Symbols / MGYR Stock $17.75 +1.31% Magyar Bancorp, Inc.

Financial Services • Banks - Regional • United States • NGM
MGYR (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. John S. Fitzgerald
Exch · Country NGM · United States
Market Cap 114.98M
Enterprise Value 130.41M
Income 10.81M
Sales 36.54M
FCF (ttm) —
Book/sh 18.34
Cash/sh 5.39
Employees 91
Insider 10d —
IPO Jan 24, 2006
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout —
P/E 9.97
Forward P/E —
PEG —
P/S 3.15
P/B 0.97
P/C —
EV/EBITDA —
EV/Sales 3.57
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.78
EPS next Y —
EPS Growth 51.50%
Revenue Growth 16.10%
EPS Gr Q/Q 50.40%
Rev Gr Q/Q —
Earnings (next) 2008-01-23
Earnings (prior) 2008-01-23
ROA 1.05%
ROE 9.26%
ROIC —
Gross Margin 0.00%
Oper. Margin 45.60%
Profit Margin 29.59%
Shs Outstand 6.48M
Shs Float 5.83M
Insider Own 16.31%
Instit Own 31.61%
Short Float 0.13%
Short Ratio 0.79
Short Interest 7.50K
52W High 20.00
vs 52W High -11.25%
52W Low 13.78
vs 52W Low 28.81%
Beta 0.24
Impl. Vol. —
Rel Volume 0.14
Avg Volume 5.87K
Volume 800.00
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $17.52
Price $17.75
Change 1.31%
About

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 deposit accounts, including demand, savings, NOW, money market, and retirement accounts, as well as certificates of deposit. The company provides one-to four-family residential mortgage loans, multi-family and commercial real estate mortgage loans, home equity loans and lines of credit, commercial business loans, and construction loans, as well as small business administration loans. In addition, it offers non-deposit investment products and financial planning services, including insurance products, fixed and variable annuities, and retirement planning for individual and commercial customers; and buys, sells, and holds investment securities. Magyar Bancorp, Inc. was founded in 1922 and is headquartered in New Brunswick, New Jersey.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$17.75
Latest analyst target
3. DCF / Fair value
$26.70
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$17.75
Low
—
High
—
Mean
—
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-12 YELENCSICS JOSEPH A Director — 200 $17.56 $3,511
2026-02-25 ANSARI JON R Chief Financial Officer — 500 $18.00 $9,000
2026-02-25 FITZGERALD JOHN S Chief Executive Officer — 739 $18.00 $13,302
2026-02-19 FITZGERALD JOHN S Chief Executive Officer — 44 $18.00 $792
2026-02-17 FITZGERALD JOHN S Chief Executive Officer — 100 $18.00 $1,800
2026-02-12 FITZGERALD JOHN S Chief Executive Officer — 5 $18.00 $90
2026-02-11 FITZGERALD JOHN S Chief Executive Officer — 100 $18.00 $1,800
2025-12-12 LOMBARDI MICHAEL R. Director — 550 $17.02 $9,441
2025-11-06 FITZGERALD JOHN S Chief Executive Officer — 200 $17.24 $3,448
2025-11-06 RUANE MAUREEN Director — 1,464 $17.24 $25,239
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Total Revenue
35.61
+12.95%
31.53
+3.68%
30.41
+2.26%
29.73
Operating Revenue
35.61
+12.95%
31.53
+3.68%
30.41
+2.26%
29.73
Selling General And Administration
14.39
+7.12%
13.44
+6.42%
12.62
+7.97%
11.69
Selling And Marketing Expense
0.44
+8.96%
0.40
+9.84%
0.37
-18.12%
0.45
General And Administrative Expense
13.95
+7.07%
13.03
+6.32%
12.26
+9.01%
11.24
Salaries And Wages
13.50
+7.06%
12.61
+5.82%
11.92
+8.05%
11.03
Other Gand A
—
—
—
0.56
Reconciled Depreciation
0.94
+5.28%
0.89
+5.95%
0.84
+0.12%
0.84
Total Unusual Items
0.23
-83.22%
1.36
+15066.67%
0.01
-86.57%
0.07
Total Unusual Items Excluding Goodwill
0.23
-83.22%
1.36
+15066.67%
0.01
-86.57%
0.07
Special Income Charges
0.00
-100.00%
0.06
+566.67%
0.01
—
Other Special Charges
—
-0.06
-566.67%
-0.01
—
Net Income
9.76
+25.40%
7.78
+0.96%
7.71
-2.65%
7.92
Pretax Income
13.81
+24.41%
11.10
+3.34%
10.74
-3.83%
11.17
Net Interest Income
31.90
+14.02%
27.97
+0.87%
27.73
+2.65%
27.02
Interest Expense
22.81
+10.74%
20.60
+99.31%
10.33
+316.02%
2.48
Interest Income
54.71
+12.63%
48.57
+27.59%
38.07
+29.03%
29.50
Gain On Sale Of Security
—
—
—
—
Tax Provision
4.05
+22.07%
3.32
+9.40%
3.03
-6.71%
3.25
Tax Rate For Calcs
0.00
-1.88%
0.00
+5.97%
0.00
-3.09%
0.00
Tax Effect Of Unusual Items
0.07
-83.54%
0.41
+15971.76%
0.00
-86.98%
0.02
Net Income Including Noncontrolling Interests
9.76
+25.40%
7.78
+0.96%
7.71
-2.65%
7.92
Net Income From Continuing Operation Net Minority Interest
9.76
+25.40%
7.78
+0.96%
7.71
-2.65%
7.92
Net Income From Continuing And Discontinued Operation
9.76
+25.40%
7.78
+0.96%
7.71
-2.65%
7.92
Net Income Continuous Operations
9.76
+25.40%
7.78
+0.96%
7.71
-2.65%
7.92
Normalized Income
9.60
+40.61%
6.83
-11.38%
7.70
-2.15%
7.87
Net Income Common Stockholders
9.76
+25.40%
7.78
+0.96%
7.71
-2.65%
7.92
Diluted EPS
1.56
+26.83%
1.23
+2.50%
1.20
+2.56%
1.17
Basic EPS
1.57
+27.64%
1.23
+2.50%
1.20
+2.56%
1.17
Basic Average Shares
6.22
-1.76%
6.33
-1.50%
6.42
-5.09%
6.77
Diluted Average Shares
6.26
-1.13%
6.33
-1.50%
6.42
-5.09%
6.77
Diluted NI Availto Com Stockholders
9.76
+25.40%
7.78
+0.96%
7.71
-2.65%
7.92
Insurance And Claims
0.45
+7.13%
0.42
+23.82%
0.34
+58.14%
0.21
Occupancy And Equipment
3.46
+5.74%
3.27
+2.76%
3.19
+5.67%
3.02
Other Non Interest Expense
2.84
-1.90%
2.89
+6.05%
2.73
+9.51%
2.49
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Total Assets
997.66
+4.81%
951.92
+4.92%
907.29
+13.62%
798.54
Cash And Cash Equivalents
7.09
-72.32%
25.60
-64.71%
72.53
+134.46%
30.94
Cash Financial
1.43
-9.32%
1.58
-50.39%
3.18
+10.81%
2.87
Other Short Term Investments
15.89
+1.79%
15.62
+54.23%
10.12
+9.71%
9.23
Receivables
5.80
+14.68%
5.06
+16.58%
4.34
+24.70%
3.48
Accounts Receivable
5.80
+14.68%
5.06
+16.58%
4.34
+24.70%
3.48
Net PPE
12.18
-2.89%
12.54
-5.95%
13.34
-3.90%
13.88
Gross PPE
30.25
+1.89%
29.69
+0.32%
29.59
+0.53%
29.44
Accumulated Depreciation
-18.07
-5.38%
-17.14
-5.48%
-16.25
-4.47%
-15.56
Land And Improvements
3.10
+0.00%
3.10
-18.79%
3.81
+0.00%
3.81
Buildings And Improvements
22.73
+1.29%
22.44
+2.36%
21.92
+0.26%
21.87
Machinery Furniture Equipment
4.42
+6.52%
4.15
+7.62%
3.86
+2.60%
3.76
Investments And Advances
88.45
-7.32%
95.43
-0.55%
95.96
-4.87%
100.88
Total Liabilities Net Minority Interest
878.82
+4.45%
841.37
+4.84%
802.50
+14.64%
700.04
Payables And Accrued Expenses
0.97
+8.75%
0.89
+101.13%
0.44
+421.18%
0.09
Payables
0.97
+8.75%
0.89
+101.13%
0.44
+421.18%
0.09
Accounts Payable
0.97
+8.75%
0.89
+101.13%
0.44
+421.18%
0.09
Current Debt And Capital Lease Obligation
—
3.50
-20.16%
4.38
-7.53%
4.74
Current Debt
—
3.50
-20.16%
4.38
-7.53%
4.74
Other Current Borrowings
—
3.50
-20.16%
4.38
-7.53%
4.74
Long Term Debt And Capital Lease Obligation
49.05
+71.71%
28.57
-3.21%
29.52
+88.90%
15.62
Long Term Debt
49.05
+71.71%
28.57
-3.21%
29.52
+88.90%
15.62
Stockholders Equity
118.84
+7.50%
110.55
+5.49%
104.79
+6.38%
98.50
Common Stock Equity
118.84
+7.50%
110.55
+5.49%
104.79
+6.38%
98.50
Capital Stock
0.07
+0.00%
0.07
+0.00%
0.07
+0.00%
0.07
Common Stock
0.07
+0.00%
0.07
+0.00%
0.07
+0.00%
0.07
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
7.10
+0.00%
7.10
+0.00%
7.10
-1.57%
7.21
Ordinary Shares Number
6.48
-0.45%
6.51
-2.47%
6.67
-1.05%
6.75
Treasury Shares Number
0.62
+4.98%
0.59
+38.91%
0.42
-9.03%
0.47
Additional Paid In Capital
63.42
+0.53%
63.09
+0.45%
62.80
-1.46%
63.73
Retained Earnings
66.58
+13.53%
58.64
+12.42%
52.17
+13.97%
45.77
Gains Losses Not Affecting Retained Earnings
-0.52
+42.90%
-0.92
+48.80%
-1.79
+15.37%
-2.11
Treasury Stock
7.84
+6.46%
7.36
+37.34%
5.36
-7.44%
5.79
Other Equity Adjustments
-0.52
+42.90%
-0.92
+48.80%
-1.79
+15.37%
-2.11
Total Equity Gross Minority Interest
118.84
+7.50%
110.55
+5.49%
104.79
+6.38%
98.50
Total Capitalization
167.90
+20.69%
139.12
+3.58%
134.31
+17.68%
114.13
Invested Capital
167.90
+20.69%
139.12
+3.58%
134.31
+17.68%
114.13
Total Debt
49.05
+71.71%
28.57
-3.21%
29.52
+88.90%
15.62
Net Debt
41.97
+1312.11%
2.97
—
—
Net Tangible Assets
118.84
+7.50%
110.55
+5.49%
104.79
+6.38%
98.50
Tangible Book Value
118.84
+7.50%
110.55
+5.49%
104.79
+6.38%
98.50
Available For Sale Securities
6.79
—
—
—
Cash Cash Equivalents And Federal Funds Sold
7.09
-72.32%
25.60
-64.71%
72.53
+134.46%
30.94
Held To Maturity Securities
65.77
-17.60%
79.82
-7.01%
85.83
-6.34%
91.65
Other Equity Interest
-2.87
+3.50%
-2.97
+4.04%
-3.10
+2.27%
-3.17
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Operating Cash Flow
10.39
+64.43%
6.32
-25.53%
8.48
-24.26%
11.20
Cash Flow From Continuing Operating Activities
10.39
+64.43%
6.32
-25.53%
8.48
-24.26%
11.20
Net Income From Continuing Operations
9.76
+25.40%
7.78
+0.96%
7.71
-2.65%
7.92
Depreciation Amortization Depletion
0.94
+5.28%
0.89
+5.95%
0.84
+0.12%
0.84
Depreciation
0.94
+5.28%
0.89
+5.95%
0.84
+0.12%
0.84
Depreciation And Amortization
0.94
+5.28%
0.89
+5.95%
0.84
+0.12%
0.84
Other Non Cash Items
0.23
+120.46%
-1.14
-684.10%
0.20
-59.79%
0.48
Stock Based Compensation
0.81
+0.87%
0.80
+1.91%
0.79
+324.86%
0.18
Deferred Tax
-0.35
-1154.55%
0.03
+105.37%
-0.61
-504.61%
0.15
Deferred Income Tax
-0.35
-1154.55%
0.03
+105.37%
-0.61
-504.61%
0.15
Operating Gains Losses
-1.14
-72.23%
-0.66
-14.81%
-0.57
+37.95%
-0.93
Gain Loss On Investment Securities
—
—
—
—
Gain Loss On Sale Of PPE
0.00
+100.00%
-0.06
-566.67%
-0.01
0.00
Change In Working Capital
-0.25
+83.81%
-1.54
-311.73%
-0.38
-118.28%
2.05
Change In Receivables
-0.74
-3.20%
-0.72
+16.30%
-0.86
-1661.82%
0.06
Changes In Account Receivables
-0.74
-3.20%
-0.72
+16.30%
-0.86
-1661.82%
0.06
Change In Payables And Accrued Expense
-0.57
+74.35%
-2.22
-273.73%
1.28
-63.98%
3.55
Change In Payable
-0.57
+74.35%
-2.22
-273.73%
1.28
-63.98%
3.55
Change In Account Payable
-0.57
+74.35%
-2.22
-273.73%
1.28
-63.98%
3.55
Change In Other Working Capital
—
-0.43
-17.03%
-0.37
+0.54%
-0.37
Change In Other Current Assets
1.06
-23.98%
1.40
+275.72%
-0.80
+48.87%
-1.55
Investing Cash Flow
-64.25
+28.84%
-90.29
-36.69%
-66.05
+5.29%
-69.74
Cash Flow From Continuing Investing Activities
-64.25
+28.84%
-90.29
-36.69%
-66.05
+5.29%
-69.74
Net PPE Purchase And Sale
-0.57
-1494.44%
-0.04
+87.59%
-0.29
+25.06%
-0.39
Purchase Of PPE
-0.57
+29.31%
-0.81
-162.78%
-0.31
+20.16%
-0.39
Sale Of PPE
0.00
-100.00%
0.78
+3984.21%
0.02
0.00
Capital Expenditure
-0.57
+29.31%
-0.81
-162.78%
-0.31
+20.16%
-0.39
Net Investment Purchase And Sale
7.40
+469.67%
1.30
-72.54%
4.73
+114.68%
-32.22
Purchase Of Investment
-11.31
+9.41%
-12.48
-90.49%
-6.55
+84.07%
-41.14
Sale Of Investment
18.71
+35.75%
13.78
+22.13%
11.28
+26.56%
8.91
Net Other Investing Changes
5.71
+247.07%
-3.89
-338.60%
-0.89
+61.26%
-2.29
Financing Cash Flow
35.35
-4.55%
37.04
-62.65%
99.17
+594.58%
14.28
Cash Flow From Continuing Financing Activities
35.35
-4.55%
37.04
-62.65%
99.17
+594.58%
14.28
Net Issuance Payments Of Debt
20.49
+2263.25%
-0.95
-106.82%
13.89
+279.67%
-7.73
Issuance Of Debt
23.99
+597.88%
3.44
-81.55%
18.63
+521.03%
3.00
Repayment Of Debt
-3.50
+20.16%
-4.38
+7.53%
-4.74
+55.82%
-10.73
Long Term Debt Issuance
23.99
+597.88%
3.44
-81.55%
18.63
+521.03%
3.00
Long Term Debt Payments
-3.50
+20.16%
-4.38
+7.53%
-4.74
+55.82%
-10.73
Net Long Term Debt Issuance
20.49
+2263.25%
-0.95
-106.82%
13.89
+279.67%
-7.73
Net Common Stock Issuance
-0.84
+64.45%
-2.37
-95.07%
-1.22
+73.26%
-4.55
Common Stock Payments
-0.84
+64.45%
-2.37
-95.07%
-1.22
+73.26%
-4.55
Common Stock Dividend Paid
-1.82
-8.58%
-1.68
-27.68%
-1.31
+7.85%
-1.43
Cash Dividends Paid
-1.82
-8.58%
-1.68
-27.68%
-1.31
+7.85%
-1.43
Repurchase Of Capital Stock
-0.84
+64.45%
-2.37
-95.07%
-1.22
+73.26%
-4.55
Proceeds From Stock Option Exercised
—
—
0.00
+100.00%
-0.10
Net Other Financing Charges
-0.10
-112.38%
0.82
+837.93%
0.09
-47.27%
0.17
Changes In Cash
-18.51
+60.56%
-46.94
-212.84%
41.60
+193.97%
-44.27
Beginning Cash Position
25.60
-64.71%
72.53
+134.46%
30.94
-58.86%
75.20
End Cash Position
7.09
-72.32%
25.60
-64.71%
72.53
+134.46%
30.94
Free Cash Flow
9.81
+78.26%
5.51
-32.65%
8.18
-24.40%
10.81
Interest Paid Supplemental Data
22.73
+12.83%
20.15
+101.94%
9.98
+301.49%
2.48
Income Tax Paid Supplemental Data
5.62
+95.99%
2.87
-11.83%
3.25
+3.66%
3.14
Common Stock Issuance
—
—
—
0.00
Issuance Of Capital Stock
—
—
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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