There are two fairly notable differences besides the fact that they operate in two distinctly different markets with quite different risks. Those two are : MYS is about 5% more profitable than JDO and MYS pays a dividend. It is fair to say that JDO is still scaling up at this point and does not appear to be suffering the same problems as the big 4 and regional banks. They are claiming that they can increase their NIM while the big 4 and the regional banks are not guiding that they can increase NIM. JDO appear to be filling a specialist niche area in banking and with no real competition in that niche market they can get away with higher margins. The big 4 and regional banks are not keen lenders in the SME segment - not saying that they do not lend in it at all - just not keen on it. IMO JDO will see a bit of growth before settling down and working out whether they want to pay a divvie.
MYS Price at posting:
$3.42 Sentiment: Buy Disclosure: Held
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