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FinWise Bancorp (FINW) vs Magyar Bancorp, Inc. (MGYR)

FinWise Bancorp and Magyar Bancorp, Inc. are both Banks Regional companies. FinWise Bancorp is the larger, with a market value of $187.9M against $142.1M — 1.3× the size. Magyar Bancorp, Inc. trades at the lower P/E: 11.4× against 13.5×. FinWise Bancorp grew revenue faster over the last twelve months: 90.2% against 7.51%. Magyar Bancorp, Inc. has the higher net margin (18.9% vs 6.53%) and the lower return on invested capital (8.99% vs 11.0%). Across the 17 metrics below, Magyar Bancorp, Inc. leads on 10 and FinWise Bancorp on 7.

Valuation

Metric FINW MGYR Banks Regional median
P/E 13.47 11.40 12.02
P/S 0.89 2.17 2.36
P/B 0.90 1.07 1.23
Price to free cash flow 34.92 8.33 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.42% 8.77% 8.21%
Free cash flow yield 2.86% 12.01% 9.23%

Profitability

Metric FINW MGYR Banks Regional median
Gross margin 89.27% 62.90% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.53% 18.89% 18.82%
Free cash flow margin 2.55% 26.07% 17.97%
Return on equity 6.94% 9.70% 10.28%
Return on assets 1.50% 1.16% 1.13%
Return on invested capital 10.95% 8.99% 8.45%

Growth

Metric FINW MGYR Banks Regional median
Revenue growth (TTM) 90.17% 7.51% 6.37%
EPS growth (last fiscal year) 21.51% 26.83% 18.85%
Revenue growth, 5-year CAGR 28.03% 15.32% 12.65%
Net income growth, 5-year CAGR 8.23% 34.83% 9.81%

Health

Metric FINW MGYR Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.88 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FINW MGYR Banks Regional median
Dividend yield — 1.74% 2.49%
Payout ratio — 0.20 0.29

Size

Metric FINW MGYR Banks Regional median
Market cap 187.87m 142.14m 934.85m

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