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MAGYAR BANCORP INC (MGYR) Stock Fundamental Analysis

NASDAQ:MGYR - Nasdaq - US55977T2087 - Common Stock - Currency: USD

17.25  +0.2 (+1.17%)

Fundamental Rating

3

MGYR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. MGYR has an average financial health and profitability rating. MGYR has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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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.
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

MGYR has a Return On Assets (0.88%) which is in line with its industry peers.
With a Return On Equity value of 7.87%, MGYR perfoms like the industry average, outperforming 47.58% of the companies in the same industry.
Industry RankSector Rank
ROA 0.88%
ROE 7.87%
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

Looking at the Profit Margin, with a value of 26.68%, MGYR is in the better half of the industry, outperforming 69.47% of the companies in the same industry.
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) 26.68%
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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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 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

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
WACC17.23%
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

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 34.88% over the past year.
Measured over the past years, MGYR shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.20% on average per year.
Looking at the last year, MGYR shows a quite strong growth in Revenue. The Revenue has grown by 16.19% in the last year.
The Revenue has been growing slightly by 6.99% on average over the past years.
EPS 1Y (TTM)34.88%
EPS 3Y6.71%
EPS 5Y19.2%
EPS Q2Q%49.87%
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

MGYR is valuated reasonably with a Price/Earnings ratio of 10.99.
Based on the Price/Earnings ratio, MGYR is valued a bit cheaper than 62.09% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, MGYR is valued rather cheaply.
Industry RankSector Rank
PE 10.99
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

Based on the Price/Free Cash Flow ratio, MGYR is valued a bit more expensive than the industry average as 64.38% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 16.43
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 1.47%.
MGYR's Dividend Yield is slightly below the industry average, which is at 3.54.
MGYR's Dividend Yield is slightly below the S&P500 average, which is at 2.40.
Industry RankSector Rank
Dividend Yield 1.47%

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

MGYR pays out 17.57% of its income as dividend. This is a sustainable payout ratio.
DP17.57%
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 (8/8/2025, 8:00:00 PM)

17.25

+0.2 (+1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24
Earnings (Next)10-29 2025-10-29
Inst Owners31.28%
Inst Owner Change-2.21%
Ins Owners6.18%
Ins Owner Change0.43%
Market Cap111.61M
Analysts0
Price TargetN/A
Short Float %0.24%
Short Ratio1.48
Dividend
Industry RankSector Rank
Dividend Yield 1.47%
Yearly Dividend0.25
Dividend Growth(5Y)N/A
DP17.57%
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 10.99
Fwd PE N/A
P/S 3.31
P/FCF 16.43
P/OCF 14.26
P/B 0.98
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)1.57
EY9.1%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.05
FCFY6.09%
OCF(TTM)1.21
OCFY7.01%
SpS5.21
BVpS17.66
TBVpS17.66
PEG (NY)N/A
PEG (5Y)0.57
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 7.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.68%
GM N/A
FCFM 20.14%
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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 111.76%
Cap/Sales 3.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 75.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC17.23%
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)34.88%
EPS 3Y6.71%
EPS 5Y19.2%
EPS Q2Q%49.87%
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-44.73%
FCF growth 3Y-14.6%
FCF growth 5Y-0.83%
OCF growth 1Y-38.16%
OCF growth 3Y-11.96%
OCF growth 5Y1.76%