COMP <GO>
MGYR vs LSBK // EV/EBITDA & P/E VALUATION
Magyar Bancorp Inc. (NASDAQ) VS. Lake Shore Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: MGYR 5
— LSBK 1
■ METRIC PARITY
LAST: $20.24 (+0.45%) • MKT CAP: $130.7M
valuation
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LAST: $19.04 (+0.32%) • MKT CAP: $149.5M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MGYR VS. LSBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | MGYR | LSBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.00% | 5.10% | +2.90 | MGYR | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.51% | 5.35% | +2.16 | MGYR | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.40% | 1.12% | +0.28 | MGYR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 77.7 | 57.1 | +20.54 | MGYR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.5x | 19.2x | -6.70 | MGYR | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $130.7M | $149.5M | -$18.9M | LSBK | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | MGYR REV | LSBK REV | MGYR GROSS % | LSBK GROSS % | MGYR FCF | LSBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $9.8M | $8.0M |
| FY 2024 | $0 | $0 | — | — | $5.5M | $2.5M |
| FY 2023 | $0 | $0 | — | — | $8.5M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MGYR // BETA —
LSBK // BETA —