Magyar Bancorp (MGYR) Competitors

Magyar Bancorp (NASDAQ:MGYR) and Civista Bancshares (NASDAQ:CIVB) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, media sentiment, community ranking, dividends, earnings, risk, analyst recommendations, valuation and institutional ownership.

Is MGYR or CIVB more profitable?

Magyar Bancorp has a net margin of 14.91% compared to Civista Bancshares' net margin of 13.12%. Civista Bancshares' return on equity of 8.33% beat Magyar Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Magyar Bancorp	14.91%	7.22%	0.84%
Civista Bancshares	13.12%	8.33%	0.80%

Does the MarketBeat Community favor MGYR or CIVB?

Civista Bancshares received 203 more outperform votes than Magyar Bancorp when rated by MarketBeat users. However, 60.82% of users gave Magyar Bancorp an outperform vote while only 58.35% of users gave Civista Bancshares an outperform vote.

Company	Underperform	Outperform
Magyar Bancorp	Outperform Votes 59 60.82%	Underperform Votes 38 39.18%
Civista Bancshares	Outperform Votes 262 58.35%	Underperform Votes 187 41.65%

Which has preferable earnings and valuation, MGYR or CIVB?

Civista Bancshares has higher revenue and earnings than Magyar Bancorp. Civista Bancshares is trading at a lower price-to-earnings ratio than Magyar Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Magyar Bancorp	$31.59M	3.01	$7.78M	$1.24	11.81
Civista Bancshares	$150.48M	2.23	$42.96M	$2.01	10.61

Is MGYR or CIVB a better dividend stock?

Magyar Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.4%. Civista Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 3.0%. Magyar Bancorp pays out 16.1% of its earnings in the form of a dividend. Civista Bancshares pays out 31.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Civista Bancshares has increased its dividend for 13 consecutive years. Civista Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the media favor MGYR or CIVB?

In the previous week, Civista Bancshares had 7 more articles in the media than Magyar Bancorp. MarketBeat recorded 8 mentions for Civista Bancshares and 1 mentions for Magyar Bancorp. Civista Bancshares' average media sentiment score of 0.78 beat Magyar Bancorp's score of 0.00 indicating that Civista Bancshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Magyar Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Civista Bancshares	4 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts rate MGYR or CIVB?

Civista Bancshares has a consensus target price of $21.75, suggesting a potential upside of 1.97%. Given Civista Bancshares' stronger consensus rating and higher probable upside, analysts plainly believe Civista Bancshares is more favorable than Magyar Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Magyar Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Civista Bancshares	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Do insiders & institutionals believe in MGYR or CIVB?

46.3% of Magyar Bancorp shares are held by institutional investors. Comparatively, 52.1% of Civista Bancshares shares are held by institutional investors. 10.5% of Magyar Bancorp shares are held by insiders. Comparatively, 3.0% of Civista Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Which has more risk & volatility, MGYR or CIVB?

Magyar Bancorp has a beta of 0.31, meaning that its share price is 69% less volatile than the S&P 500. Comparatively, Civista Bancshares has a beta of 0.81, meaning that its share price is 19% less volatile than the S&P 500.

Summary

Civista Bancshares beats Magyar Bancorp on 14 of the 21 factors compared between the two stocks.