Magyar Bancorp (MGYR) AI Stock Analysis

• Market Cap: $114.47M
• Dividend Yield: 1.81%
• Average Volume (3M): 3.05K
• Price to Earnings (P/E): 8.6
• Beta (1Y): 0.20
• Revenue Growth: 12.08%
• EPS Growth: 27.88%
• Country: US
• Employees: 91
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.50
• Shares Outstanding: 6,477,991
• 10 Day Avg. Volume: 1,765
• 30 Day Avg. Volume: 3,047
• PEG Ratio: 0.40
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 1.84
• P/FCF Ratio: 10.97
• Enterprise Value/Market Cap: 1.41
• Enterprise Value/Revenue: 2.69
• Enterprise Value/Gross Profit: 4.42
• Enterprise Value/Ebitda: 10.16
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: $18.00 ▲(2.56% Upside)
• Action: Reiterated Date: 02/14/26
• Date: Action: Reiterated 02/14/26

The score is driven primarily by favorable fundamentals (profitability, improving TTM results, and strong cash conversion) and supported by a clear technical uptrend. Valuation is reasonable with a modest P/E and some dividend support, while corporate events add a positive catalyst from strong results and increased shareholder returns; rising leverage and margin normalization remain key watch items.

Positive Factors

Strong profitability & cash conversion

Sustained high margins and near-complete conversion of earnings into free cash flow indicate durable internal funding for dividends, buybacks and loan growth. This strengthens capital flexibility and resilience across business cycles, enabling reinvestment without heavy external financing.

Negative Factors

Rising leverage trend

A material uptick in leverage increases sensitivity to funding stress and interest-rate swings, narrowing the bank's financial flexibility. Over a medium-term horizon, higher debt levels could constrain capital deployment or necessitate slower growth if capital buffers are tightened by regulators or markets.

Magyar Bancorp Business Overview & Revenue Model

Company Description

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States. It accepts various deposi...

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Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States. It accepts various deposi...

How the Company Makes Money

Magyar Bancorp primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. (1) Net interest income: The core earnings driver is the spread between interest income earned on loans and inves...

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Magyar Bancorp primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. (1) Net interest income: The core earnings driver is the spread between interest income earned on loans and inves...

Magyar Bancorp Financial Statement Overview

Breakdown	TTM	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021
Income Statement
Total Revenue	59.91M	58.42M	52.12M	40.74M	32.22M	31.62M
Gross Profit	36.54M	35.21M	31.44M	30.03M	29.43M	27.05M
EBITDA	15.89M	14.75M	11.99M	11.58M	12.01M	9.56M
Net Income	10.81M	9.76M	7.78M	7.71M	7.92M	6.12M
Balance Sheet
Total Assets	1.05B	997.66M	951.92M	907.29M	798.54M	773.99M
Cash, Cash Equivalents and Short-Term Investments	29.01M	22.98M	41.21M	82.66M	40.16M	88.13M
Total Debt	49.05M	49.05M	28.57M	33.90M	20.37M	23.36M
Total Liabilities	923.75M	878.82M	841.37M	802.50M	700.04M	676.35M
Stockholders Equity	121.75M	118.84M	110.55M	104.79M	98.50M	97.64M
Cash Flow
Free Cash Flow	10.96M	9.81M	5.51M	8.18M	10.81M	8.84M
Operating Cash Flow	11.16M	10.39M	6.32M	8.48M	11.20M	9.26M
Investing Cash Flow	-61.66M	-64.25M	-90.29M	-66.05M	-69.74M	-8.20M
Financing Cash Flow	26.09M	35.35M	37.04M	99.17M	14.28M	12.41M

Magyar Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.55
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MGYR, the sentiment is Positive. The current price of 17.55 is above the 20-day moving average (MA) of 17.30, below the 50-day MA of 17.61, and above the 200-day MA of 17.10, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 53.47 is Neutral, neither overbought nor oversold. The STOCH value of 57.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MGYR.

Magyar Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	75 Outperform	$114.47M	8.58	9.18%	1.81%	12.08%	27.88%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	65 Neutral	$115.86M	15.59	6.70%	1.75%	2.85%	73.41%
RVSB	60 Neutral	$117.43M	18.92	2.98%	1.51%	8.77%	369.81%
SRBK	59 Neutral	$132.56M	35.78	1.57%	0.88%	9.43%	166.36%
UNB	53 Neutral	$112.86M	9.78	14.80%	6.08%	14.52%	27.90%
BSBK	50 Neutral	$111.75M	51.05	1.50%	―	-15.09%	―

Magyar Bancorp Corporate Events