Malvern Bancorp (NASDAQ:MLVF) and Magyar Bancorp (NASDAQ:MGYR) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, analyst recommendations, risk, dividends and valuation.
This table compares Malvern Bancorp and Magyar Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Malvern Bancorp has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500. Comparatively, Magyar Bancorp has a beta of 0.08, meaning that its stock price is 92% less volatile than the S&P 500.
This is a summary of current ratings and target prices for Malvern Bancorp and Magyar Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Malvern Bancorp presently has a consensus target price of $22.00, suggesting a potential downside of 3.93%. Given Malvern Bancorp’s higher possible upside, equities research analysts plainly believe Malvern Bancorp is more favorable than Magyar Bancorp.
Insider & Institutional Ownership
62.8% of Malvern Bancorp shares are owned by institutional investors. Comparatively, 18.4% of Magyar Bancorp shares are owned by institutional investors. 3.8% of Malvern Bancorp shares are owned by company insiders. Comparatively, 3.9% of Magyar Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Valuation & Earnings
This table compares Malvern Bancorp and Magyar Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Malvern Bancorp||$50.25 million||3.54||$9.33 million||N/A||N/A|
|Magyar Bancorp||$29.24 million||2.44||$3.00 million||N/A||N/A|
Malvern Bancorp has higher revenue and earnings than Magyar Bancorp.
Malvern Bancorp beats Magyar Bancorp on 9 of the 11 factors compared between the two stocks.
Malvern Bancorp Company Profile
Malvern Bancorp, Inc. operates as the bank holding company for Malvern Bank that provides various banking products and services to consumer and business customers in Pennsylvania. The company accepts checking accounts, retirement accounts, money market accounts, time and savings accounts, interest and non-interest bearing accounts, NOW accounts, and CDARS/ICS reciprocal deposits. Its loan products include residential mortgage loans, such as one class and one-to four-family first lien residential mortgage loans; residential and commercial construction loans, and land loans; commercial loans, such as commercial real estate loans, multi-family real estate loans, industrial loans, and commercial business loans; and consumer loans comprising home equity lines of credit, second mortgage loans, and unsecured consumer lines of credit. The company also offers credit cards; wealth management and advisory services, such as liquidity management, investment, 401k accounts and planning, custody, lending, wealth planning, trust and fiduciary, family wealth advisory, and philanthropic advisory services; insurance services; and wire transfer, automated teller, Internet banking, ACH origination, telephone and mobile banking, safe deposit box, remote deposit capture banking, and mobile remote deposit capture banking services. As of September 30, 2018, the company owns and maintains its headquarters and six full-service financial centers; leases financial centers in Glen Mills and Villanova, Pennsylvania; private banking offices in Morristown, New Jersey and Palm Beach, Florida; and leases representative office in Montchanin, Delaware. Malvern Bancorp, Inc. was founded in 1887 and is based in Paoli, Pennsylvania.
Magyar Bancorp Company Profile
Magyar Bancorp, Inc. operates as the mid-tier stock holding company for Magyar Bank that provides various banking products and services to families and businesses in New Jersey, the United States. Its product portfolio includes various deposit products, such as demand, NOW, money market, savings, and retirement accounts, as well as certificates of deposit; and loan products comprising one-to four-family residential mortgage loans, multi-family and commercial real estate mortgage loans, home equity loans and lines of credit, commercial business loans, small business administration loans, and construction loans, as well as consumer loans, which primarily include secured demand loans. The company also provides non-deposit investment products and financial planning services, including insurance products, fixed and variable annuities, and retirement planning for individual and commercial customers; and investment securities. It operates through seven branch locations in New Brunswick, North Brunswick, South Brunswick, Branchburg, Bridgewater, and Edison; and a loan product office in New Jersey. The company was founded in 1922 and is headquartered in New Brunswick, New Jersey. Magyar Bancorp, Inc. is a subsidiary of Magyar Bancorp, MHC.
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