MGYR

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Magyar Bancorp, Inc.

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Key Metrics

Previous Close: $19.29
52-Week Range: $16.03 – $20.00
Market Cap: $124.69M
P/E (TTM): 10.33
EPS (TTM): 1.87
Dividend Yield: 2.07%

Advanced Metrics

Price/Book: 0.98
PEG Ratio: —
Return on Equity: 9.70%
Return on Assets: 1.16%
Gross Margin: 0.00%
Operating Margin: 45.26%
Profit Margin: 30.73%
Current Ratio: —
Debt/Equity: —
Total Debt: $51.80M
Free Cash Flow: —
Revenue Growth: 13.50%
Earnings Growth: 23.30%
Enterprise Value: $164.33M

MGYR Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$29.73M	$30.41M	$31.53M	$35.61M
Selling, General & Admin	$11.69M	$12.62M	$13.44M	$14.39M
Pretax Income	$11.17M	$10.74M	$11.10M	$13.81M
Income Tax	$3.25M	$3.03M	$3.32M	$4.05M
Net Income	$7.92M	$7.71M	$7.78M	$9.76M
Diluted EPS	1.17	1.20	1.23	1.56
Diluted Shares	6.77M	6.42M	6.33M	6.26M

MGYR Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$30.94M	$72.53M	$25.60M	$7.09M
Receivables	$3.48M	$4.34M	$5.06M	$5.80M
Total Assets	$798.54M	$907.29M	$951.92M	$997.66M
Long-Term Debt	$15.63M	$29.52M	$28.57M	$49.05M
Total Debt	$15.63M	$29.52M	$28.57M	$49.05M
Total Liabilities	$700.04M	$802.50M	$841.37M	$878.82M
Retained Earnings	$45.77M	$52.17M	$58.64M	$66.58M
Shareholders' Equity	$98.50M	$104.79M	$110.55M	$118.84M
Net Debt	—	—	$2.97M	$41.97M

MGYR Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$11.20M	$8.48M	$6.32M	$10.39M
Capital Expenditure	-$387.00K	-$309.00K	-$812.00K	-$574.00K
Free Cash Flow	$10.81M	$8.18M	$5.51M	$9.81M
Depreciation & Amortisation	$839.00K	$840.00K	$890.00K	$937.00K
Stock-Based Compensation	$185.00K	$786.00K	$801.00K	$808.00K
Investing Cash Flow	-$69.74M	-$66.05M	-$90.29M	-$64.25M
Financing Cash Flow	$14.28M	$99.17M	$37.04M	$35.35M
Dividends Paid	-$1.43M	-$1.31M	-$1.68M	-$1.82M
Share Repurchases	-$4.55M	-$1.22M	-$2.37M	-$844.00K
Net Change in Cash	-$44.27M	$41.60M	-$46.94M	-$18.51M

MGYR Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$8.81M	$9.25M	$9.65M	$10.09M	$10.24M
Selling, General & Admin	$3.52M	$3.69M	$3.61M	$3.80M	$3.80M
Pretax Income	$3.47M	$3.67M	$4.28M	$4.27M	$4.35M
Income Tax	$1.00M	$1.15M	$1.14M	$1.24M	$1.26M
Net Income	$2.47M	$2.52M	$3.14M	$3.03M	$3.09M
Diluted EPS	0.40	0.40	0.50	0.48	0.49
Diluted Shares	6.17M	6.31M	6.27M	6.31M	6.31M

MGYR Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$7.05M	$7.09M	$34.11M	$47.64M	$11.47M
Receivables	$5.37M	$5.80M	$5.59M	$5.88M	$5.76M
Total Assets	$987.49M	$997.66M	$1.05B	$1.07B	$1.05B
Long-Term Debt	$36.05M	$49.05M	$49.05M	$49.05M	$49.05M
Total Debt	$36.05M	$49.05M	$49.05M	$49.05M	$49.05M
Total Liabilities	$871.16M	$878.82M	$923.75M	$944.24M	$921.88M
Retained Earnings	$64.56M	$66.58M	$69.22M	$71.62M	$74.07M
Shareholders' Equity	$116.32M	$118.84M	$121.75M	$124.16M	$126.62M
Net Debt	$29.00M	$41.97M	$14.94M	$1.41M	$37.58M

MGYR Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$2.25M	$2.85M	$3.67M	$3.23M	$5.22M
Capital Expenditure	-$45.00K	-$52.00K	-$4.00K	-$329.00K	-$462.00K
Free Cash Flow	$2.21M	$2.79M	$3.67M	$2.90M	$4.76M
Depreciation & Amortisation	$233.00K	$227.00K	$211.00K	$213.00K	$220.00K
Stock-Based Compensation	$203.00K	$208.00K	$208.00K	$209.00K	$209.00K
Investing Cash Flow	-$31.90M	-$9.25M	-$21.13M	-$8.56M	-$16.11M
Financing Cash Flow	-$36.24M	$6.44M	$44.48M	$18.86M	-$25.29M
Dividends Paid	-$378.00K	-$501.00K	-$502.00K	-$628.00K	-$636.00K
Share Repurchases	-$349.00K	$25.00K	-$34.00K	-$157.00K	-$263.00K
Net Change in Cash	-$65.89M	$35.00K	$27.03M	$13.53M	-$36.17M

Market Snapshot

About

Magyar Bancorp is the holding company for Magyar Bank, a community bank serving Edison, New Jersey and surrounding areas. The bank provides traditional banking services to individuals and small businesses in the local Hungarian-American community.