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5 / 10Stock Comparison
GEVO vs BYFC vs CARV vs VERO vs MGYR
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
Banks - Regional
Medical - Devices
Banks - Regional
GEVO vs BYFC vs CARV vs VERO vs MGYR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||
|---|---|---|---|---|---|
| Industry | Chemicals - Specialty | Banks - Regional | Banks - Regional | Medical - Devices | Banks - Regional |
| Market Cap | $493M | $92M | $9M | $499K | $115M |
| Revenue (TTM) | $174M | $63M | $37M | $59M | $58M |
| Net Income (TTM) | $-11M | $-25M | $-13M | $-55M | $11M |
| Gross Margin | 23.4% | 51.9% | 56.3% | 64.4% | 60.3% |
| Operating Margin | -4.6% | -38.8% | -36.8% | -59.0% | 23.6% |
| Forward P/E | — | — | — | — | 11.3x |
| Total Debt | $168M | $153M | $29M | $43M | $49M |
| Cash & Equiv. | $1M | $11M | $50M | $4M | $7M |
GEVO vs BYFC vs CARV vs VERO vs MGYR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Gevo, Inc. (GEVO) | 100 | 157.4 | +57.4% |
| Broadway Financial … (BYFC) | 100 | 85.4 | -14.6% |
| Carver Bancorp, Inc. (CARV) | 100 | 93.8 | -6.2% |
| Venus Concept Inc. (VERO) | 100 | 0.1 | -99.9% |
| Magyar Bancorp, Inc. (MGYR) | 100 | 242.5 | +142.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: GEVO vs BYFC vs CARV vs VERO vs MGYR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
GEVO has the current edge in this matchup, primarily because of its strength in growth exposure.
- Rev growth 8.5%, EPS growth 58.8%, 3Y rev CAGR 415.1%
- 8.5% revenue growth vs VERO's -15.1%
- +88.0% vs VERO's -88.5%
BYFC is the #2 pick in this set and the best alternative if income & stability and defensive is your priority.
- Dividend streak 2 yrs, beta 0.02, yield 3.5%
- Beta 0.02, yield 3.5%, current ratio 0.03x
- Beta 0.02 vs GEVO's 1.64
- 3.5% yield, 2-year raise streak, vs MGYR's 1.7%, (3 stocks pay no dividend)
CARV is the clearest fit if your priority is value.
- Better valuation composite
Among these 5 stocks, VERO doesn't own a clear edge in any measured category.
MGYR ranks third and is worth considering specifically for long-term compounding and sleep-well-at-night.
- 125.8% 10Y total return vs BYFC's -37.6%
- Lower volatility, beta 0.28, Low D/E 41.3%, current ratio 13.39x
- NIM 3.2% vs BYFC's 2.5%
- 16.7% margin vs VERO's -92.8%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 8.5% revenue growth vs VERO's -15.1% | |
| Value | Better valuation composite | |
| Quality / Margins | 16.7% margin vs VERO's -92.8% | |
| Stability / Safety | Beta 0.02 vs GEVO's 1.64 | |
| Dividends | 3.5% yield, 2-year raise streak, vs MGYR's 1.7%, (3 stocks pay no dividend) | |
| Momentum (1Y) | +88.0% vs VERO's -88.5% | |
| Efficiency (ROA) | 1.1% ROA vs VERO's -88.6%, ROIC 6.7% vs -39.8% |
GEVO vs BYFC vs CARV vs VERO vs MGYR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Segment breakdown not available.
GEVO vs BYFC vs CARV vs VERO vs MGYR — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
MGYR leads in 3 of 6 categories
BYFC leads 2 • VERO leads 1 • GEVO leads 0 • CARV leads 0
Explore the data ↓Income & Cash Flow (Last 12 Months)
MGYR leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
GEVO is the larger business by revenue, generating $174M annually — 4.7x CARV's $37M. MGYR is the more profitable business, keeping 16.7% of every revenue dollar as net income compared to VERO's -92.8%. On growth, GEVO holds the edge at +47.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $174M | $63M | $37M | $59M | $58M |
| EBITDAEarnings before interest/tax | $18M | -$24M | -$10M | -$31M | $16M |
| Net IncomeAfter-tax profit | -$11M | -$25M | -$13M | -$55M | $11M |
| Free Cash FlowCash after capex | -$35M | -$13,000 | -$9M | -$21M | $11M |
| Gross MarginGross profit ÷ Revenue | +23.4% | +51.9% | +56.3% | +64.4% | +60.3% |
| Operating MarginEBIT ÷ Revenue | -4.6% | -38.8% | -36.8% | -59.0% | +23.6% |
| Net MarginNet income ÷ Revenue | -6.6% | -39.3% | -36.8% | -92.8% | +16.7% |
| FCF MarginFCF ÷ Revenue | -19.9% | -0.0% | -34.6% | -35.2% | +16.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +47.5% | — | — | -8.2% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +3.8% | -46.8% | -12.2% | -8.5% | +51.5% |
Valuation Metrics
VERO leads this category, winning 2 of 4 comparable metrics.
Valuation Metrics
On an enterprise value basis, MGYR's 10.6x EV/EBITDA is more attractive than GEVO's 102.1x.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $493M | $92M | $9M | $498,989 | $115M |
| Enterprise ValueMkt cap + debt − cash | $659M | $234M | -$12M | $39M | $156M |
| Trailing P/EPrice ÷ TTM EPS | -14.50x | -3.05x | -0.63x | -0.00x | 11.33x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — | — | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — | 0.35x |
| EV / EBITDAEnterprise value multiple | 102.12x | — | — | — | 10.61x |
| Price / SalesMarket cap ÷ Revenue | 3.07x | 1.45x | 0.24x | 0.01x | 1.96x |
| Price / BookPrice ÷ Book value/share | 1.01x | 0.32x | 0.29x | 0.07x | 0.93x |
| Price / FCFMarket cap ÷ FCF | — | — | — | — | 11.67x |
Profitability & Efficiency
MGYR leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
MGYR delivers a 9.2% return on equity — every $100 of shareholder capital generates $9 in annual profit, vs $-17 for VERO. GEVO carries lower financial leverage with a 0.36x debt-to-equity ratio, signaling a more conservative balance sheet compared to VERO's 15.16x. On the Piotroski fundamental quality scale (0–9), MGYR scores 7/9 vs CARV's 2/9, reflecting strong financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | -2.4% | -9.1% | -48.4% | -17.4% | +9.2% |
| ROA (TTM)Return on assets | -1.7% | -1.9% | -1.9% | -88.6% | +1.1% |
| ROICReturn on invested capital | -2.8% | -3.7% | -13.0% | -39.8% | +6.7% |
| ROCEReturn on capital employed | -3.1% | -5.6% | -15.4% | -54.2% | +2.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 | 2 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.36x | 0.58x | 0.98x | 15.16x | 0.41x |
| Net DebtTotal debt minus cash | $166M | $142M | -$21M | $39M | $42M |
| Cash & Equiv.Liquid assets | $1M | $11M | $50M | $4M | $7M |
| Total DebtShort + long-term debt | $168M | $153M | $29M | $43M | $49M |
| Interest CoverageEBIT ÷ Interest expense | -0.04x | -0.87x | -0.71x | -9.69x | 0.66x |
Total Returns (Dividends Reinvested)
MGYR leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MGYR five years ago would be worth $17,310 today (with dividends reinvested), compared to $9 for VERO. Over the past 12 months, GEVO leads with a +88.0% total return vs VERO's -88.5%. The 3-year compound annual growth rate (CAGR) favors MGYR at 22.9% vs VERO's -79.4% — a key indicator of consistent wealth creation.
| Metric | |||||
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | -1.5% | +29.3% | +19.3% | -82.3% | +1.9% |
| 1-Year ReturnPast 12 months | +88.0% | +52.8% | +18.4% | -88.5% | +25.7% |
| 3-Year ReturnCumulative with dividends | +65.0% | +30.9% | -61.3% | -99.1% | +85.6% |
| 5-Year ReturnCumulative with dividends | -65.2% | -33.2% | -79.3% | -99.9% | +73.1% |
| 10-Year ReturnCumulative with dividends | -98.6% | -37.6% | -53.6% | -100.0% | +125.8% |
| CAGR (3Y)Annualised 3-year return | +18.2% | +9.4% | -27.2% | -79.4% | +22.9% |
Risk & Volatility
BYFC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
BYFC is the less volatile stock with a 0.02 beta — it tends to amplify market swings less than GEVO's 1.64 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BYFC currently trades 99.8% from its 52-week high vs VERO's 2.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||||
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.64x | 0.02x | 0.08x | 1.43x | 0.28x |
| 52-Week HighHighest price in past year | $2.97 | $9.86 | $3.85 | $12.93 | $20.00 |
| 52-Week LowLowest price in past year | $1.01 | $5.60 | $1.07 | $0.26 | $14.35 |
| % of 52W HighCurrent price vs 52-week peak | +68.4% | +99.8% | +43.4% | +2.1% | +88.4% |
| RSI (14)Momentum oscillator 0–100 | 53.5 | 75.4 | 50.2 | 42.9 | 47.4 |
| Avg Volume (50D)Average daily shares traded | 4.5M | 4K | 4K | 9K | 6K |
Analyst Outlook
BYFC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, BYFC offers the higher dividend yield at 3.54% vs MGYR's 1.65%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | — | — | — | — |
| Price TargetConsensus 12-month target | $3.50 | — | — | — | — |
| # AnalystsCovering analysts | 14 | — | — | — | — |
| Dividend YieldAnnual dividend ÷ price | — | +3.5% | — | — | +1.7% |
| Dividend StreakConsecutive years of raises | — | 2 | 0 | — | 2 |
| Dividend / ShareAnnual DPS | — | $0.35 | — | — | $0.29 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | 0.0% | 0.0% | +0.7% |
MGYR leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). BYFC leads in 2 (Risk & Volatility, Analyst Outlook).
GEVO vs BYFC vs CARV vs VERO vs MGYR: Key Questions Answered
8 questions · data-driven answers · updated daily
01Is GEVO or BYFC or CARV or VERO or MGYR a better buy right now?
For growth investors, Gevo, Inc.
(GEVO) is the stronger pick with 849. 3% revenue growth year-over-year, versus -15. 1% for Venus Concept Inc. (VERO). Magyar Bancorp, Inc. (MGYR) offers the better valuation at 11. 3x trailing P/E, making it the more compelling value choice. Analysts rate Gevo, Inc. (GEVO) a "Buy" — based on 14 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.
02Which is the better long-term investment — GEVO or BYFC or CARV or VERO or MGYR?
Over the past 5 years, Magyar Bancorp, Inc.
(MGYR) delivered a total return of +73. 1%, compared to -99. 9% for Venus Concept Inc. (VERO). Over 10 years, the gap is even starker: MGYR returned +125. 8% versus VERO's -100. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — GEVO or BYFC or CARV or VERO or MGYR?
By beta (market sensitivity over 5 years), Broadway Financial Corporation (BYFC) is the lower-risk stock at 0.
02β versus Gevo, Inc. 's 1. 64β — meaning GEVO is approximately 6504% more volatile than BYFC relative to the S&P 500. On balance sheet safety, Gevo, Inc. (GEVO) carries a lower debt/equity ratio of 36% versus 15% for Venus Concept Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — GEVO or BYFC or CARV or VERO or MGYR?
By revenue growth (latest reported year), Gevo, Inc.
(GEVO) is pulling ahead at 849. 3% versus -15. 1% for Venus Concept Inc. (VERO). On earnings-per-share growth, the picture is similar: Gevo, Inc. grew EPS 58. 8% year-over-year, compared to -81. 8% for Broadway Financial Corporation. Over a 3-year CAGR, GEVO leads at 415. 1% 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.
05Which has better profit margins — GEVO or BYFC or CARV or VERO or MGYR?
Magyar Bancorp, Inc.
(MGYR) is the more profitable company, earning 16. 7% net margin versus -72. 5% for Venus Concept Inc. — meaning it keeps 16. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MGYR leads at 23. 6% versus -41. 9% for VERO. At the gross margin level — before operating expenses — VERO leads at 68. 3%, 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.
06Which pays a better dividend — GEVO or BYFC or CARV or VERO or MGYR?
In this comparison, BYFC (3.
5% yield), MGYR (1. 7% yield) pay a dividend. GEVO, CARV, VERO do not pay a meaningful dividend and should not be held primarily for income.
07Is GEVO or BYFC or CARV or VERO or MGYR better for a retirement portfolio?
For long-horizon retirement investors, Broadway Financial Corporation (BYFC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
02), 3. 5% yield). Gevo, Inc. (GEVO) carries a higher beta of 1. 64 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (BYFC: -37. 6%, GEVO: -98. 6%), 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.
08What are the main differences between GEVO and BYFC and CARV and VERO and MGYR?
These companies operate in different sectors (GEVO (Basic Materials) and BYFC (Financial Services) and CARV (Financial Services) and VERO (Healthcare) and MGYR (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: GEVO is a small-cap high-growth stock; BYFC is a small-cap income-oriented stock; CARV is a small-cap quality compounder stock; VERO is a small-cap quality compounder stock; MGYR is a small-cap deep-value stock. BYFC, MGYR pay a dividend while GEVO, CARV, VERO do not, making them suitable for different income and tax situations. 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.
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