Magyar Bancorp, Inc. (MGYR) vs Sound Financial Bancorp, Inc. (SFBC)

Magyar Bancorp, Inc. and Sound Financial Bancorp, Inc. are both Banks Regional companies. Magyar Bancorp, Inc. and Sound Financial Bancorp, Inc. are of similar size ($125.0M and $118.1M). Magyar Bancorp, Inc. trades at the lower P/E: 10.1× against 13.7×. Magyar Bancorp, Inc. grew revenue faster over the last twelve months: 7.51% against −0.76%. Magyar Bancorp, Inc. has the higher net margin (18.9% vs 12.8%) and the lower return on invested capital (8.99% vs 1,916.1%). Both pay a dividend; Sound Financial Bancorp, Inc. yields more (2.33% vs 1.12%). Across the 20 metrics below, Magyar Bancorp, Inc. leads on 13 and Sound Financial Bancorp, Inc. on 7.

Valuation

Metric MGYR SFBC Banks Regional median
P/E 10.14 13.69 12.15
P/S 1.93 1.76 2.37
P/B 0.95 0.97 1.21
Price to free cash flow 7.41 14.94 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.22 (0.04) 2.27
Earnings yield 9.86% 7.30% 8.11%
Free cash flow yield 13.50% 6.70% 8.98%

Profitability

Metric MGYR SFBC Banks Regional median
Gross margin 62.90% 64.69% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.89% 12.84% 18.66%
Free cash flow margin 26.07% 11.77% 21.18%
Return on equity 9.70% 7.33% 10.64%
Return on assets 1.16% 0.75% 1.13%
Return on invested capital 8.99% 1,916.08% 8.33%

Growth

Metric MGYR SFBC Banks Regional median
Revenue growth (TTM) 7.51% (0.76%) 6.61%
EPS growth (last fiscal year) 26.83% 53.89% —
Revenue growth, 5-year CAGR 15.32% 7.74% 12.30%
Net income growth, 5-year CAGR 34.83% (4.41%) 9.71%

Health

Metric MGYR SFBC Banks Regional median
Debt to equity 0.00 0.07 0.22
Current ratio 0.98 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MGYR SFBC Banks Regional median
Dividend yield 1.12% 2.33% 3.75%
Payout ratio 0.10 0.17 0.27

Size

Metric MGYR SFBC Banks Regional median
Market cap 125.01m 118.13m 921.07m

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