17.62 USD
+0.04 (+0.2%)
Last: Jan 30, 2026, 08:05 PM
We assign a fundamental rating of 4 out of 10 to MGYR. MGYR was compared to 383 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 is quite expensive at the moment. It does show a decent growth rate.
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.
- Each year in the past 5 years MGYR had a positive operating cash flow.
1.2 Ratios
- MGYR has a Return On Assets (0.98%) which is in line with its industry peers.
- Looking at the Return On Equity, with a value of 8.21%, MGYR is in line with its industry, outperforming 43.60% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- MGYR has a better Profit Margin (27.41%) than 67.62% of its industry peers.
- In the last couple of years the Profit Margin of MGYR has grown nicely.
- MGYR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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.
- MGYR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 27.47% over the past year.
- MGYR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.71% yearly.
- The Revenue has grown by 12.73% in the past year. This is quite good.
- The Revenue has been growing by 9.01% on average over the past years. This is quite good.
EPS 1Y (TTM)27.47%
EPS 3Y10.16%
EPS 5Y32.71%
EPS Q2Q%-0.27%
Revenue 1Y (TTM)12.73%
Revenue growth 3Y6.19%
Revenue growth 5Y9.01%
Sales Q2Q%2.82%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.29 indicates a reasonable valuation of MGYR.
- Based on the Price/Earnings ratio, MGYR is valued a bit cheaper than 66.06% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, MGYR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.29 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- MGYR's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.58 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.35
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.59%, MGYR has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.67, MGYR is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.83, MGYR has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.59% |
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
5.3 Sustainability
- MGYR pays out 18.68% of its income as dividend. This is a sustainable payout ratio.
DP18.68%
EPS Next 2YN/A
EPS Next 3YN/A
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 11.29 and the Price/Book (PB) ratio is 0.96.
Can you provide the financial health for MGYR stock?
The financial health rating of MAGYAR BANCORP INC (MGYR) is 4 / 10.