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MAGYAR BANCORP INC (MGYR) Stock Fundamental Analysis

USA - NASDAQ:MGYR - US55977T2087 - Common Stock

17.3183 USD
+0.05 (+0.28%)
Last: 10/1/2025, 9:12:08 PM
Fundamental Rating

3

Taking everything into account, MGYR scores 3 out of 10 in our fundamental rating. MGYR was compared to 392 industry peers in the Banks industry. Both the profitability and the financial health of MGYR get a neutral evaluation. Nothing too spectacular is happening here. MGYR does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

MGYR had positive earnings in the past year.
MGYR had a positive operating cash flow in the past year.
In the past 5 years MGYR has always been profitable.
Each year in the past 5 years MGYR had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

1.2 Ratios

With a decent Return On Assets value of 0.99%, MGYR is doing good in the industry, outperforming 62.50% of the companies in the same industry.
MGYR has a Return On Equity (8.41%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.99%
ROE 8.41%
ROIC N/A
ROA(3y)0.89%
ROA(5y)0.75%
ROE(3y)7.48%
ROE(5y)6.51%
ROIC(3y)N/A
ROIC(5y)N/A
MGYR Yearly ROA, ROE, ROICMGYR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

With a decent Profit Margin value of 27.66%, MGYR is doing good in the industry, outperforming 72.19% of the companies in the same industry.
MGYR's Profit Margin has improved in the last couple of years.
MGYR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.66%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.3%
PM growth 5Y13.1%
GM growth 3YN/A
GM growth 5YN/A
MGYR Yearly Profit, Operating, Gross MarginsMGYR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2. Health

2.1 Basic Checks

MGYR does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MGYR has less shares outstanding
The number of shares outstanding for MGYR has been increased compared to 5 years ago.
MGYR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
MGYR Yearly Shares OutstandingMGYR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
MGYR Yearly Total Debt VS Total AssetsMGYR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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
WACC17.13%
MGYR Yearly LT Debt VS Equity VS FCFMGYR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M

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3. Growth

3.1 Past

MGYR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.56%, which is quite impressive.
MGYR shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.20% yearly.
MGYR shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.19%.
Measured over the past years, MGYR shows a small growth in Revenue. The Revenue has been growing by 6.99% on average per year.
EPS 1Y (TTM)34.56%
EPS 3Y6.71%
EPS 5Y19.2%
EPS Q2Q%48.48%
Revenue 1Y (TTM)16.19%
Revenue growth 3Y2.89%
Revenue growth 5Y6.99%
Sales Q2Q%22.54%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.03 indicates a reasonable valuation of MGYR.
Compared to the rest of the industry, the Price/Earnings ratio of MGYR indicates a somewhat cheap valuation: MGYR is cheaper than 67.09% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of MGYR to the average of the S&P500 Index (27.79), we can say MGYR is valued rather cheaply.
Industry RankSector Rank
PE 11.03
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

MGYR's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.98
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)0.57
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

MGYR has a Yearly Dividend Yield of 1.45%.
Compared to an average industry Dividend Yield of 3.52, MGYR is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, MGYR's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.45%

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 0.05 0.1 0.15 0.2

5.3 Sustainability

16.77% of the earnings are spent on dividend by MGYR. This is a low number and sustainable payout ratio.
DP16.77%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (10/1/2025, 9:12:08 PM)

17.3183

+0.05 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24
Earnings (Next)10-29 2025-10-29
Inst Owners31.43%
Inst Owner Change0.2%
Ins Owners6.2%
Ins Owner Change0.12%
Market Cap111.70M
Analysts0
Price TargetN/A
Short Float %0.27%
Short Ratio3.5
Dividend
Industry RankSector Rank
Dividend Yield 1.45%
Yearly Dividend0.25
Dividend Growth(5Y)N/A
DP16.77%
Div Incr Years1
Div Non Decr Years3
Ex-Date08-07 2025-08-07 (0.08)
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 11.03
Fwd PE N/A
P/S 3.16
P/FCF 14.98
P/OCF 13.3
P/B 0.96
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)1.57
EY9.07%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.16
FCFY6.68%
OCF(TTM)1.3
OCFY7.52%
SpS5.48
BVpS18.03
TBVpS18.03
PEG (NY)N/A
PEG (5Y)0.57
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 8.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.66%
GM N/A
FCFM 21.1%
ROA(3y)0.89%
ROA(5y)0.75%
ROE(3y)7.48%
ROE(5y)6.51%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.3%
PM growth 5Y13.1%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 100.32%
Cap/Sales 2.66%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 76.27%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.13%
ROIC/WACCN/A
Cap/Depr(3y)58.15%
Cap/Depr(5y)48.42%
Cap/Sales(3y)1.63%
Cap/Sales(5y)1.4%
Profit Quality(3y)104.43%
Profit Quality(5y)97.57%
High Growth Momentum
Growth
EPS 1Y (TTM)34.56%
EPS 3Y6.71%
EPS 5Y19.2%
EPS Q2Q%48.48%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.19%
Revenue growth 3Y2.89%
Revenue growth 5Y6.99%
Sales Q2Q%22.54%
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 1Y-15.15%
FCF growth 3Y-14.6%
FCF growth 5Y-0.83%
OCF growth 1Y-8.42%
OCF growth 3Y-11.96%
OCF growth 5Y1.76%