MAGYAR BANCORP INC (MGYR)

US55977T2087 - Common Stock

11.12  -0.01 (-0.04%)

Fundamental Rating

3

Taking everything into account, MGYR scores 3 out of 10 in our fundamental rating. MGYR was compared to 415 industry peers in the Banks industry. The financial health of MGYR is average, but there are quite some concerns on its profitability. MGYR does not seem to be growing, but still is valued expensively.



3

1. Profitability

1.1 Basic Checks

MGYR had positive earnings in the past year.
In the past year MGYR had a positive cash flow from operations.
In the past 5 years MGYR has always been profitable.
In the past 5 years MGYR always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.82%, MGYR is in line with its industry, outperforming 42.89% of the companies in the same industry.
With a Return On Equity value of 7.09%, MGYR is not doing good in the industry: 72.05% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.82%
ROE 7.09%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.68%
ROE(3y)7.22%
ROE(5y)6.2%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

MGYR's Profit Margin of 24.55% is in line compared to the rest of the industry. MGYR outperforms 47.71% of its industry peers.
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) 24.55%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y38.85%
PM growth 5Y22.19%
GM growth 3YN/A
GM growth 5YN/A

4

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.
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.

2.2 Solvency

MGYR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC14.65%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

2

3. Growth

3.1 Past

MGYR shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.74%.
Measured over the past years, MGYR shows a very strong growth in Earnings Per Share. The EPS has been growing by 27.94% on average per year.
Looking at the last year, MGYR shows a small growth in Revenue. The Revenue has grown by 2.13% in the last year.
Measured over the past years, MGYR shows a small growth in Revenue. The Revenue has been growing by 6.87% on average per year.
EPS 1Y (TTM)-1.74%
EPS 3Y46.71%
EPS 5Y27.94%
EPS growth Q2Q-7.63%
Revenue 1Y (TTM)2.13%
Revenue growth 3Y9.56%
Revenue growth 5Y6.87%
Revenue growth Q2Q4.85%

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.

3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.42, the valuation of MGYR can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as MGYR.
MGYR is valuated cheaply when we compare the Price/Earnings ratio to 26.48, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.42
Fwd PE N/A

4.2 Price Multiples

MGYR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MGYR is cheaper than 67.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.44
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.34
EPS Next 2YN/A
EPS Next 3YN/A

2

5. Dividend

5.1 Amount

MGYR has a Yearly Dividend Yield of 1.36%.
With a Dividend Yield of 1.36, MGYR pays less dividend than the industry average, which is at 3.70. 81.45% of the companies listed in the same industry pay a better dividend than MGYR!
Compared to an average S&P500 Dividend Yield of 2.34, MGYR's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.36%

5.2 History

MGYR has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2

5.3 Sustainability

17.15% of the earnings are spent on dividend by MGYR. This is a low number and sustainable payout ratio.
DP17.15%
EPS Next 2YN/A
EPS Next 3YN/A

MAGYAR BANCORP INC

NASDAQ:MGYR (3/28/2024, 8:24:12 PM)

11.12

-0.01 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap73.95M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 1.36%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 9.42
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.34
Profitability
Industry RankSector Rank
ROA 0.82%
ROE 7.09%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 24.55%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-1.74%
EPS 3Y46.71%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)2.13%
Revenue growth 3Y9.56%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y