR)

Bank of the James Financial Group, Inc. and Magyar Bancorp, Inc. are both Banks Regional companies. Bank of the James Financial Group, Inc. and Magyar Bancorp, Inc. are of similar size ($125.0M and $121.3M). Magyar Bancorp, Inc. trades at the lower P/E: 10.1× against 10.6×. Magyar Bancorp, Inc. grew revenue faster over the last twelve months: 7.51% against 6.20%. Magyar Bancorp, Inc. has the higher net margin (18.9% vs 17.7%) and the lower return on invested capital (8.99% vs 18.7%). Both pay a dividend; Bank of the James Financial Group, Inc. yields more (2.68% vs 1.12%). Across the 19 metrics below, Magyar Bancorp, Inc. leads on 13 and Bank of the James Financial Group, Inc. on 6.

Valuation

Metric BOTJ MGYR Banks Regional median
P/E 10.57 10.14 12.15
P/S 1.87 1.93 2.37
P/B 1.46 0.95 1.21
Price to free cash flow 10.51 7.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.64 2.22 2.27
Earnings yield 9.46% 9.86% 8.11%
Free cash flow yield 9.51% 13.50% 8.98%

Profitability

Metric BOTJ MGYR Banks Regional median
Gross margin 79.81% 62.90% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.72% 18.89% 18.66%
Free cash flow margin 17.83% 26.07% 21.18%
Return on equity 14.84% 9.70% 10.64%
Return on assets 1.12% 1.16% 1.13%
Return on invested capital 18.72% 8.99% 8.33%

Growth

Metric BOTJ MGYR Banks Regional median
Revenue growth (TTM) 6.20% 7.51% 6.61%
EPS growth (last fiscal year) 13.71% 26.83% —
Revenue growth, 5-year CAGR 8.98% 15.32% 12.30%
Net income growth, 5-year CAGR 12.62% 34.83% 9.71%

Health

Metric BOTJ MGYR Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.78 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOTJ MGYR Banks Regional median
Dividend yield 2.68% 1.12% 3.75%
Payout ratio 0.16 0.10 0.27

Size

Metric BOTJ MGYR Banks Regional median
Market cap 121.26m 125.01m 921.07m

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