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Magyar Bancorp (MGYR) Financials

Magyar Bancorp logo
$17.54 -0.06 (-0.34%)
Closing price 07/16/2026 04:00 PM Eastern
Extended Trading
$17.54 +0.00 (+0.01%)
As of 04:09 AM Eastern
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Annual Income Statements for Magyar Bancorp

Annual Income Statements for Magyar Bancorp

This table shows Magyar Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2015 9/30/2016 9/30/2017 9/30/2018 9/30/2019 9/30/2020 9/30/2021 9/30/2022 9/30/2023 9/30/2024 9/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 0.90 1.09 1.42 2.03 3.00 2.19 6.12 7.92 7.71 7.78 9.76
Consolidated Net Income / (Loss)		 0.90 1.09 1.42 2.03 3.00 2.19 6.12 7.92 7.71 7.78 9.76
Net Income / (Loss) Continuing Operations		 0.90 1.09 1.42 2.03 3.00 2.19 6.12 7.92 7.71 7.78 9.76
Total Pre-Tax Income 		1.31 1.76 2.42 3.50 4.26 3.11 8.73 11 11 11 14
Total Revenue		 18 19 20 22 23 23 29 30 30 32 36
Net Interest Income / (Expense)		 16 17 18 20 20 21 26 27 28 28 32
Total Interest Income		 19 20 22 24 27 27 29 30 38 49 55
Loans and Leases Interest Income		 18 19 20 23 25 26 28 28 35 43 50
Investment Securities Interest Income		 1.37 1.59 1.56 1.61 1.80 1.17 0.88 1.58 2.70 5.25 4.58
Total Interest Expense		 3.20 3.53 3.77 4.65 6.71 5.51 2.94 2.48 10 21 23
Deposits Interest Expense		 2.45 2.79 3.05 3.90 5.92 4.77 2.29 2.07 9.49 20 22
Long-Term Debt Interest Expense		 0.75 0.74 0.72 0.75 0.79 0.74 0.65 0.41 0.85 0.87 1.05
Total Non-Interest Income		 1.99 2.15 2.00 2.12 2.14 1.72 3.41 2.72 2.68 3.61 3.71
Other Service Charges		 1.10 1.15 1.38 1.23 1.52 1.01 2.34 1.35 1.74 1.22 1.68
Net Realized & Unrealized Capital Gains on Investments		 0.58 0.70 0.32 0.60 0.31 0.39 0.75 0.99 0.57 1.96 1.36
Other Non-Interest Income		 0.30 0.30 0.29 0.29 0.30 0.32 0.32 0.37 0.37 0.43 0.67
Provision for Credit Losses		 1.26 1.37 1.34 1.00 0.67 1.67 1.63 0.30 0.38 0.09 0.40
Total Non-Interest Expense		 16 16 16 17 18 18 19 18 19 20 21
Salaries and Employee Benefits		 8.14 8.48 9.08 9.69 10 10 11 11 12 12 13
Net Occupancy & Equipment Expense		 3.35 3.21 3.32 3.52 3.63 3.58 3.53 3.57 3.77 3.82 3.93
Marketing Expense		 - - - - - - 0.23 0.45 0.37 0.40 0.44
Property & Liability Insurance Claims		 0.72 0.72 0.50 0.43 0.33 0.48 0.42 0.22 0.34 0.42 0.45
Other Operating Expenses		 3.44 3.53 3.55 3.69 3.51 4.01 3.85 3.00 2.90 3.93 3.86
Income Tax Expense		 0.41 0.66 0.99 1.47 1.27 0.92 2.61 3.25 3.03 3.32 4.05
Basic Earnings per Share		 $0.15 $0.19 $0.24 $0.35 $0.51 $0.31 $1.01 $1.17 $1.20 $1.23 $1.57
Weighted Average Basic Shares Outstanding		 5.82M 5.82M 5.82M 5.82M 5.82M 7.10M 6.04M 6.78M 6.42M 6.34M 6.22M
Diluted Earnings per Share		 $0.15 $0.19 $0.24 $0.35 $0.51 $0.31 - $1.17 $1.20 $1.23 $1.56
Weighted Average Diluted Shares Outstanding		 5.82M 5.82M 5.82M 5.82M 5.82M 7.10M 6.04M 6.78M 6.42M 6.34M 6.24M
Weighted Average Basic & Diluted Shares Outstanding		 5.82M 5.82M 5.82M 5.82M 5.82M 7.10M 6.04M 6.74M 6.66M 6.48M 6.48M
Cash Dividends to Common per Share		 - - - - - - - $0.21 $0.20 $0.26 $0.29

Quarterly Income Statements for Magyar Bancorp

This table shows Magyar Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.19 1.65 1.90 1.69 0.91 2.09 2.68 2.47 2.48 3.14 3.03
Consolidated Net Income / (Loss)		 2.19 1.65 1.90 1.69 2.54 2.09 2.68 2.47 2.52 3.14 3.03
Net Income / (Loss) Continuing Operations		 2.19 1.65 1.90 1.69 0.91 2.09 2.68 2.47 2.48 3.14 3.03
Total Pre-Tax Income 		2.86 2.35 2.42 2.19 4.13 2.89 3.78 3.47 3.67 4.28 4.27
Total Revenue		 7.84 7.85 7.55 7.19 7.70 8.40 9.14 8.81 9.25 9.66 10
Net Interest Income / (Expense)		 7.01 7.24 6.92 6.78 7.02 7.44 7.88 8.18 8.40 8.86 9.23
Total Interest Income		 11 12 12 12 13 13 14 14 14 15 15
Loans and Leases Interest Income		 9.67 10 11 11 12 12 12 13 13 14 14
Investment Securities Interest Income		 0.95 1.42 1.32 1.31 1.19 0.99 1.34 1.33 0.92 0.97 1.29
Total Interest Expense		 3.61 4.31 5.00 5.54 5.74 5.46 5.65 5.81 5.89 5.70 5.72
Deposits Interest Expense		 3.36 4.08 4.78 5.34 5.54 5.25 5.43 5.55 5.53 5.29 5.32
Long-Term Debt Interest Expense		 0.25 0.24 0.22 0.21 0.21 0.21 0.22 0.26 0.36 0.41 0.40
Total Non-Interest Income		 0.83 0.61 0.62 0.41 0.68 0.96 1.27 0.64 0.85 0.80 0.86
Other Service Charges		 0.66 0.33 0.32 0.30 0.27 0.33 0.49 0.46 0.40 0.37 0.40
Net Realized & Unrealized Capital Gains on Investments		 0.08 0.19 0.21 0.01 0.26 0.46 0.61 0.01 0.29 0.26 0.29
Other Non-Interest Income		 0.09 0.10 0.09 0.09 0.15 0.17 0.16 0.17 0.17 0.17 0.17
Provision for Credit Losses		 -0.05 0.48 0.01 -0.05 -0.18 0.10 -0.03 0.10 0.25 0.02 0.26
Total Non-Interest Expense		 5.03 5.02 5.11 5.06 5.38 5.41 5.40 5.24 5.35 5.36 5.57
Salaries and Employee Benefits		 3.15 3.07 3.22 2.89 2.64 3.08 3.23 3.10 2.91 3.17 3.36
Net Occupancy & Equipment Expense		 0.97 0.93 0.95 0.97 0.97 1.08 0.97 0.92 0.96 0.98 1.01
Marketing Expense		 0.02 0.10 0.10 0.10 0.11 0.13 0.12 0.11 0.08 0.12 0.12
Property & Liability Insurance Claims		 0.10 0.10 0.11 0.11 0.11 0.11 0.11 0.12 0.12 0.12 0.12
Other Operating Expenses		 0.80 0.82 0.74 0.98 1.56 1.01 0.97 0.99 1.29 0.98 0.96
Income Tax Expense		 0.67 0.70 0.53 0.50 1.59 0.81 1.10 1.00 1.15 1.14 1.24
Basic Earnings per Share		 $0.34 $0.26 $0.30 $0.27 $0.40 $0.34 $0.43 $0.40 $0.40 $0.51 $0.49
Weighted Average Basic Shares Outstanding		 6.42M 6.39M 6.37M 6.34M 6.34M 6.23M 6.22M 6.22M 6.22M 6.21M 6.22M
Diluted Earnings per Share		 $0.34 $0.26 $0.30 $0.27 $0.40 $0.33 $0.43 $0.40 $0.39 $0.50 $0.48
Weighted Average Diluted Shares Outstanding		 6.42M 6.39M 6.37M 6.34M 6.34M 6.24M 6.23M 6.23M 6.24M 6.28M 6.29M
Weighted Average Basic & Diluted Shares Outstanding		 6.66M 6.65M 6.59M 6.49M 6.48M - - 6.45M 6.48M 6.48M 6.46M
Cash Dividends to Common per Share		 $0.03 $0.11 $0.05 $0.05 - $0.09 $0.06 $0.06 - $0.08 $0.10

Annual Cash Flow Statements for Magyar Bancorp

This table details how cash moves in and out of Magyar Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2015 9/30/2016 9/30/2017 9/30/2018 9/30/2019 9/30/2020 9/30/2021 9/30/2022 9/30/2023 9/30/2024 9/30/2025
Net Change in Cash & Equivalents		 7.85 3.70 0.53 -6.97 6.10 40 13 -44 42 -47 -19
Net Cash From Operating Activities		 13 8.51 3.60 4.62 5.79 0.81 9.26 11 8.48 6.32 10
Net Cash From Continuing Operating Activities		 13 8.51 3.60 4.62 5.79 0.81 9.26 11 8.48 6.32 10
Net Income / (Loss) Continuing Operations		 0.90 1.09 1.42 2.03 3.00 2.19 6.12 7.92 7.71 7.78 9.76
Consolidated Net Income / (Loss)		 0.90 1.09 1.42 2.03 3.00 2.19 6.12 7.92 7.71 7.78 9.76
Provision For Loan Losses		 1.33 1.67 1.56 1.42 0.21 2.04 1.97 0.30 0.38 0.09 0.46
Depreciation Expense		 0.85 0.78 0.82 0.86 0.87 0.85 0.84 0.84 0.84 0.89 0.94
Amortization Expense		 0.25 0.20 0.19 0.13 0.11 0.11 0.17 0.19 0.14 0.06 -0.02
Non-Cash Adjustments to Reconcile Net Income		 9.30 9.68 5.32 8.45 3.02 3.33 -0.61 9.43 -0.21 5.48 11
Changes in Operating Assets and Liabilities, net		 -0.11 -4.90 -5.71 -8.27 -1.42 -7.71 0.78 -7.48 -0.38 -7.99 -12
Net Cash From Investing Activities		 -24 -36 -22 -30 -0.41 -80 -8.20 -70 -66 -90 -64
Net Cash From Continuing Investing Activities		 -24 -36 -22 -30 -0.41 -80 -8.20 -70 -66 -90 -64
Purchase of Property, Leasehold Improvements and Equipment		 -0.08 -0.18 -0.30 -0.28 -0.05 -0.15 -0.42 -3.39 -0.31 -0.81 -0.57
Purchase of Investment Securities		 -16 -27 -26 -11 -6.30 -33 -53 -42 -26 -107 -98
Sale of Property, Leasehold Improvements and Equipment		 - - - - 0.00 0.70 - - - 0.78 0.00
Sale and/or Maturity of Investments		 18 22 10 18 26 26 28 12 16 17 34
Net Cash From Financing Activities		 19 31 19 19 0.72 119 12 14 99 37 35
Net Cash From Continuing Financing Activities		 19 31 19 19 0.72 119 12 14 99 37 35
Net Change in Deposits		 18 26 23 15 -0.06 88 21 28 88 41 18
Issuance of Debt		 11 6.71 0.87 8.72 9.61 42 0.00 3.00 19 3.44 24
Repayment of Debt		 -10 -2.26 -5.00 -5.10 -8.94 -10 -44 -11 -4.74 -4.38 -3.50
Repurchase of Common Equity		 - - - - 0.00 -0.09 -3.27 -4.55 -1.22 -2.37 -0.84
Payment of Dividends		 - - - - - - 0.00 -1.43 -1.32 -1.68 -1.82
Other Financing Activities, Net		 0.14 0.37 0.27 0.35 0.11 0.01 0.83 0.17 0.09 0.82 -0.10
Cash Interest Paid		 3.21 3.52 3.78 4.56 6.71 5.51 3.05 2.49 9.98 20 23
Cash Income Taxes Paid		 0.01 0.00 0.04 1.07 1.06 2.28 2.75 3.14 3.26 2.87 5.63

Quarterly Cash Flow Statements for Magyar Bancorp

This table details how cash moves in and out of Magyar Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 50 -21 -1.13 -0.94 -23 33 14 -66 0.04 27 14
Net Cash From Operating Activities		 3.93 3.22 0.55 1.69 0.86 2.91 2.38 2.26 2.85 3.68 3.23
Net Cash From Continuing Operating Activities		 3.93 3.22 0.55 1.69 0.86 2.91 2.38 2.26 2.85 3.68 3.23
Net Income / (Loss) Continuing Operations		 2.19 1.65 1.90 1.69 2.54 2.09 2.68 2.47 2.53 3.14 3.03
Consolidated Net Income / (Loss)		 2.19 1.65 1.90 1.69 2.54 2.09 2.68 2.47 2.53 3.14 3.03
Provision For Loan Losses		 -0.05 0.48 0.01 -0.05 -0.35 0.16 -0.03 0.10 0.23 0.02 0.26
Depreciation Expense		 0.21 0.22 0.22 0.22 0.23 0.24 0.24 0.23 0.23 0.21 0.21
Amortization Expense		 0.03 0.02 0.02 0.02 0.01 0.00 -0.00 -0.01 -0.01 -0.02 -0.02
Non-Cash Adjustments to Reconcile Net Income		 -0.28 1.01 3.03 -0.02 1.47 2.34 6.40 -0.22 12 3.16 2.66
Changes in Operating Assets and Liabilities, net		 1.84 -0.16 -4.62 -0.17 -3.05 -1.92 -6.91 -0.33 -12 -2.84 -2.91
Net Cash From Investing Activities		 1.13 -31 -13 -17 -29 -24 0.62 -32 -9.25 -21 -8.56
Net Cash From Continuing Investing Activities		 1.13 -31 -13 -17 -29 -24 0.62 -32 -9.25 -21 -8.56
Purchase of Property, Leasehold Improvements and Equipment		 -0.07 -0.13 -0.13 -0.14 -0.42 -0.38 -0.10 -0.05 -0.05 -0.00 -0.33
Purchase of Investment Securities		 -6.66 -36 -16 -22 -33 -30 -5.61 -37 -27 -25 -10
Sale and/or Maturity of Investments		 3.57 3.98 3.18 5.30 4.27 6.74 6.33 5.48 17 3.99 2.08
Net Cash From Financing Activities		 45 6.70 11 14 5.07 54 11 -36 6.44 44 19
Net Cash From Continuing Financing Activities		 45 6.70 11 14 5.07 54 11 -36 6.44 44 19
Net Change in Deposits		 62 8.10 11 14 7.48 52 8.85 -38 -5.66 45 19
Repurchase of Common Equity		 -0.28 -0.19 -0.61 -0.15 -1.42 -0.44 -0.08 -0.35 0.03 -0.03 -0.16
Payment of Dividends		 -0.20 -0.72 -0.33 -0.32 -0.32 -0.57 -0.38 -0.38 -0.50 -0.50 -0.63
Other Financing Activities, Net		 -0.41 0.23 0.90 0.36 -0.68 0.74 -0.47 0.07 -0.43 0.25 0.28
Cash Interest Paid		 3.38 4.10 4.96 5.39 5.70 5.56 5.70 5.80 5.67 5.53 5.68

Annual Balance Sheets for Magyar Bancorp

This table presents Magyar Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2015 9/30/2016 9/30/2017 9/30/2018 9/30/2019 9/30/2020 9/30/2021 9/30/2022 9/30/2023 9/30/2024 9/30/2025
Total Assets		 551 584 603 624 630 754 774 799 907 952 998
Cash and Due from Banks		 1.08 1.00 0.87 0.67 0.83 1.49 1.81 2.87 3.18 1.58 1.43
Interest Bearing Deposits at Other Banks		 17 21 21 15 21 60 73 28 69 24 5.66
Trading Account Securities		 59 58 63 56 46 30 71 101 96 95 88
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 620 689 773 849
Loans and Leases		 - - - - - - - 620 697 780 857
Allowance for Loan and Lease Losses		 - - - - - - - - 8.33 7.55 8.35
Accrued Investment Income		 1.70 1.71 1.93 2.18 2.13 4.03 3.53 3.48 4.34 5.06 5.80
Premises and Equipment, Net		 18 18 18 17 16 15 14 14 13 13 12
Other Assets		 34 30 27 25 26 40 25 30 32 41 35
Total Liabilities & Shareholders' Equity		 551 584 603 624 630 754 774 799 907 952 998
Total Liabilities		 504 537 554 573 576 697 676 700 803 841 879
Non-Interest Bearing Deposits		 466 493 515 530 530 618 640 668 755 797 814
Accrued Interest Payable		 0.10 0.12 0.11 0.19 0.19 0.19 0.09 0.09 0.44 0.89 0.97
Long-Term Debt		 32 36 32 36 36 67 - - 30 29 49
Other Long-Term Liabilities		 5.93 7.85 6.38 6.75 9.22 11 13 17 14 11 10
Total Equity & Noncontrolling Interests		 47 48 49 51 55 57 98 99 105 111 119
Total Preferred & Common Equity		 47 48 49 51 55 57 98 99 105 111 119
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 47 48 49 51 55 57 98 99 105 111 119
Common Stock		 26 26 26 26 26 26 64 64 63 63 63
Retained Earnings		 23 24 26 28 31 33 39 46 52 59 67
Treasury Stock		 -1.17 -1.15 -1.15 -1.15 -1.15 -1.24 -1.24 -5.79 -5.36 -7.36 -7.84
Accumulated Other Comprehensive Income / (Loss)		 -1.00 -1.16 -1.00 -1.47 -1.33 -1.36 -0.95 -2.11 -1.79 -0.92 -0.52
Other Equity Adjustments		 -0.75 -0.63 -0.49 -0.36 -0.21 -0.07 -3.24 -3.17 -3.10 -2.97 -2.87

Quarterly Balance Sheets for Magyar Bancorp

This table presents Magyar Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 12/31/2024 3/31/2025 6/30/2025 12/31/2025 3/31/2026
Total Assets		 917 929 944 1,008 1,022 987 1,045 1,068
Cash and Due from Banks		 3.13 3.41 3.27 2.85 2.22 1.97 2.06 17
Interest Bearing Deposits at Other Banks		 48 47 46 56 71 5.08 32 31
Trading Account Securities		 97 95 95 98 94 91 93 99
Loans and Leases, Net of Allowance		 721 734 752 798 801 836 868 870
Loans and Leases		 729 742 759 805 809 844 876 878
Allowance for Loan and Lease Losses		 7.68 7.69 7.74 7.86 7.94 8.06 8.42 8.60
Accrued Investment Income		 4.59 4.75 4.82 5.23 5.26 5.37 5.59 5.88
Premises and Equipment, Net		 13 12 12 13 13 12 12 12
Other Assets		 31 32 32 36 36 36 33 34
Total Liabilities & Shareholders' Equity		 917 929 944 1,008 1,022 987 1,045 1,068
Total Liabilities		 810 821 835 897 908 871 924 944
Non-Interest Bearing Deposits		 764 775 789 849 858 820 859 878
Accrued Interest Payable		 0.66 0.69 0.85 0.79 0.73 0.75 1.14 1.18
Long-Term Debt		 - - - 30 34 36 49 49
Other Long-Term Liabilities		 17 17 12 12 11 9.79 14 11
Total Equity & Noncontrolling Interests		 107 108 109 112 114 116 122 124
Total Preferred & Common Equity		 107 108 109 112 114 116 122 124
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 107 108 109 112 114 116 122 124
Common Stock		 63 63 63 63 64 64 64 64
Retained Earnings		 53 55 56 60 62 65 69 72
Treasury Stock		 -5.55 -6.16 -6.32 -7.78 -7.86 -8.21 -7.87 -8.03
Accumulated Other Comprehensive Income / (Loss)		 -1.35 -1.41 -1.42 -1.10 -0.90 -0.81 -0.43 -0.47
Other Equity Adjustments		 -3.05 -3.02 -3.00 -2.95 -2.92 -2.89 -2.84 -2.82

Annual Metrics And Ratios for Magyar Bancorp

This table displays calculated financial ratios and metrics derived from Magyar Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 9/30/2015 9/30/2016 9/30/2017 9/30/2018 9/30/2019 9/30/2020 9/30/2021 9/30/2022 9/30/2023 9/30/2024 9/30/2025
DEI Shares Outstanding		 5,819,494.00 5,820,746.00 5,820,746.00 5,820,746.00 5,820,746.00 5,810,746.00 7,098,070.00 7,097,825.00 6,662,098.00 6,653,933.00 6,653,933.00
DEI Adjusted Shares Outstanding		 7,107,348.00 7,108,877.00 7,108,877.00 7,108,877.00 7,108,877.00 7,096,664.00 7,098,070.00 7,097,825.00 6,662,098.00 6,653,933.00 6,653,933.00
DEI Earnings Per Adjusted Shares Outstanding		 0.13 0.15 0.20 0.29 0.42 0.31 0.86 1.12 1.16 1.17 1.47
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.14% 4.57% 5.98% 8.01% 3.24% 2.67% 25.36% 2.55% 2.29% -0.44% 16.84%
EBITDA Growth		 21.40% 13.67% 25.37% 31.46% 16.48% -22.25% 138.88% 25.41% -3.94% -9.06% 33.71%
EBIT Growth		 72.60% 33.97% 37.72% 44.85% 21.71% -26.99% 180.46% 28.01% -3.83% -9.66% 37.37%
NOPAT Growth		 56.27% 21.63% 30.43% 42.66% 47.59% -26.90% 179.45% 29.40% -2.65% 0.96% 25.40%
Net Income Growth		 56.27% 21.63% 30.43% 42.66% 47.59% -26.90% 179.45% 29.40% -2.65% 0.96% 25.40%
EPS Growth		 50.00% 26.67% 26.32% 45.83% 45.71% -26.90% 0.00% 0.00% 2.56% 2.50% 26.83%
Operating Cash Flow Growth		 124.71% -31.91% -57.70% 28.35% 25.25% -85.94% 1,037.47% 20.97% -24.26% -25.53% 64.43%
Free Cash Flow Firm Growth		 -159.80% -372.27% 186.74% -191.32% 72.58% -3,159.92% 130.04% 57.61% -184.31% 123.84% -739.97%
Invested Capital Growth		 2.40% 7.03% -2.87% 6.79% 4.55% 36.79% -2.63% -5.68% 17.68% 3.58% 20.69%
Revenue Q/Q Growth		 -0.97% 1.34% 2.12% 33.71% -18.40% 2.25% 3.52% 2.85% -0.71% -0.45% 4.58%
EBITDA Q/Q Growth		 7.05% 3.81% 7.78% 2.53% -23.20% 5.41% 11.20% 9.98% -4.79% -3.26% 8.56%
EBIT Q/Q Growth		 20.63% 4.78% 11.13% 2.52% -26.20% -0.26% 15.12% 11.07% -5.05% -3.60% 9.43%
NOPAT Q/Q Growth		 17.41% 2.73% 10.57% -21.74% -37.61% 0.23% 14.74% 11.57% -3.08% 4.82% -0.19%
Net Income Q/Q Growth		 17.41% 2.73% 10.57% 43.36% -8.66% 0.23% 14.74% 11.57% -3.08% 4.82% -0.19%
EPS Q/Q Growth		 7.14% 11.76% 4.35% 0.00% -8.93% 0.23% 0.00% 12.50% -3.23% 1.65% -0.64%
Operating Cash Flow Q/Q Growth		 22.70% -40.74% 177.21% -26.49% 95.44% -61.59% 41.73% 5.65% -7.50% -32.74% 23.71%
Free Cash Flow Firm Q/Q Growth		 -127.29% -293.46% -58.86% 78.43% -88.58% -92.61% -73.79% 189.10% 48.20% -83.59% -281.09%
Invested Capital Q/Q Growth		 -12.81% -5.40% 1.03% -12.52% -13.18% 1.00% 30.71% -1.84% -9.43% 1.10% 10.18%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 13.16% 14.31% 16.93% 20.60% 23.25% 17.60% 33.55% 41.03% 38.53% 35.19% 40.27%
EBIT Margin		 7.19% 9.21% 11.96% 16.04% 18.91% 13.45% 30.09% 37.56% 35.31% 32.04% 37.67%
Profit (Net Income) Margin		 4.92% 5.72% 7.04% 9.30% 13.30% 9.47% 21.11% 26.63% 25.35% 25.70% 27.59%
Tax Burden Percent		 68.47% 62.17% 58.87% 57.98% 70.31% 70.40% 70.14% 70.90% 71.77% 70.12% 70.68%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 114.40% 103.60%
Effective Tax Rate		 31.53% 37.83% 41.13% 42.02% 29.69% 29.60% 29.86% 29.10% 28.23% 29.88% 29.32%
Return on Invested Capital (ROIC)		 1.16% 1.35% 1.72% 2.41% 3.37% 2.04% 4.99% 6.74% 6.21% 5.69% 6.36%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.16% 1.35% 1.72% 2.41% 3.37% 2.04% 4.99% 6.74% 6.21% 5.69% 6.36%
Return on Net Nonoperating Assets (RNNOA)		 0.78% 0.96% 1.21% 1.61% 2.28% 1.89% 2.93% 1.34% 1.38% 1.54% 2.15%
Return on Equity (ROE)		 1.94% 2.31% 2.93% 4.03% 5.65% 3.93% 7.92% 8.07% 7.58% 7.23% 8.51%
Cash Return on Invested Capital (CROIC)		 -1.21% -5.44% 4.63% -4.15% -1.08% -29.04% 7.65% 12.58% -10.04% 2.17% -12.39%
Operating Return on Assets (OROA)		 0.24% 0.31% 0.41% 0.57% 0.68% 0.45% 1.14% 1.42% 1.26% 1.04% 1.37%
Return on Assets (ROA)		 0.17% 0.19% 0.24% 0.33% 0.48% 0.32% 0.80% 1.01% 0.90% 0.84% 1.00%
Return on Common Equity (ROCE)		 1.94% 2.31% 2.93% 4.03% 5.65% 3.93% 7.92% 8.07% 7.58% 7.23% 8.51%
Return on Equity Simple (ROE_SIMPLE)		 1.92% 2.29% 2.88% 3.95% 5.48% 3.85% 6.27% 8.04% 7.36% 7.04% 8.21%
Net Operating Profit after Tax (NOPAT)		 0.90 1.09 1.42 2.03 3.00 2.19 6.12 7.92 7.71 7.78 9.76
NOPAT Margin		 4.92% 5.72% 7.04% 9.30% 13.30% 9.47% 21.11% 26.63% 25.35% 25.70% 27.59%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 63.05% 61.35% 61.37% 60.53% 61.09% 59.95% 49.57% 50.61% 52.77% 52.98% 48.30%
Operating Expenses to Revenue		 85.88% 83.63% 81.39% 79.39% 78.12% 79.35% 64.29% 61.41% 63.43% 67.36% 60.48%
Earnings before Interest and Taxes (EBIT)		 1.31 1.76 2.42 3.50 4.26 3.11 8.73 11 11 9.70 13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.40 2.73 3.42 4.50 5.24 4.07 9.73 12 12 11 14
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.16 1.17 1.37 1.31 1.19 0.81 0.67 0.83 0.61 0.69 0.90
Price to Tangible Book Value (P/TBV)		 1.16 1.17 1.37 1.31 1.19 0.81 0.67 0.83 0.61 0.69 0.90
Price to Revenue (P/Rev)		 2.98 2.93 3.36 3.09 2.88 2.00 2.27 2.75 2.10 2.52 3.03
Price to Earnings (P/E)		 60.48 51.21 47.66 33.17 21.68 21.08 10.74 10.31 8.28 11.94 11.56
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.74% 2.01% 2.16% 1.69%
Earnings Yield		 1.65% 1.95% 2.10% 3.02% 4.61% 4.74% 9.31% 9.70% 12.07% 8.37% 8.65%
Enterprise Value to Invested Capital (EV/IC)		 0.87 0.84 0.95 1.01 0.88 0.42 0.12 0.58 0.16 0.57 0.89
Enterprise Value to Revenue (EV/Rev)		 3.72 3.68 3.83 4.01 3.54 2.24 0.48 2.23 0.69 2.62 4.22
Enterprise Value to EBITDA (EV/EBITDA)		 28.22 25.70 22.63 19.46 15.21 12.73 1.43 5.44 1.78 7.44 10.47
Enterprise Value to EBIT (EV/EBIT)		 51.71 39.94 32.02 24.99 18.70 16.66 1.59 5.94 1.94 8.17 11.19
Enterprise Value to NOPAT (EV/NOPAT)		 75.51 64.25 54.39 43.10 26.59 23.67 2.27 8.38 2.70 10.18 15.29
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.42 8.23 21.49 18.93 13.76 63.69 1.50 5.92 2.46 12.54 14.36
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 20.23 0.00 0.00 0.00 1.48 4.48 0.00 26.66 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.68 0.76 0.65 0.69 0.66 1.19 0.24 0.16 0.28 0.26 0.41
Long-Term Debt to Equity		 0.68 0.76 0.65 0.69 0.66 1.19 0.00 0.00 0.28 0.26 0.41
Financial Leverage		 0.67 0.72 0.70 0.67 0.68 0.93 0.59 0.20 0.22 0.27 0.34
Leverage Ratio		 11.67 12.02 12.22 12.17 11.83 12.42 9.89 8.02 8.39 8.63 8.50
Compound Leverage Factor		 11.67 12.02 12.22 12.17 11.83 12.42 9.89 8.02 8.39 9.88 8.81
Debt to Total Capital		 40.37% 43.03% 39.21% 40.89% 39.84% 54.25% 19.30% 13.69% 21.98% 20.54% 29.22%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 19.30% 13.69% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 40.37% 43.03% 39.21% 40.89% 39.84% 54.25% 0.00% 0.00% 21.98% 20.54% 29.22%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 59.63% 56.97% 60.79% 59.11% 60.16% 45.75% 80.70% 86.31% 78.02% 79.46% 70.78%
Debt to EBITDA		 13.16 13.21 9.33 7.90 6.91 16.55 2.40 1.28 2.52 2.68 3.44
Net Debt to EBITDA		 5.62 5.22 2.80 4.48 2.81 1.40 -5.33 -1.26 -3.67 0.28 2.95
Long-Term Debt to EBITDA		 13.16 13.21 9.33 7.90 6.91 16.55 0.00 0.00 2.52 2.68 3.44
Debt to NOPAT		 35.22 33.03 22.42 17.50 12.08 30.78 3.82 1.97 3.83 3.67 5.03
Net Debt to NOPAT		 15.03 13.05 6.73 9.93 4.91 2.60 -8.47 -1.93 -5.58 0.38 4.30
Long-Term Debt to NOPAT		 35.22 33.03 22.42 17.50 12.08 30.78 0.00 0.00 3.83 3.67 5.03
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -0.93 -4.41 3.83 -3.49 -0.96 -31 9.38 15 -12 2.97 -19
Operating Cash Flow to CapEx		 15,063.86% 4,626.63% 1,204.35% 1,627.46% 10,922.64% 0.00% 2,204.52% 330.71% 2,745.63% 17,550.00% 1,809.93%
Free Cash Flow to Firm to Interest Expense		 -0.29 -1.25 1.01 -0.75 -0.14 -5.66 3.19 5.95 -1.21 0.14 -0.83
Operating Cash Flow to Interest Expense		 3.91 2.41 0.95 0.99 0.86 0.15 3.15 4.51 0.82 0.31 0.46
Operating Cash Flow Less CapEx to Interest Expense		 3.89 2.36 0.88 0.93 0.85 0.25 3.01 3.15 0.79 0.31 0.43
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.04 0.04 0.03 0.04 0.04 0.04 0.03 0.04
Fixed Asset Turnover		 1.00 1.06 1.13 1.26 1.36 1.50 1.99 2.11 2.23 2.34 2.86
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 78 84 81 87 91 124 121 114 134 139 168
Invested Capital Turnover		 0.24 0.24 0.24 0.26 0.25 0.22 0.24 0.25 0.24 0.22 0.23
Increase / (Decrease) in Invested Capital		 1.83 5.50 -2.40 5.52 3.95 33 -3.26 -6.87 20 4.81 29
Enterprise Value (EV)		 68 70 77 87 80 52 14 66 21 79 149
Market Capitalization		 54 56 68 67 65 46 66 82 64 76 107
Book Value per Share		 $8.02 $8.20 $8.50 $8.82 $9.39 $9.78 $13.76 $13.88 $15.73 $17.43 $19.10
Tangible Book Value per Share		 $8.02 $8.20 $8.50 $8.82 $9.39 $9.78 $13.76 $13.88 $15.73 $17.43 $19.10
Total Capital		 78 84 81 87 91 124 121 114 134 139 168
Total Debt		 32 36 32 36 36 67 23 16 30 29 49
Total Long-Term Debt		 32 36 32 36 36 67 0.00 0.00 30 29 49
Net Debt		 13 14 9.57 20 15 5.68 -52 -15 -43 2.97 42
Capital Expenditures (CapEx)		 0.08 0.18 0.30 0.28 0.05 -0.56 0.42 3.39 0.31 0.04 0.57
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 32 36 32 36 36 67 23 16 30 29 49
Total Depreciation and Amortization (D&A)		 1.09 0.97 1.00 1.00 0.98 0.96 1.00 1.03 0.98 0.95 0.92
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.12 $0.16 $0.20 $0.29 $0.42 $0.31 $1.01 $1.17 $1.20 $1.23 $1.57
Adjusted Weighted Average Basic Shares Outstanding		 7.11M 7.11M 7.11M 7.11M 7.11M 7.10M 7.10M 6.78M 6.42M 6.34M 6.22M
Adjusted Diluted Earnings per Share		 $0.12 $0.16 $0.20 $0.29 $0.42 $0.31 $1.01 $0.00 $1.20 $1.23 $1.56
Adjusted Weighted Average Diluted Shares Outstanding		 7.11M 7.11M 7.11M 7.11M 7.11M 7.10M 7.10M 6.74M 6.42M 6.34M 6.24M
Adjusted Basic & Diluted Earnings per Share		 $0.12 $0.16 $0.20 $0.29 $0.42 $0.31 $1.01 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.11M 7.11M 7.11M 7.11M 7.11M 7.10M 6.04M 6.74M 6.66M 6.48M 6.48M
Normalized Net Operating Profit after Tax (NOPAT)		 0.90 1.09 1.42 2.03 3.00 2.19 6.12 7.92 7.71 7.78 9.76
Normalized NOPAT Margin		 4.92% 5.72% 7.04% 9.30% 13.30% 9.47% 21.11% 26.63% 25.35% 25.70% 27.59%
Pre Tax Income Margin		 7.19% 9.21% 11.96% 16.04% 18.91% 13.45% 30.09% 37.56% 35.31% 36.66% 39.03%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.41 0.50 0.64 0.75 0.64 0.56 2.97 4.50 1.04 0.47 0.58
NOPAT to Interest Expense		 0.28 0.31 0.38 0.44 0.45 0.40 2.08 3.19 0.75 0.38 0.43
EBIT Less CapEx to Interest Expense		 0.38 0.44 0.56 0.69 0.63 0.67 2.82 3.13 1.01 0.47 0.56
NOPAT Less CapEx to Interest Expense		 0.25 0.26 0.30 0.38 0.44 0.50 1.94 1.82 0.72 0.38 0.40
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 18.02% 17.06% 21.57% 18.68%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 4.11% 53.46% 75.49% 32.84% 52.08% 27.33%

Quarterly Metrics And Ratios for Magyar Bancorp

This table displays calculated financial ratios and metrics derived from Magyar Bancorp's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 6,662,098.00 6,662,098.00 6,653,933.00 6,653,933.00 6,653,933.00 6,653,933.00 6,653,933.00 6,653,933.00 6,653,933.00 6,653,933.00 6,477,991.00
DEI Adjusted Shares Outstanding		 6,662,098.00 6,662,098.00 6,653,933.00 6,653,933.00 6,653,933.00 6,653,933.00 6,653,933.00 6,653,933.00 6,653,933.00 6,653,933.00 6,477,991.00
DEI Earnings Per Adjusted Shares Outstanding		 0.33 0.25 0.29 0.25 0.38 0.31 0.40 0.37 0.38 0.47 0.47
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -2.68% 4.87% -0.42% -4.39% -1.75% 6.97% 21.19% 22.66% 20.11% 14.94% 10.33%
EBITDA Growth		 -15.98% -5.46% -2.86% -15.83% -11.60% 16.64% 45.83% 48.03% 41.07% 42.77% 11.35%
EBIT Growth		 -16.65% -5.44% -2.90% -17.00% -12.66% 18.01% 50.38% 53.56% 46.02% 47.99% 13.03%
NOPAT Growth		 -10.08% -8.73% 5.62% -11.84% 16.38% 26.21% 41.33% 46.07% -0.75% 50.41% 13.02%
Net Income Growth		 -10.08% -8.73% 5.62% -11.84% 16.38% 26.21% 41.33% 46.07% -0.75% 50.41% 13.02%
EPS Growth		 -5.56% -7.14% 7.14% -10.00% 17.65% 26.92% 43.33% 48.15% -2.50% 51.52% 11.63%
Operating Cash Flow Growth		 -14.90% 141.50% -80.77% 391.55% -78.25% -9.80% 330.38% 33.75% 232.87% 26.38% 35.80%
Free Cash Flow Firm Growth		 -293.47% 49.71% -23.29% 141.10% 87.40% -15.84% -16.17% -199.39% -1,057.67% -446.28% -141.33%
Invested Capital Growth		 17.68% 4.39% 7.68% -7.20% 3.58% 5.00% 8.64% 10.73% 20.69% 20.20% 16.86%
Revenue Q/Q Growth		 4.38% 0.17% -3.92% -4.82% 7.27% 9.05% 8.86% -3.67% 5.04% 4.36% 4.50%
EBITDA Q/Q Growth		 4.91% -13.24% 2.35% -9.64% 10.19% 14.47% 27.96% -5.94% 5.00% 15.85% -0.20%
EBIT Q/Q Growth		 5.65% -14.34% 2.53% -10.55% 11.18% 15.74% 30.66% -6.18% 5.71% 17.31% -0.21%
NOPAT Q/Q Growth		 13.92% -24.39% 14.83% -10.86% 50.38% -18.01% 28.59% -7.87% 2.19% 24.25% -3.38%
Net Income Q/Q Growth		 13.92% -24.39% 14.83% -10.86% 50.38% -18.01% 28.59% -7.87% 2.19% 24.25% -3.38%
EPS Q/Q Growth		 13.33% -23.53% 15.38% -10.00% 48.15% -17.50% 30.30% -6.98% -2.50% 28.21% -4.00%
Operating Cash Flow Q/Q Growth		 1,046.06% -17.99% -82.85% 204.88% -49.29% 240.12% -18.16% -5.25% 26.21% 29.13% -12.05%
Free Cash Flow Firm Q/Q Growth		 40.24% 77.55% -93.94% 257.95% -118.33% -106.35% -94.49% -35.14% -113.46% 2.63% 14.08%
Invested Capital Q/Q Growth		 -9.43% 0.77% 0.81% 0.86% 1.10% 2.15% 4.30% 2.81% 10.18% 1.73% 1.41%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 39.49% 34.20% 36.43% 34.59% 35.53% 37.30% 43.84% 41.75% 41.73% 46.33% 44.25%
EBIT Margin		 36.47% 31.19% 33.28% 31.28% 32.42% 34.40% 41.29% 39.16% 39.41% 44.30% 42.30%
Profit (Net Income) Margin		 27.87% 21.04% 25.14% 23.55% 33.01% 24.82% 29.32% 28.04% 27.28% 32.48% 30.03%
Tax Burden Percent		 76.43% 70.24% 78.29% 77.14% 61.53% 72.15% 71.00% 71.10% 68.79% 73.32% 70.99%
Interest Burden Percent		 100.00% 96.04% 96.50% 97.60% 165.52% 100.00% 100.00% 100.72% 100.63% 100.00% 100.00%
Effective Tax Rate		 23.57% 29.76% 21.71% 22.86% 38.47% 27.85% 29.00% 28.90% 31.21% 26.68% 29.01%
Return on Invested Capital (ROIC)		 6.82% 4.89% 5.88% 5.01% 7.31% 5.52% 6.68% 6.54% 6.29% 7.61% 7.02%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.82% 4.89% 5.88% 5.01% 7.31% 5.52% 6.68% 6.54% 6.29% 7.61% 7.02%
Return on Net Nonoperating Assets (RNNOA)		 1.52% 1.39% 1.53% 1.75% 1.97% 1.50% 1.89% 1.88% 2.13% 2.59% 2.44%
Return on Equity (ROE)		 8.34% 6.27% 7.41% 6.76% 9.29% 7.01% 8.57% 8.42% 8.42% 10.20% 9.47%
Cash Return on Invested Capital (CROIC)		 -10.04% 1.40% -1.58% 12.67% 2.17% 1.05% -1.96% -3.44% -12.39% -11.44% -8.61%
Operating Return on Assets (OROA)		 1.30% 1.10% 1.16% 1.06% 1.06% 1.10% 1.37% 1.37% 1.43% 1.58% 1.52%
Return on Assets (ROA)		 0.99% 0.75% 0.87% 0.80% 1.08% 0.80% 0.97% 0.98% 0.99% 1.16% 1.08%
Return on Common Equity (ROCE)		 8.34% 6.27% 7.41% 6.76% 9.29% 7.01% 8.57% 8.42% 8.42% 10.20% 9.47%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 7.09% 7.11% 6.81% 0.00% 7.36% 7.87% 8.41% 0.00% 8.88% 8.99%
Net Operating Profit after Tax (NOPAT)		 2.19 1.65 1.90 1.69 2.54 2.09 2.68 2.47 2.52 3.14 3.03
NOPAT Margin		 27.87% 21.04% 25.14% 23.55% 33.01% 24.82% 29.32% 28.04% 27.28% 32.48% 30.03%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.76% 52.18% 56.50% 55.22% 48.24% 51.07% 47.21% 46.98% 42.63% 44.12% 44.49%
Operating Expenses to Revenue		 64.17% 63.92% 67.70% 68.04% 69.88% 64.39% 59.03% 59.48% 57.85% 55.46% 55.16%
Earnings before Interest and Taxes (EBIT)		 2.86 2.45 2.51 2.25 2.50 2.89 3.78 3.45 3.65 4.28 4.27
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.10 2.69 2.75 2.48 2.74 3.13 4.01 3.68 3.86 4.47 4.46
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.61 0.66 0.65 0.64 0.69 0.79 0.74 0.89 0.90 0.88 0.87
Price to Tangible Book Value (P/TBV)		 0.61 0.66 0.65 0.64 0.69 0.79 0.74 0.89 0.90 0.88 0.87
Price to Revenue (P/Rev)		 2.10 2.27 2.26 2.29 2.52 2.87 2.60 3.06 3.03 2.93 2.88
Price to Earnings (P/E)		 8.28 9.15 8.87 9.08 11.94 13.16 11.38 13.41 11.56 10.38 10.14
Dividend Yield		 2.01% 1.82% 2.02% 2.19% 2.16% 0.00% 1.55% 1.57% 1.69% 0.00% 1.74%
Earnings Yield		 12.07% 10.92% 11.28% 11.02% 8.37% 7.60% 8.79% 7.46% 8.65% 9.64% 9.86%
Enterprise Value to Invested Capital (EV/IC)		 0.16 0.35 0.35 0.36 0.57 0.42 0.31 0.82 0.89 0.72 0.63
Enterprise Value to Revenue (EV/Rev)		 0.69 1.55 1.57 1.61 2.62 1.96 1.40 3.71 4.22 3.33 2.92
Enterprise Value to EBITDA (EV/EBITDA)		 1.78 4.12 4.21 4.46 7.44 5.43 3.67 9.55 10.47 7.84 6.84
Enterprise Value to EBIT (EV/EBIT)		 1.94 4.50 4.59 4.88 8.17 5.95 3.98 10.29 11.19 8.30 7.22
Enterprise Value to NOPAT (EV/NOPAT)		 2.70 6.32 6.31 6.61 10.18 7.34 5.04 12.82 15.29 11.30 9.83
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.46 4.60 6.00 5.23 12.54 10.05 5.80 14.93 14.36 10.95 9.14
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 25.66 0.00 2.71 26.66 41.59 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.28 0.27 0.27 0.26 0.26 0.27 0.30 0.31 0.41 0.40 0.40
Long-Term Debt to Equity		 0.28 0.00 0.00 0.00 0.26 0.27 0.30 0.31 0.41 0.40 0.40
Financial Leverage		 0.22 0.28 0.26 0.35 0.27 0.27 0.28 0.29 0.34 0.34 0.35
Leverage Ratio		 8.39 8.42 8.47 8.51 8.63 8.82 8.79 8.57 8.50 8.80 8.77
Compound Leverage Factor		 8.39 8.09 8.17 8.30 14.29 8.82 8.79 8.63 8.55 8.80 8.77
Debt to Total Capital		 21.98% 21.28% 21.11% 20.76% 20.54% 21.41% 22.89% 23.66% 29.22% 28.72% 28.32%
Short-Term Debt to Total Capital		 0.00% 21.28% 21.11% 20.76% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 21.98% 0.00% 0.00% 0.00% 20.54% 21.41% 22.89% 23.66% 29.22% 28.72% 28.32%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.02% 78.72% 78.89% 79.24% 79.46% 78.59% 77.11% 76.34% 70.78% 71.28% 71.68%
Debt to EBITDA		 2.52 2.49 2.51 2.59 2.68 2.74 2.74 2.75 3.44 3.15 3.06
Net Debt to EBITDA		 -3.67 -1.93 -1.85 -1.86 0.28 -2.53 -3.16 1.67 2.95 0.96 0.09
Long-Term Debt to EBITDA		 2.52 0.00 0.00 0.00 2.68 2.74 2.74 2.75 3.44 3.15 3.06
Debt to NOPAT		 3.83 3.81 3.76 3.85 3.67 3.70 3.77 3.69 5.03 4.54 4.40
Net Debt to NOPAT		 -5.58 -2.96 -2.77 -2.76 0.38 -3.42 -4.34 2.24 4.30 1.38 0.13
Long-Term Debt to NOPAT		 3.83 0.00 0.00 0.00 3.67 3.70 3.77 3.69 5.03 4.54 4.40
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -18 -4.04 -7.84 12 -2.27 -4.68 -9.10 -12 -26 -26 -22
Operating Cash Flow to CapEx		 5,780.88% 0.00% 442.40% 1,195.74% 204.55% 775.47% 2,333.33% 5,011.11% 5,473.08% 91,875.00% 982.37%
Free Cash Flow to Firm to Interest Expense		 -4.99 -0.94 -1.57 2.23 -0.39 -0.86 -1.61 -2.12 -4.46 -4.49 -3.84
Operating Cash Flow to Interest Expense		 1.09 0.75 0.11 0.30 0.15 0.53 0.42 0.39 0.48 0.64 0.56
Operating Cash Flow Less CapEx to Interest Expense		 1.07 0.90 0.09 0.28 0.08 0.46 0.40 0.38 0.47 0.64 0.51
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.23 2.35 2.36 2.35 2.34 2.45 2.60 2.74 2.86 2.97 3.05
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 134 135 136 138 139 142 148 152 168 171 173
Invested Capital Turnover		 0.24 0.23 0.23 0.21 0.22 0.22 0.23 0.23 0.23 0.23 0.23
Increase / (Decrease) in Invested Capital		 20 5.69 9.73 -11 4.81 6.77 12 15 29 29 25
Enterprise Value (EV)		 21 48 48 49 79 60 45 125 149 122 110
Market Capitalization		 64 70 69 70 76 88 84 103 107 107 108
Book Value per Share		 $15.73 $16.68 $16.18 $17.21 $17.43 $17.92 $18.37 $18.71 $19.10 $19.59 $19.17
Tangible Book Value per Share		 $15.73 $16.68 $16.18 $17.21 $17.43 $17.92 $18.37 $18.71 $19.10 $19.59 $19.17
Total Capital		 134 135 136 138 139 142 148 152 168 171 173
Total Debt		 30 29 29 29 29 30 34 36 49 49 49
Total Long-Term Debt		 30 0.00 0.00 0.00 29 30 34 36 49 49 49
Net Debt		 -43 -22 -21 -20 2.97 -28 -39 22 42 15 1.41
Capital Expenditures (CapEx)		 0.07 -0.65 0.13 0.14 0.42 0.38 0.10 0.05 0.05 0.00 0.33
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 30 29 29 29 29 30 34 36 49 49 49
Total Depreciation and Amortization (D&A)		 0.24 0.24 0.24 0.24 0.24 0.24 0.23 0.23 0.22 0.20 0.20
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.34 $0.26 $0.30 $0.27 $0.40 $0.34 $0.43 $0.40 $0.40 $0.51 $0.49
Adjusted Weighted Average Basic Shares Outstanding		 6.42M 6.39M 6.37M 6.34M 6.34M 6.23M 6.22M 6.22M 6.22M 6.21M 6.22M
Adjusted Diluted Earnings per Share		 $0.34 $0.26 $0.30 $0.27 $0.40 $0.34 $0.43 $0.40 $0.39 $0.50 $0.48
Adjusted Weighted Average Diluted Shares Outstanding		 6.42M 6.39M 6.37M 6.34M 6.34M 6.23M 6.23M 6.23M 6.24M 6.28M 6.29M
Adjusted Basic & Diluted Earnings per Share		 $0.34 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.66M 6.65M 6.59M 6.49M 6.48M 0.00 0.00 0.00 6.48M 6.48M 6.46M
Normalized Net Operating Profit after Tax (NOPAT)		 2.19 1.65 1.90 1.69 2.54 2.09 2.68 2.47 2.52 3.14 3.03
Normalized NOPAT Margin		 27.87% 21.04% 25.14% 23.55% 33.01% 24.82% 29.32% 28.04% 27.28% 32.48% 30.03%
Pre Tax Income Margin		 36.47% 29.95% 32.11% 30.53% 53.65% 34.40% 41.29% 39.44% 39.66% 44.30% 42.30%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.79 0.57 0.50 0.41 0.43 0.53 0.67 0.59 0.62 0.75 0.75
NOPAT to Interest Expense		 0.61 0.38 0.38 0.31 0.44 0.38 0.47 0.43 0.43 0.55 0.53
EBIT Less CapEx to Interest Expense		 0.77 0.72 0.48 0.38 0.36 0.46 0.65 0.59 0.61 0.75 0.69
NOPAT Less CapEx to Interest Expense		 0.59 0.53 0.35 0.28 0.37 0.31 0.46 0.42 0.42 0.55 0.47
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 17.06% 17.04% 18.74% 21.02% 21.57% 18.65% 17.57% 16.77% 18.68% 16.24% 18.00%
Augmented Payout Ratio		 32.84% 35.35% 35.64% 37.59% 52.08% 50.52% 40.83% 40.19% 27.33% 20.32% 22.62%

Financials Breakdown Chart

Key Financial Trends

Magyar Bancorp (NASDAQ: MGYR) posted a solid second quarter in fiscal 2026, with earnings holding up well and balance sheet growth continuing, though deposit trends and cash generation were less clean than the headline profit number suggests.

For Q2 2026, MGYR reported net income of $3.0 million, up modestly from $3.14 million in Q1 2026 and above $2.68 million in Q2 2025. Basic EPS was $0.49, compared with $0.51 in Q1 2026 and $0.43 a year ago. Revenue rose to $10.1 million, up from $9.7 million in the prior quarter and $9.1 million in the year-ago period.

The bank’s core spread income improved. Net interest income increased to $9.23 million from $8.86 million in Q1 2026 and $7.88 million in Q2 2025. That was driven by higher interest income on loans and leases, which climbed to $13.66 million, while interest expense remained elevated but manageable. On the noninterest side, total noninterest income also improved sequentially to $857,000.

MGYR continued to grow its loan book and overall asset base. Total assets reached $1.069 billion, up from $1.045 billion at Q1 2026 and $1.022 billion at Q2 2025. Net loans and leases rose to $869.6 million, while retained earnings also increased, reflecting continued profitability. Equity improved to $124.2 million from $121.7 million in the prior quarter.

Cash flow was more mixed. Operating cash flow came in at $3.23 million in Q2 2026, down from $3.68 million in Q1 2026 but up from $2.38 million in Q2 2025. The bigger issue was financing and deposit volatility: deposits rose $19.4 million in Q2, but that followed a strong Q1 inflow and some earlier swings, showing funding remains active rather than perfectly steady. Cash and due from banks also increased sharply quarter over quarter, which helps liquidity, but the bank is clearly managing a changing funding mix.

Here are the key takeaways for investors:

  • Net income remained strong at $3.0 million, showing continued profitability.
  • Net interest income improved sequentially and year over year, supporting core banking earnings.
  • Total assets grew to $1.07 billion, indicating ongoing balance sheet expansion.
  • Loan balances increased, which supports future interest income if credit quality holds.
  • Equity increased to $124.2 million, adding to the company’s capital base.
  • Noninterest income improved modestly, but it remains a relatively small part of revenue.
  • Operating cash flow was positive, though lower than the prior quarter.
  • Dividend coverage appears reasonable given quarterly earnings and a $0.10 per-share dividend.
  • Interest expense remains elevated, which can pressure margins if funding costs stay high.
  • Deposit flows have been volatile, suggesting ongoing funding management risk.

Bottom line: MGYR looks like a conservatively run community bank that is still growing and earning money, with decent loan growth and stable profitability. The main items to watch are deposit consistency, margin direction, and whether credit costs stay contained. For now, the quarter looks constructive but not explosive.

07/17/26 06:40 AM ETAI Generated. May Contain Errors.

Magyar Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Magyar Bancorp's fiscal year ends in September. Their fiscal year 2025 ended on September 30, 2025.

Magyar Bancorp's net income appears to be on an upward trend, with a most recent value of $9.76 million in 2025, rising from $897 thousand in 2015. The previous period was $7.78 million in 2024. See where experts think Magyar Bancorp is headed by visiting Magyar Bancorp's forecast page.

Over the last 10 years, Magyar Bancorp's total revenue changed from $18.23 million in 2015 to $35.61 million in 2025, a change of 95.3%.

Magyar Bancorp's total liabilities were at $878.82 million at the end of 2025, a 4.5% increase from 2024, and a 74.4% increase since 2015.

In the past 10 years, Magyar Bancorp's cash and equivalents has ranged from $674 thousand in 2018 to $3.18 million in 2023, and is currently $1.43 million as of their latest financial filing in 2025.

Over the last 10 years, Magyar Bancorp's book value per share changed from 8.02 in 2015 to 19.10 in 2025, a change of 138.2%.


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Financial statements for NASDAQ:MGYR last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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