Hoyne Bancorp, Inc. (HYNE) vs Magyar Bancorp, Inc. (MGYR)

Hoyne Bancorp, Inc. and Magyar Bancorp, Inc. are both Banks Regional companies. Hoyne Bancorp, Inc. and Magyar Bancorp, Inc. are of similar size ($136.0M and $128.4M). Magyar Bancorp, Inc. has the higher net margin (18.9% vs 1.14%) and the higher return on invested capital (8.99% vs 0.02%). Across the 10 metrics below, Magyar Bancorp, Inc. leads on 7 and Hoyne Bancorp, Inc. on 3.

Valuation

Metric HYNE MGYR Banks Regional median
P/E — 10.39 11.98
P/S 5.52 1.98 2.34
P/B 0.78 0.97 1.19
Price to free cash flow n/m 7.59 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield — 9.63% 8.23%
Free cash flow yield (3.42%) 13.18% 9.08%

Profitability

Metric HYNE MGYR Banks Regional median
Gross margin 77.92% 62.90% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.14% 18.89% 18.66%
Free cash flow margin (18.89%) 26.07% 21.11%
Return on equity 0.21% 9.70% 10.65%
Return on assets 0.11% 1.16% 1.13%
Return on invested capital 0.02% 8.99% 8.35%

Growth

Metric HYNE MGYR Banks Regional median
Revenue growth (TTM) — 7.51% 6.98%
EPS growth (last fiscal year) — 26.83% 18.88%
Revenue growth, 5-year CAGR — 15.32% 12.38%
Net income growth, 5-year CAGR — 34.83% 9.71%

Health

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

Dividend

Metric HYNE MGYR Banks Regional median
Dividend yield — 1.92% 2.57%
Payout ratio — 0.20 0.30

Size

Metric HYNE MGYR Banks Regional median
Market cap 136.03m 128.40m 913.33m

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