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Company Analysis

Magyar Bancorp, Inc. MGYR

A comprehensive view of key metrics, scores, and financial health for Magyar Bancorp, Inc.

Overview of Magyar Bancorp, Inc.

MGYR NGM
Financial Services Banks - Regional Micro Cap
Magyar Bancorp, Inc. (MGYR), is a Micro Cap company, in the Banks - Regional industry, last closed at $17.28, about 16.2% undervalued vs fair value, +20.8% 1Y return, ranked 659/1004 in sector.
$17.28
0.00%
As of March 13, 2026
Previous close • Vol 90d: 19.7%
52-Week Range
Market Cap
$113.17M
Enterprise Value
$128.11M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.magbank.com
HQ New Brunswick, NJ
Employees 91
Fiscal year Sep 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$11
$20
$38
Current: $17.28 +16% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$54.7M
12.6%%
Interest Expense
$22.8M
Net Interest Income
$31.9M
14%%
Total Revenue
$35.6M
12.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.2%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.7M
27.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Magyar Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
77
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing MGYR's balance between Growth (20.4%), Profitability (45.1%), and Safety (34.5%). Growth 20% Safety 35% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

30th percentile vs peers
30
Key Signals
Asset Growth YoY 4.8% 56p Rev Growth YoY 13.0% 21p Revenue CAGR 3Y 6.2% 15p
Strengths
  • Operating Margin in top 20% of peers (35.3%, 86th percentile)
  • Net Profit Margin in top 20% of peers (27.4%, 87th percentile)
Risks
  • Growth below peer median (percentile: 30)

Profitability

66th percentile vs peers
67
Key Signals
Strengths
Risks
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Safety

51th percentile vs peers
51
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Magyar Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$20.08
- - -
+16.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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