MAGYAR BANCORP INC (MGYR) Fundamental Analysis & Valuation

NASDAQ:MGYR • US55977T2087

Current stock price

16.1 USD
-1.1 (-6.4%)
At close:
16.1 USD
0 (0%)
After Hours:

This MGYR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. MGYR Profitability Analysis

1.1 Basic Checks

  • In the past year MGYR was profitable.
  • MGYR had a positive operating cash flow in the past year.
  • In the past 5 years MGYR has always 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 better Return On Assets (1.03%) than 60.89% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.88%, MGYR is in line with its industry, outperforming 48.82% of the companies in the same industry.
Industry RankSector Rank
ROA 1.03%
ROE 8.88%
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's Profit Margin of 29.33% is fine compared to the rest of the industry. MGYR outperforms 73.75% 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) 29.33%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. MGYR Health Analysis

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
  • 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
WACC17.76%
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

More info and screens

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

4

3. MGYR Growth Analysis

3.1 Past

  • MGYR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.71%, 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.
  • The Revenue has been growing by 9.01% on average over the past years. This is quite good.
EPS 1Y (TTM)32.71%
EPS 3Y10.16%
EPS 5Y32.71%
EPS Q2Q%49.34%
Revenue 1Y (TTM)14.72%
Revenue growth 3Y6.19%
Revenue growth 5Y9.01%
Sales Q2Q%14.94%

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

More info and screens

Find the best growth stocksShow best growing peers

3

4. MGYR Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.31 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 75.85% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, MGYR is valued rather cheaply.
Industry RankSector Rank
PE 9.31
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

  • 64.30% of the companies in the same industry are more expensive than MGYR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.53
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)0.28
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

3

5. MGYR Dividend Analysis

5.1 Amount

  • MGYR has a Yearly Dividend Yield of 1.85%.
  • MGYR's Dividend Yield is slightly below the industry average, which is at 2.80.
  • MGYR's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.85%

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

  • MGYR pays out 16.24% of its income as dividend. This is a sustainable payout ratio.
DP16.24%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

MGYR Fundamentals: All Metrics, Ratios and Statistics

MAGYAR BANCORP INC

NASDAQ:MGYR (3/20/2026, 8:09:08 PM)

After market: 16.1 0 (0%)

16.1

-1.1 (-6.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-28
Inst Owners31.58%
Inst Owner Change0.37%
Ins Owners9.42%
Ins Owner Change0.79%
Market Cap104.33M
Revenue(TTM)36.86M
Net Income(TTM)10.81M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio0.98
Dividend
Industry RankSector Rank
Dividend Yield 1.85%
Yearly Dividend0.28
Dividend Growth(5Y)N/A
DP16.24%
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 9.31
Fwd PE N/A
P/S 2.83
P/FCF 9.53
P/OCF 9.35
P/B 0.86
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)1.73
EY10.75%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.69
FCFY10.5%
OCF(TTM)1.72
OCFY10.69%
SpS5.69
BVpS18.79
TBVpS18.79
PEG (NY)N/A
PEG (5Y)0.28
Graham Number27.04
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 8.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.33%
GM N/A
FCFM 29.71%
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 22.36%
Cap/Sales 0.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 101.3%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC17.76%
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)32.71%
EPS 3Y10.16%
EPS 5Y32.71%
EPS Q2Q%49.34%
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%14.94%
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 1Y10.18%
FCF growth 3Y-3.17%
FCF growth 5Y71.58%
OCF growth 1Y7.6%
OCF growth 3Y-2.47%
OCF growth 5Y66.58%

MAGYAR BANCORP INC / MGYR Fundamental Analysis 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 3 / 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 9.31 and the Price/Book (PB) ratio is 0.86.


Can you provide the financial health for MGYR stock?

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