BY vs MGYR vs HONE vs FIS vs JKHY

For growth investors, Magyar Bancorp, Inc.

(MGYR) is the stronger pick with 12. 1% revenue growth year-over-year, versus 1. 3% for Byline Bancorp, Inc. (BY). Magyar Bancorp, Inc. (MGYR) offers the better valuation at 11. 3x trailing P/E, making it the more compelling value choice. Analysts rate Fidelity National Information Services, Inc. (FIS) a "Buy" — based on 37 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Magyar Bancorp, Inc.

(MGYR) is the cheapest at 11. 3x versus Fidelity National Information Services, Inc. at 63. 0x. On forward P/E, Fidelity National Information Services, Inc. is actually cheaper at 7. 5x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Fidelity National Information Services, Inc. wins at 0. 31x versus Jack Henry & Associates, Inc. 's 2. 16x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Magyar Bancorp, Inc.

(MGYR) delivered a total return of +73. 1%, compared to -63. 2% for Fidelity National Information Services, Inc. (FIS). Over 10 years, the gap is even starker: MGYR returned +125. 8% versus FIS's -13. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Magyar Bancorp, Inc.

(MGYR) is the lower-risk stock at 0. 28β versus HarborOne Bancorp, Inc. 's 1. 05β — meaning HONE is approximately 273% more volatile than MGYR relative to the S&P 500. On balance sheet safety, Fidelity National Information Services, Inc. (FIS) carries a lower debt/equity ratio of 29% versus 90% for HarborOne Bancorp, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Magyar Bancorp, Inc.

(MGYR) is pulling ahead at 12. 1% versus 1. 3% for Byline Bancorp, Inc. (BY). On earnings-per-share growth, the picture is similar: HarborOne Bancorp, Inc. grew EPS 78. 4% year-over-year, compared to -47. 2% for Fidelity National Information Services, Inc.. Over a 3-year CAGR, JKHY leads at 6. 9% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Byline Bancorp, Inc.

(BY) is the more profitable company, earning 20. 7% net margin versus 3. 6% for Fidelity National Information Services, Inc. — meaning it keeps 20. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BY leads at 29. 1% versus 10. 9% for HONE. At the gross margin level — before operating expenses — BY leads at 66. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Fidelity National Information Services, Inc. (FIS) is the more undervalued stock at a PEG of 0. 31x versus Jack Henry & Associates, Inc. 's 2. 16x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Fidelity National Information Services, Inc. (FIS) trades at 7. 5x forward P/E versus 21. 8x for Jack Henry & Associates, Inc. — 14. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FIS: 42. 6% to $67. 38.

All stocks in this comparison pay dividends.

Fidelity National Information Services, Inc. (FIS) offers the highest yield at 3. 5%, versus 1. 2% for Byline Bancorp, Inc. (BY).

For long-horizon retirement investors, Magyar Bancorp, Inc.

(MGYR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 28), 1. 7% yield, +125. 8% 10Y return). Both have compounded well over 10 years (MGYR: +125. 8%, HONE: +88. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (BY (Financial Services) and MGYR (Financial Services) and HONE (Financial Services) and FIS (Technology) and JKHY (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: BY is a small-cap deep-value stock; MGYR is a small-cap deep-value stock; HONE is a small-cap quality compounder stock; FIS is a mid-cap income-oriented stock; JKHY is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.