Southern Banc (OTCMKTS:SRNN) and Magyar Bancorp (NASDAQ:MGYR) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, earnings, institutional ownership, dividends, valuation and risk.
Institutional and Insider Ownership
16.6% of Magyar Bancorp shares are owned by institutional investors. 22.0% of Southern Banc shares are owned by insiders. Comparatively, 3.9% of Magyar Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Southern Banc has a beta of 0.31, suggesting that its share price is 69% less volatile than the S&P 500. Comparatively, Magyar Bancorp has a beta of -0.01, suggesting that its share price is 101% less volatile than the S&P 500.
This table compares Southern Banc and Magyar Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a summary of recent ratings and price targets for Southern Banc and Magyar Bancorp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Earnings & Valuation
This table compares Southern Banc and Magyar Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Southern Banc||$5.53 million||1.36||-$560,000.00||N/A||N/A|
|Magyar Bancorp||$26.47 million||2.50||$2.03 million||N/A||N/A|
Magyar Bancorp has higher revenue and earnings than Southern Banc.
Magyar Bancorp beats Southern Banc on 6 of the 9 factors compared between the two stocks.
About Southern Banc
The Southern Banc Company, Inc. operates as the holding company for The Southern Bank Company that provides various banking products and services in Alabama. Its personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. The company's business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. It also offers commercial accounts, accounts receivable management, factoring services, and online banking and ATM services. The company operates through four full service banking offices located in Gadsden, Albertville, Guntersville, and Centre, as well as through one commercial finance office located in Birmingham. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.
About Magyar Bancorp
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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