A Business at a Glance
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Magyar Bancorp, Inc.
MGYR
$114M
Mkt Cap
$18.29
+4.66%
Magyar Bancorp, Inc. (MGYR) has a current P/E ratio of 10.6, compared to its historical median P/E of 15.4. The stock is currently considered Fair based on its historical valuation range.
Magyar Bancorp, Inc. (MGYR) has a 5-year average return on invested capital (ROIC) of 6.9%. This is below average and may indicate limited pricing power.
Magyar Bancorp, Inc. (MGYR) has a market capitalization of $119M. It is classified as a small-cap stock.
Yes, Magyar Bancorp, Inc. (MGYR) pays a dividend with a trailing twelve-month yield of 1.59%.
Based on historical P/E analysis, Magyar Bancorp, Inc. (MGYR) appears fair. The current P/E of 10.6 is 31% below its historical median of 15.4. The estimated fair value CAGR (P/E method) is 27.2%.
Magyar Bancorp, Inc. (MGYR) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
Magyar Bancorp, Inc. (MGYR) reported annual revenue of $55 million in its most recent fiscal year, based on SEC EDGAR filings.
Forward Looking Statements We have included or incorporated by reference in this Annual Report on Form 10-K, and from time to time our management may make, statements that may constitute “forward-looking statements” within the meaning of the safe harbour provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements are not historical facts but instead represent only our beliefs regarding future events, many of which, by their nature, are inherently uncertain and outside our control. These statements include statements other than historical information or statements of current condition and may relate to our future plans and objectives and results, as well as statements about the objective and effectiveness of our risk management and liquidity policies, statements about trends in or growth opportunities for our business, statements about our future status, and activities or reporting under U.S. banking and financial regulation.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 33M | 55M | 49M | 41M | 32M | 32M |
| Net Income | 11M | 9.8M | 7.8M | 7.7M | 7.9M | 6.1M |
| EPS | $1.67 | $1.56 | $1.23 | $1.20 | $1.17 | $1.01 |
| Free Cash Flow | 11M | 9.8M | 5.5M | 8.5M | 8.2M | 8.8M |
| ROIC | 6.3% | 6.4% | 5.7% | 6.6% | 8.1% | 7.9% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.40 | 0.41 | 0.26 | 0.56 | 0.16 | 0.24 |
| Dividends/Share | $0.00 | $0.29 | $0.26 | $0.20 | $0.21 | - |
| Operating Income | 58K | 14M | 11M | 11M | 11M | 8.7M |
| Operating Margin | 0.2% | 25.2% | 22.9% | 26.4% | 34.7% | 27.3% |
| ROE | 8.9% | 8.5% | 7.2% | 7.6% | 8.1% | 7.9% |
| Shares Outstanding | 6M | 6M | 6M | 6M | 7M | 6M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 21M | 21M | 23M | 24M | 26M | 29M | 29M | 32M | 32M | 41M | 49M | 55M | 33M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 7.7M | 8.1M | 8.5M | 9.1M | 9.7M | 10M | 10M | 11M | 546K | 784K | 12M | 13M | 13M |
| EBIT | 149K | 121K | 130K | 126K | 131K | 4.3M | 3.1M | 8.7M | 11M | 11M | 11M | 14M | 58K |
| Op. Margin | 0.7% | 0.6% | 0.6% | 0.5% | 0.5% | 14.6% | 10.9% | 27.3% | 34.7% | 26.4% | 22.9% | 25.2% | 0.2% |
| Net Income | 574K | 897K | 1.1M | 1.4M | 2.0M | 3.0M | 2.2M | 6.1M | 7.9M | 7.7M | 7.8M | 9.8M | 11M |
| Net Margin | 2.7% | 4.2% | 4.8% | 5.9% | 7.7% | 10.2% | 7.6% | 19.2% | 24.6% | 18.9% | 16.0% | 17.8% | 32.5% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | -16K | 0 | 0 | 9K | 60K | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 1.3% | 1.9% | 2.3% | 2.9% | 4.0% | 5.7% | 3.9% | 7.9% | 8.1% | 6.6% | 5.7% | 6.4% | 6.3% |
| ROE | 1.3% | 1.9% | 2.3% | 2.9% | 4.0% | 5.7% | 3.9% | 7.9% | 8.1% | 7.6% | 7.2% | 8.5% | 8.9% |
| ROA | 0.1% | 0.2% | 0.2% | 0.2% | 0.3% | 0.5% | 0.3% | 0.8% | 1.0% | 0.9% | 0.8% | 1.0% | 1.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 5.6M | 13M | 8.5M | 3.6M | 4.6M | 5.8M | 814K | 9.3M | 11M | 8.5M | 6.3M | 10M | 11M |
| Free Cash Flow | 5.4M | 12M | 8.3M | 3.3M | 4.3M | 5.7M | 667K | 8.8M | 8.2M | 8.5M | 5.5M | 9.8M | 11M |
| Owner Earnings | 4.6M | 12M | 7.7M | 2.6M | 3.8M | 4.9M | -40K | 8.4M | 10M | 7.0M | 4.8M | 8.8M | -7.5M |
| CapEx | 138K | 83K | 184K | 299K | 284K | 53K | 147K | 420K | 3.0M | 0 | 812K | 574K | 203K |
| Maint. CapEx | 919K | 845K | 778K | 816K | 861K | 871K | 854K | 835K | 839K | 840K | 890K | 937K | 18M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.2M | N/A | 0 | 0 | 0 |
| D&A | 919K | 845K | 778K | 816K | 861K | 871K | 854K | 835K | 839K | 840K | 890K | 937K | 18M |
| CapEx/OCF | 2.5% | 0.7% | 2.2% | 8.3% | 6.1% | 0.9% | 18.1% | N/A | 26.8% | N/A | 12.9% | 5.5% | 1.8% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.7M | 1.8M | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.5% | 2.0% | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 90K | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 18K | 12K | 3K | 188K | 0 | N/A | N/A | N/A | 6K | 664K | 646K | 621K | 615K |
| Debt Repayment | 8.7M | 5.0M | 2.3M | 5.0M | 5.1M | 8.9M | 10M | 44M | 11M | 4.7M | 4.4M | 3.5M | 3.5M |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -65M | -25M | -24M | -13M | 21M | -12M |
| Cash & Equiv. | 10M | 18M | 22M | 22M | 15M | 21M | 62M | 75M | 31M | 73M | 26M | 7.1M | 61M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30M | 29M | 49M | 49M |
| Debt/Equity | 10.55 | 10.80 | 11.24 | 11.19 | 11.15 | 10.53 | 12.26 | 0.24 | 0.16 | 0.56 | 0.26 | 0.41 | 0.40 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 |
| Equity | 46M | 47M | 48M | 49M | 51M | 55M | 57M | 98M | 99M | 105M | 111M | 119M | 122M |
| Total Assets | 530M | 551M | 584M | 603M | 624M | 630M | 754M | 774M | 799M | 907M | 952M | 998M | 1.0B |
| Total Liabilities | 484M | 504M | 537M | 554M | 573M | 576M | 697M | 676M | 700M | 803M | 841M | 879M | 924M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 22M | 23M | 24M | 26M | 28M | 31M | 33M | 39M | 46M | 52M | 59M | 67M | 69M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.10 | 0.15 | 0.19 | 0.24 | 0.35 | 0.51 | 0.31 | 1.01 | 1.17 | 1.20 | 1.23 | 1.56 | 1.67 |
| Owner EPS | 0.81 | 1.95 | 1.35 | 0.44 | 0.65 | 0.84 | -0.01 | 1.39 | 1.53 | 1.09 | 0.76 | 1.41 | -1.16 |
| Book Value | 8.00 | 7.80 | 8.31 | 8.34 | 8.86 | 9.30 | 8.05 | 16.11 | 14.55 | 16.31 | 17.47 | 19.00 | 18.79 |
| Cash Flow/Share | 0.97 | 2.09 | 1.48 | 0.61 | 0.80 | 0.99 | 0.12 | 1.53 | 1.65 | 1.32 | 1.00 | 1.66 | 4.45 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.21 | 0.20 | 0.26 | 0.29 | 0.00 |
| Shares Out. | 5.7M | 6.0M | 5.7M | 5.9M | 5.8M | 5.9M | 7.1M | 6.1M | 6.8M | 6.4M | 6.3M | 6.3M | 6.5M |
| Valuation | |||||||||||||
| P/E Ratio | 77.8 | 59.8 | 50.0 | 46.7 | 31.8 | 22.1 | 19.8 | 10.1 | 10.0 | 7.7 | 9.9 | 11.0 | 11.0 |
| P/FCF | 6.7 | 3.5 | 5.4 | 16.5 | 12.2 | 9.5 | 65.1 | 7.0 | 9.6 | 7.0 | 14.0 | 10.9 | 10.8 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.0 | 1.1 | 1.1 | 1.3 | 1.3 | 1.2 | 0.8 | 0.6 | 0.8 | 0.6 | 0.7 | 0.9 | 1.0 |
| Price/Sales | 2.3 | 2.7 | 2.7 | 3.3 | 3.0 | 2.9 | 2.4 | 1.8 | 2.5 | 2.5 | 2.4 | 2.9 | 3.6 |
| FCF Yield | 12.1% | 23.2% | 15.3% | 5.0% | 6.7% | 8.6% | 1.5% | 14.4% | 10.4% | 14.4% | 7.1% | 9.2% | 9.2% |
| Market Cap | 45M | 54M | 55M | 66M | 65M | 66M | 43M | 62M | 79M | 59M | 77M | 107M | 119M |
| Avg. Price | 5.81 | 6.71 | 7.46 | 9.21 | 9.36 | 8.98 | 7.70 | 8.82 | 11.12 | 10.85 | 10.69 | 14.66 | 18.29 |
| Year-End Price | 6.37 | 7.35 | 7.77 | 9.18 | 9.12 | 9.25 | 6.15 | 10.15 | 11.68 | 9.19 | 12.20 | 17.08 | 18.29 |
Magyar Bancorp, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Magyar Bancorp, Inc. trades at 10.6x trailing earnings, compared to its 15-year median P/E of 15.4x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 10.8x vs a median of 10.3x. The company's 5-year average ROIC is 6.9%. Total shareholder yield (dividends) is 1.6%. At current prices, the estimated annualized return to fair value is +17.7%.
Magyar Bancorp, Inc. (MGYR) has a net profit margin of 17.8%. This is a healthy margin.
Magyar Bancorp, Inc. (MGYR) generated $10 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Magyar Bancorp, Inc. (MGYR) has a debt-to-equity ratio of 0.41. This indicates a conservatively financed balance sheet.
Magyar Bancorp, Inc. (MGYR) reported earnings per share (EPS) of $1.56 in its most recent fiscal year.
Magyar Bancorp, Inc. (MGYR) has a return on equity (ROE) of 8.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for Magyar Bancorp, Inc. (MGYR), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Magyar Bancorp, Inc. (MGYR) has a book value per share of $19.00, based on its most recent annual SEC filing.
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