WallStSmart

Magyar Bancorp Inc (MGYR)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 92546% more annual revenue ($35.53B vs $38.35M). MGYR leads profitability with a 30.7% profit margin vs 9.5%. MGYR trades at a lower P/E of 10.3x. SLF earns a higher WallStSmart Score of 65/100 (B-).

MGYR

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 7.5Value: 6.7Quality: 4.5
Piotroski: 4/9Altman Z: -0.67

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MGYR5 strengths · Avg: 9.6/10
P/E RatioValuation
10.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.7%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
45.3%10/10

Strong operational efficiency at 45.3%

EPS GrowthGrowth
23.3%8/10

Earnings expanding 23.3% YoY

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

MGYR2 concerns · Avg: 2.5/10
Market CapQuality
$124.33M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.672/10

Distress zone — elevated risk

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull 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 : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : MGYR

The primary concerns for MGYR are Market Cap, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

MGYR profiles as a mature stock while SLF is a value play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.80 — expect wider price swings.

MGYR is growing revenue faster at 13.5% — sustainability is the question.

SLF generates stronger free cash flow (90M), providing more financial flexibility.

Bottom Line

SLF scores higher overall (65/100 vs 64/100). 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.

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Sun Life Financial Inc.

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.

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