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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 $17.41, about 15.3% undervalued vs fair value, +26.3% 1Y return, ranked 664/1037 in sector.
Metrics P/E 11.0× Rev Growth 13.0% ROE 8.5% Div Yield 1.64%
$17.41
-0.23%
As of April 28, 2026
Previous close • Vol 90d: 25.5%
52-Week Range
Market Cap
$112.80M
Enterprise Value
$127.74M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
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: $17.41 +15% 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

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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
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
77
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing MGYR's balance between Growth (46.8%), Profitability (26.6%), and Safety (26.6%). Growth 47% Safety 27% Profitability 27%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

69th percentile vs peers
70
Key Signals
NII Growth YoY 14.0% 85p Asset Growth YoY 4.8% 56p EPS Growth YoY 27.5% 80p Equity Growth YoY 7.5% 55p
Strengths
  • NII Growth YoY in top 20% of peers (14.0%, 85th percentile)
  • EPS Growth YoY in top 20% of peers (27.5%, 80th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

39th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

39th percentile vs peers
40
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
- - -
+15.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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