MAGYAR BANCORP INC (MGYR) Stock Fundamental Analysis

NASDAQ:MGYR • US55977T2087

17.63 USD
-0.82 (-4.44%)
Last: Feb 25, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

MGYR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. MGYR has only an average score on both its financial health and profitability. While showing a medium growth rate, MGYR is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year MGYR was profitable.
  • MGYR had a positive operating cash flow in the past year.
  • Each year in the past 5 years MGYR has been profitable.
  • In the past 5 years MGYR always reported a positive cash flow from operatings.
MGYR Yearly Net Income VS EBIT VS OCF VS FCFMGYR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

1.2 Ratios

  • MGYR has a Return On Assets of 0.98%. This is comparable to the rest of the industry: MGYR outperforms 56.99% of its industry peers.
  • The Return On Equity of MGYR (8.21%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.98%
ROE 8.21%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.89%
ROE(3y)7.54%
ROE(5y)7.38%
ROIC(3y)N/A
ROIC(5y)N/A
MGYR Yearly ROA, ROE, ROICMGYR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • MGYR has a Profit Margin of 27.41%. This is in the better half of the industry: MGYR outperforms 66.75% of its industry peers.
  • MGYR's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for MGYR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.41%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.96%
PM growth 5Y23.69%
GM growth 3YN/A
GM growth 5YN/A
MGYR Yearly Profit, Operating, Gross MarginsMGYR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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4

2. Health

2.1 Basic Checks

  • MGYR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for MGYR has been reduced compared to 1 year ago.
  • MGYR has more shares outstanding than it did 5 years ago.
  • There is no outstanding debt for MGYR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MGYR Yearly Shares OutstandingMGYR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
MGYR Yearly Total Debt VS Total AssetsMGYR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.2 Solvency

  • There is no outstanding debt for MGYR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC16.88%
MGYR Yearly LT Debt VS Equity VS FCFMGYR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MGYR Yearly Current Assets VS Current LiabilitesMGYR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • MGYR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.73%, which is quite impressive.
  • MGYR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.71% yearly.
  • Looking at the last year, MGYR shows a quite strong growth in Revenue. The Revenue has grown by 14.72% in the last year.
  • MGYR shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.01% yearly.
EPS 1Y (TTM)32.73%
EPS 3Y10.16%
EPS 5Y32.71%
EPS Q2Q%49.43%
Revenue 1Y (TTM)14.72%
Revenue growth 3Y6.19%
Revenue growth 5Y9.01%
Sales Q2Q%14.93%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
MGYR Yearly Revenue VS EstimatesMGYR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.19, which indicates a very decent valuation of MGYR.
  • Based on the Price/Earnings ratio, MGYR is valued cheaper than 81.00% of the companies in the same industry.
  • MGYR is valuated cheaply when we compare the Price/Earnings ratio to 27.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.19
Fwd PE N/A
MGYR Price Earnings VS Forward Price EarningsMGYR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MGYR is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.75
EV/EBITDA N/A
MGYR Per share dataMGYR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.31
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • MGYR has a Yearly Dividend Yield of 1.73%.
  • MGYR's Dividend Yield is slightly below the industry average, which is at 2.74.
  • Compared to an average S&P500 Dividend Yield of 1.80, MGYR has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.73%

5.2 History

  • MGYR has been paying a dividend for over 5 years, so it has already some track record.
  • MGYR has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years3
MGYR Yearly Dividends per shareMGYR Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • 18.68% of the earnings are spent on dividend by MGYR. This is a low number and sustainable payout ratio.
DP18.68%
EPS Next 2YN/A
EPS Next 3YN/A
MGYR Yearly Income VS Free CF VS DividendMGYR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
MGYR Dividend Payout.MGYR Dividend Payout, showing the Payout Ratio.MGYR Dividend Payout.PayoutRetained Earnings

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MAGYAR BANCORP INC

NASDAQ:MGYR (2/25/2026, 8:00:01 PM)

17.63

-0.82 (-4.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-28
Inst Owners31.48%
Inst Owner Change0.37%
Ins Owners6.21%
Ins Owner Change0.58%
Market Cap115.30M
Revenue(TTM)36.86M
Net Income(TTM)9.76M
Analysts0
Price TargetN/A
Short Float %0.23%
Short Ratio2.82
Dividend
Industry RankSector Rank
Dividend Yield 1.73%
Yearly Dividend0.28
Dividend Growth(5Y)N/A
DP18.68%
Div Incr Years1
Div Non Decr Years3
Ex-Date02-12
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.19
Fwd PE N/A
P/S 3.24
P/FCF 11.75
P/OCF 11.1
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)1.73
EY9.81%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.5
FCFY8.51%
OCF(TTM)1.59
OCFY9.01%
SpS5.44
BVpS18.17
TBVpS18.17
PEG (NY)N/A
PEG (5Y)0.31
Graham Number26.6
Profitability
Industry RankSector Rank
ROA 0.98%
ROE 8.21%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.41%
GM N/A
FCFM 27.56%
ROA(3y)0.88%
ROA(5y)0.89%
ROE(3y)7.54%
ROE(5y)7.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.96%
PM growth 5Y23.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 61.26%
Cap/Sales 1.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.88%
ROIC/WACCN/A
Cap/Depr(3y)63.09%
Cap/Depr(5y)57.14%
Cap/Sales(3y)1.73%
Cap/Sales(5y)1.59%
Profit Quality(3y)92.45%
Profit Quality(5y)111.66%
High Growth Momentum
Growth
EPS 1Y (TTM)32.73%
EPS 3Y10.16%
EPS 5Y32.71%
EPS Q2Q%49.43%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.72%
Revenue growth 3Y6.19%
Revenue growth 5Y9.01%
Sales Q2Q%14.93%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y78.26%
FCF growth 3Y-3.17%
FCF growth 5Y71.58%
OCF growth 1Y64.43%
OCF growth 3Y-2.47%
OCF growth 5Y66.58%

MAGYAR BANCORP INC / MGYR FAQ

Can you provide the ChartMill fundamental rating for MAGYAR BANCORP INC?

ChartMill assigns a fundamental rating of 4 / 10 to MGYR.


What is the valuation status for MGYR stock?

ChartMill assigns a valuation rating of 2 / 10 to MAGYAR BANCORP INC (MGYR). This can be considered as Overvalued.


How profitable is MAGYAR BANCORP INC (MGYR) stock?

MAGYAR BANCORP INC (MGYR) has a profitability rating of 4 / 10.


What are the PE and PB ratios of MAGYAR BANCORP INC (MGYR) stock?

The Price/Earnings (PE) ratio for MAGYAR BANCORP INC (MGYR) is 10.19 and the Price/Book (PB) ratio is 0.97.


Can you provide the financial health for MGYR stock?

The financial health rating of MAGYAR BANCORP INC (MGYR) is 4 / 10.