First Guaranty Bancshares, Inc. (FGBI) vs Magyar Bancorp, Inc. (MGYR)

First Guaranty Bancshares, Inc. and Magyar Bancorp, Inc. are both Banks Regional companies. First Guaranty Bancshares, Inc. and Magyar Bancorp, Inc. are of similar size ($130.8M and $125.0M). First Guaranty Bancshares, Inc. has negative trailing earnings, so its P/E is not meaningful; Magyar Bancorp, Inc. trades at 10.1×. Magyar Bancorp, Inc. grew revenue faster over the last twelve months: 7.51% against −8.17%. Magyar Bancorp, Inc. has the higher net margin (18.9% vs −17.9%) and the higher return on invested capital (8.99% vs 0.00%). Both pay a dividend; First Guaranty Bancshares, Inc. yields more (5.75% vs 1.12%). Across the 19 metrics below, Magyar Bancorp, Inc. leads on 13 and First Guaranty Bancshares, Inc. on 6.

Valuation

Metric FGBI MGYR Banks Regional median
P/E n/m 10.14 12.15
P/S 0.61 1.93 2.37
P/B 0.67 0.95 1.21
Price to free cash flow 3.27 7.41 10.80
EV/EBITDA n/m n/m —
EV/Sales (2.15) 2.22 2.27
Earnings yield (30.21%) 9.86% 8.11%
Free cash flow yield 30.56% 13.50% 8.98%

Profitability

Metric FGBI MGYR Banks Regional median
Gross margin 43.27% 62.90% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (17.91%) 18.89% 18.66%
Free cash flow margin 18.49% 26.07% 21.18%
Return on equity (18.24%) 9.70% 10.64%
Return on assets (0.98%) 1.16% 1.13%
Return on invested capital 0.00% 8.99% 8.33%

Growth

Metric FGBI MGYR Banks Regional median
Revenue growth (TTM) (8.17%) 7.51% 6.61%
EPS growth (last fiscal year) (614.81%) 26.83% —
Revenue growth, 5-year CAGR 12.24% 15.32% 12.30%
Net income growth, 5-year CAGR 0.00% 34.83% 9.71%

Health

Metric FGBI MGYR Banks Regional median
Debt to equity 0.82 0.00 0.22
Current ratio 0.73 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FGBI MGYR Banks Regional median
Dividend yield 5.75% 1.12% 3.75%
Payout ratio 0.41 0.10 0.27

Size

Metric FGBI MGYR Banks Regional median
Market cap 130.82m 125.01m 921.07m

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