Comparing Madison County Financial (MCBK) and Magyar Bancorp (MGYR)

Madison County Financial (OTCMKTS:MCBK) and Magyar Bancorp (NASDAQ:MGYR) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, dividends, profitability, valuation and risk.

Risk & Volatility

Madison County Financial has a beta of 0.04, suggesting that its share price is 96% less volatile than the S&P 500. Comparatively, Magyar Bancorp has a beta of 0.01, suggesting that its share price is 99% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and price targets for Madison County Financial and Magyar Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Madison County Financial 0 0 0 0 N/A
Magyar Bancorp 0 0 0 0 N/A

Valuation & Earnings

This table compares Madison County Financial and Magyar Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Madison County Financial $17.38 million 3.99 $4.63 million N/A N/A
Magyar Bancorp $26.47 million 2.69 $2.03 million N/A N/A

Madison County Financial has higher earnings, but lower revenue than Magyar Bancorp.

Dividends

Madison County Financial pays an annual dividend of $0.30 per share and has a dividend yield of 1.1%. Magyar Bancorp does not pay a dividend.

Institutional and Insider Ownership

16.3% of Magyar Bancorp shares are held by institutional investors. 16.9% of Madison County Financial shares are held by insiders. Comparatively, 3.8% of Magyar Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Madison County Financial and Magyar Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Madison County Financial N/A N/A N/A
Magyar Bancorp 7.66% 4.66% 0.38%

Madison County Financial Company Profile

Madison County Financial, Inc. operates as the holding company for Madison County Bank, provides banking and financial services to individual and corporate customers in Nebraska, the United States. It offers deposits, such as checking accounts, savings accounts, and certificates of deposit, and time deposits; debt securities; and debit cards. The company also provides agricultural real estate, machinery and equipment, livestock and crop, and operating loans; real estate, construction, investment property, and working capital loans, as well as equipment financing; residential mortgage loans, including conventional, portfolio, and construction home loans; government loans; home equity lines of credit; second mortgages; and home improvement, automobiles, trucks and vans, recreational vehicles, and personal loans, as well as overdraft protection services. In addition, it provides online banking, such as mobile banking and deposit, bill pay, and estatement services. The company was formerly known as Madison County Holding Company and changed its name to Madison County Financial, Inc. in October 2012. Madison County Financial, Inc. was founded in 1888 and is headquartered in Madison, Nebraska.

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. As of November 2, 2017, it operated through seven branch locations in New Brunswick, North Brunswick, South Brunswick, Branchburg, Bridgewater, and Edison. 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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