Magyar Bancorp, Inc. (MGYR) vs Riverview Bancorp Inc (RVSB)

Magyar Bancorp, Inc. and Riverview Bancorp Inc are both Banks Regional companies. Magyar Bancorp, Inc. and Riverview Bancorp Inc are of similar size ($125.0M and $117.7M). Riverview Bancorp 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 −11.2%. Magyar Bancorp, Inc. has the higher net margin (18.9% vs −5.87%) and the higher return on invested capital (8.99% vs −3.72%). Both pay a dividend; Riverview Bancorp Inc yields more (4.91% vs 1.12%). Across the 19 metrics below, Magyar Bancorp, Inc. leads on 14 and Riverview Bancorp Inc on 5.

Valuation

Metric MGYR RVSB Banks Regional median
P/E 10.14 n/m 12.15
P/S 1.93 1.84 2.37
P/B 0.95 0.83 1.21
Price to free cash flow 7.41 8.68 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.22 0.98 2.27
Earnings yield 9.86% (3.19%) 8.11%
Free cash flow yield 13.50% 11.52% 8.98%

Profitability

Metric MGYR RVSB Banks Regional median
Gross margin 62.90% 68.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.89% (5.87%) 18.66%
Free cash flow margin 26.07% 21.18% 21.18%
Return on equity 9.70% (2.52%) 10.64%
Return on assets 1.16% (0.26%) 1.13%
Return on invested capital 8.99% (3.72%) 8.33%

Growth

Metric MGYR RVSB Banks Regional median
Revenue growth (TTM) 7.51% (11.21%) 6.61%
EPS growth (last fiscal year) 26.83% (191.30%) —
Revenue growth, 5-year CAGR 15.32% 1.73% 12.30%
Net income growth, 5-year CAGR 34.83% 0.00% 9.71%

Health

Metric MGYR RVSB Banks Regional median
Debt to equity 0.00 0.31 0.22
Current ratio 0.98 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MGYR RVSB Banks Regional median
Dividend yield 1.12% 4.91% 3.75%
Payout ratio 0.10 0.24 0.27

Size

Metric MGYR RVSB Banks Regional median
Market cap 125.01m 117.72m 921.07m

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