MGYR

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Magyar Bancorp, Inc.

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Key Metrics

Previous Close: $19.42
52-Week Range: $16.03 – $20.00
Market Cap: $125.62M
P/E (TTM): 10.41
EPS (TTM): 1.87
Dividend Yield: 2.06%

Advanced Metrics

Price/Book: 0.95
PEG Ratio: —
Return on Equity: 9.70%
Return on Assets: 1.16%
Gross Margin: 0.00%
Operating Margin: 44.04%
Profit Margin: 30.73%
Current Ratio: —
Debt/Equity: —
Total Debt: $49.05M
Free Cash Flow: —
Revenue Growth: 13.50%
Earnings Growth: 23.30%
Enterprise Value: —

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	—
Selling, General & Admin	$3.53M	$3.69M	$3.61M	$3.80M	—
Pretax Income	$3.47M	$3.67M	$4.28M	$4.27M	—
Income Tax	$1.00M	$1.15M	$1.14M	$1.24M	—
Net Income	$2.47M	$2.52M	$3.14M	$3.03M	—
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	$72.94M	$7.05M	$7.09M	$34.11M	$47.64M
Receivables	$5.26M	$5.37M	$5.80M	$5.59M	$5.88M
Total Assets	$1.02B	$987.49M	$997.66M	$1.05B	$1.07B
Long-Term Debt	$33.92M	$36.05M	$49.05M	$49.05M	$49.05M
Total Debt	$33.92M	$36.05M	$49.05M	$49.05M	$49.05M
Total Liabilities	$907.57M	$871.16M	$878.82M	$923.75M	$944.24M
Retained Earnings	$62.47M	$64.56M	$66.58M	$69.22M	$71.62M
Shareholders' Equity	$114.29M	$116.32M	$118.84M	$121.75M	$124.16M
Net Debt	—	$29.00M	$41.97M	$14.94M	$1.41M

MGYR Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$2.38M	$2.25M	$2.85M	$3.67M	$3.23M
Capital Expenditure	-$102.00K	-$45.00K	-$52.00K	-$4.00K	-$329.00K
Free Cash Flow	$2.28M	$2.21M	$2.79M	$3.67M	$2.90M
Depreciation & Amortisation	$237.00K	$233.00K	$227.00K	$211.00K	$213.00K
Stock-Based Compensation	$193.00K	$203.00K	$208.00K	$208.00K	$209.00K
Investing Cash Flow	$616.00K	-$31.90M	-$9.25M	-$21.13M	-$8.56M
Financing Cash Flow	$11.41M	-$36.24M	$6.44M	$44.48M	$18.86M
Dividends Paid	-$375.00K	-$378.00K	-$501.00K	-$502.00K	-$628.00K
Share Repurchases	-$83.00K	-$349.00K	$25.00K	-$34.00K	-$157.00K
Net Change in Cash	$14.41M	-$65.89M	$35.00K	$27.03M	$13.53M

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.