Magyar Bancorp Inc (MGYR)vsRoyal Bank of Canada (RY)
MGYR
Magyar Bancorp Inc
$22.56
+1.17%
FINANCIAL SERVICES · Cap: $128.46M
RY
Royal Bank of Canada
$204.57
+0.78%
FINANCIAL SERVICES · Cap: $281.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 175010% more annual revenue ($67.15B vs $38.35M). RY leads profitability with a 33.9% profit margin vs 30.7%. MGYR trades at a lower P/E of 10.6x. RY earns a higher WallStSmart Score of 68/100 (B-).
MGYR
Buy64
out of 100
Grade: C+
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Earnings expanding 23.3% YoY
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MGYR
The strongest argument for MGYR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.7% and operating margin at 45.3%. Revenue growth of 13.5% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : MGYR
The primary concerns for MGYR are Market Cap, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.91 — expect wider price swings.
MGYR is growing revenue faster at 13.5% — sustainability is the question.
MGYR generates stronger free cash flow (5M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RY scores higher overall (68/100 vs 64/100), backed by strong 33.9% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Magyar Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Magyar Bancorp, Inc. is the holding company of Magyar Bank providing various banking services in the United States.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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