Magyar Bancorp, Inc. (MGYR) vs Winchester Bancorp, Inc. (WSBK)

Magyar Bancorp, Inc. and Winchester Bancorp, Inc. are both Banks Regional companies. Magyar Bancorp, Inc. is the larger, with a market value of $128.4M against $116.0M — 1.1× the size. Magyar Bancorp, Inc. trades at the lower P/E: 10.4× against 26.4×. Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 16.1% against 7.51%. Magyar Bancorp, Inc. has the higher net margin (18.9% vs 8.56%) and the higher return on invested capital (8.99% vs 1.64%). Across the 16 metrics below, Magyar Bancorp, Inc. leads on 12 and Winchester Bancorp, Inc. on 4.

Valuation

Metric MGYR WSBK Banks Regional median
P/E 10.39 26.39 11.98
P/S 1.98 2.25 2.34
P/B 0.97 0.96 1.19
Price to free cash flow 7.59 22.07 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.63% 3.79% 8.23%
Free cash flow yield 13.18% 4.53% 9.08%

Profitability

Metric MGYR WSBK Banks Regional median
Gross margin 62.90% 50.85% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.89% 8.56% 18.66%
Free cash flow margin 26.07% 10.17% 21.11%
Return on equity 9.70% 3.75% 10.65%
Return on assets 1.16% 0.43% 1.13%
Return on invested capital 8.99% 1.64% 8.35%

Growth

Metric MGYR WSBK Banks Regional median
Revenue growth (TTM) 7.51% 16.05% 6.98%
EPS growth (last fiscal year) 26.83% 590.00% 18.88%
Revenue growth, 5-year CAGR 15.32% — 12.38%
Net income growth, 5-year CAGR 34.83% — 9.71%

Health

Metric MGYR WSBK Banks Regional median
Debt to equity 0.00 1.31 0.22
Current ratio 0.98 1.15 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric MGYR WSBK Banks Regional median
Market cap 128.40m 115.95m 913.33m

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