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MAGYAR BANCORP INC (MGYR) Stock Fundamental Analysis

USA - NASDAQ:MGYR - US55977T2087 - Common Stock

16.82 USD
+0.35 (+2.13%)
Last: 11/7/2025, 8:00:01 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to MGYR. MGYR was compared to 390 industry peers in the Banks industry. MGYR has only an average score on both its financial health and profitability. 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

MGYR had positive earnings in the past year.
In the past year MGYR had a positive cash flow from operations.
MGYR had positive earnings in each of the past 5 years.
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

The Return On Assets of MGYR (0.99%) is better than 63.08% of its industry peers.
The Return On Equity of MGYR (8.41%) 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

MGYR has a Profit Margin of 27.66%. This is in the better half of the industry: MGYR outperforms 72.31% of its industry peers.
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) 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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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.
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
WACC17.3%
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 34.56% over the past year.
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%.
The Revenue has been growing slightly by 6.99% on average over the past years.
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

MGYR is valuated reasonably with a Price/Earnings ratio of 10.71.
66.15% of the companies in the same industry are more expensive than MGYR, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.83, MGYR is valued rather cheaply.
Industry RankSector Rank
PE 10.71
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

The rest of the industry has a similar Price/Free Cash Flow ratio as MGYR.
Industry RankSector Rank
P/FCF 14.55
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)0.56
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 1.64%.
MGYR's Dividend Yield is slightly below the industry average, which is at 3.42.
Compared to the average S&P500 Dividend Yield of 2.39, MGYR is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.64%

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 0.25

5.3 Sustainability

MGYR pays out 16.77% of its income as dividend. This is a 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 (11/7/2025, 8:00:01 PM)

16.82

+0.35 (+2.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-21 2026-01-21
Inst Owners31.43%
Inst Owner Change0%
Ins Owners6.2%
Ins Owner Change0.12%
Market Cap108.49M
Revenue(TTM)35.35M
Net Income(TTM)9.78M
Analysts0
Price TargetN/A
Short Float %0.2%
Short Ratio2.76
Dividend
Industry RankSector Rank
Dividend Yield 1.64%
Yearly Dividend0.25
Dividend Growth(5Y)N/A
DP16.77%
Div Incr Years1
Div Non Decr Years3
Ex-Date11-13 2025-11-13 (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 10.71
Fwd PE N/A
P/S 3.07
P/FCF 14.55
P/OCF 12.92
P/B 0.93
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)1.57
EY9.33%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.16
FCFY6.87%
OCF(TTM)1.3
OCFY7.74%
SpS5.48
BVpS18.03
TBVpS18.03
PEG (NY)N/A
PEG (5Y)0.56
Graham Number25.24
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
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 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
WACC17.3%
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%

MAGYAR BANCORP INC / MGYR FAQ

Can you provide the ChartMill fundamental rating for MAGYAR BANCORP INC?

ChartMill assigns a fundamental rating of 3 / 10 to MGYR.


What is the valuation status of MAGYAR BANCORP INC (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.


Is the dividend of MAGYAR BANCORP INC sustainable?

The dividend rating of MAGYAR BANCORP INC (MGYR) is 3 / 10 and the dividend payout ratio is 16.77%.