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Magyar Bancorp (MGYR) Financials

Magyar Bancorp logo
$18.96 -0.12 (-0.63%)
Closing price 10/9/2026 04:00 PM Eastern
Extended Trading
$19.06 +0.10 (+0.53%)
As of 10/9/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.65 1.90 1.69 0.91 2.09 2.68 2.47 2.48 3.14 3.03 3.09
Consolidated Net Income / (Loss)		 1.65 1.90 1.69 2.54 2.09 2.68 2.47 2.52 3.14 3.03 3.09
Net Income / (Loss) Continuing Operations		 1.65 1.90 1.69 0.91 2.09 2.68 2.47 2.48 3.14 3.03 3.09
Total Pre-Tax Income 		2.35 2.42 2.19 4.13 2.89 3.78 3.47 3.67 4.28 4.27 4.35
Total Revenue		 7.85 7.55 7.19 7.70 8.40 9.14 8.81 9.25 9.66 10 10
Net Interest Income / (Expense)		 7.24 6.92 6.78 7.02 7.44 7.88 8.18 8.40 8.86 9.23 9.42
Total Interest Income		 12 12 12 13 13 14 14 14 15 15 15
Loans and Leases Interest Income		 10 11 11 12 12 12 13 13 14 14 14
Investment Securities Interest Income		 1.42 1.32 1.31 1.19 0.99 1.34 1.33 0.92 0.97 1.29 1.34
Total Interest Expense		 4.31 5.00 5.54 5.74 5.46 5.65 5.81 5.89 5.70 5.72 5.83
Deposits Interest Expense		 4.08 4.78 5.34 5.54 5.25 5.43 5.55 5.53 5.29 5.32 5.43
Long-Term Debt Interest Expense		 0.24 0.22 0.21 0.21 0.21 0.22 0.26 0.36 0.41 0.40 0.40
Total Non-Interest Income		 0.61 0.62 0.41 0.68 0.96 1.27 0.64 0.85 0.80 0.86 0.82
Other Service Charges		 0.33 0.32 0.30 0.27 0.33 0.49 0.46 0.40 0.37 0.40 0.34
Net Realized & Unrealized Capital Gains on Investments		 0.19 0.21 0.01 0.26 0.46 0.61 0.01 0.29 0.26 0.29 0.30
Other Non-Interest Income		 0.10 0.09 0.09 0.15 0.17 0.16 0.17 0.17 0.17 0.17 0.17
Provision for Credit Losses		 0.48 0.01 -0.05 -0.18 0.10 -0.03 0.10 0.25 0.02 0.26 0.35
Total Non-Interest Expense		 5.02 5.11 5.06 5.38 5.41 5.40 5.24 5.35 5.36 5.57 5.53
Salaries and Employee Benefits		 3.07 3.22 2.89 2.64 3.08 3.23 3.10 2.91 3.17 3.36 3.36
Net Occupancy & Equipment Expense		 0.93 0.95 0.97 0.97 1.08 0.97 0.92 0.96 0.98 1.01 0.99
Marketing Expense		 0.10 0.10 0.10 0.11 0.13 0.12 0.11 0.08 0.12 0.12 0.13
Property & Liability Insurance Claims		 0.10 0.11 0.11 0.11 0.11 0.11 0.12 0.12 0.12 0.12 0.12
Other Operating Expenses		 0.82 0.74 0.98 1.56 1.01 0.97 0.99 1.29 0.98 0.96 0.93
Income Tax Expense		 0.70 0.53 0.50 1.59 0.81 1.10 1.00 1.15 1.14 1.24 1.26
Basic Earnings per Share		 $0.26 $0.30 $0.27 $0.40 $0.34 $0.43 $0.40 $0.40 $0.51 $0.49 $0.50
Weighted Average Basic Shares Outstanding		 6.39M 6.37M 6.34M 6.34M 6.23M 6.22M 6.22M 6.22M 6.21M 6.22M 6.22M
Diluted Earnings per Share		 $0.26 $0.30 $0.27 $0.40 $0.33 $0.43 $0.40 $0.39 $0.50 $0.48 $0.49
Weighted Average Diluted Shares Outstanding		 6.39M 6.37M 6.34M 6.34M 6.24M 6.23M 6.23M 6.24M 6.28M 6.29M 6.29M
Weighted Average Basic & Diluted Shares Outstanding		 6.65M 6.59M 6.49M 6.48M - - 6.45M 6.48M 6.48M 6.46M 6.46M

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -21 -1.13 -0.94 -23 33 14 -66 0.04 27 14 -36
Net Cash From Operating Activities		 3.22 0.55 1.69 0.86 2.91 2.38 2.26 2.85 3.68 3.23 5.22
Net Cash From Continuing Operating Activities		 3.22 0.55 1.69 0.86 2.91 2.38 2.26 2.85 3.68 3.23 5.22
Net Income / (Loss) Continuing Operations		 1.65 1.90 1.69 2.54 2.09 2.68 2.47 2.53 3.14 3.03 3.09
Consolidated Net Income / (Loss)		 1.65 1.90 1.69 2.54 2.09 2.68 2.47 2.53 3.14 3.03 3.09
Provision For Loan Losses		 0.48 0.01 -0.05 -0.35 0.16 -0.03 0.10 0.23 0.02 0.26 0.35
Depreciation Expense		 0.22 0.22 0.22 0.23 0.24 0.24 0.23 0.23 0.21 0.21 0.22
Amortization Expense		 0.02 0.02 0.02 0.01 0.00 -0.00 -0.01 -0.01 -0.02 -0.02 -0.04
Non-Cash Adjustments to Reconcile Net Income		 1.01 3.03 -0.02 1.47 2.34 6.40 -0.22 12 3.16 2.66 3.02
Changes in Operating Assets and Liabilities, net		 -0.16 -4.62 -0.17 -3.05 -1.92 -6.91 -0.33 -12 -2.84 -2.91 -1.42
Net Cash From Investing Activities		 -31 -13 -17 -29 -24 0.62 -32 -9.25 -21 -8.56 -16
Net Cash From Continuing Investing Activities		 -31 -13 -17 -29 -24 0.62 -32 -9.25 -21 -8.56 -16
Purchase of Property, Leasehold Improvements and Equipment		 -0.13 -0.13 -0.14 -0.42 -0.38 -0.10 -0.05 -0.05 -0.00 -0.33 -0.46
Purchase of Investment Securities		 -36 -16 -22 -33 -30 -5.61 -37 -27 -25 -10 -18
Sale and/or Maturity of Investments		 3.98 3.18 5.30 4.27 6.74 6.33 5.48 17 3.99 2.08 2.34
Net Cash From Financing Activities		 6.70 11 14 5.07 54 11 -36 6.44 44 19 -25
Net Cash From Continuing Financing Activities		 6.70 11 14 5.07 54 11 -36 6.44 44 19 -25
Net Change in Deposits		 8.10 11 14 7.48 52 8.85 -38 -5.66 45 19 -25
Repurchase of Common Equity		 -0.19 -0.61 -0.15 -1.42 -0.44 -0.08 -0.35 0.03 -0.03 -0.16 -0.26
Payment of Dividends		 -0.72 -0.33 -0.32 -0.32 -0.57 -0.38 -0.38 -0.50 -0.50 -0.63 -0.64
Other Financing Activities, Net		 0.23 0.90 0.36 -0.68 0.74 -0.47 0.07 -0.43 0.25 0.28 0.18
Cash Interest Paid		 4.10 4.96 5.39 5.70 5.56 5.70 5.80 5.67 5.53 5.68 5.53
Cash Income Taxes Paid		 - - 0.70 0.60 - - 1.65 1.70 - - 1.00

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 Q3 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 6/30/2026
Total Assets		 917 929 944 1,008 1,022 987 1,045 1,068 1,049
Cash and Due from Banks		 3.13 3.41 3.27 2.85 2.22 1.97 2.06 17 2.03
Interest Bearing Deposits at Other Banks		 48 47 46 56 71 5.08 32 31 9.44
Trading Account Securities		 97 95 95 98 94 91 93 99 104
Loans and Leases, Net of Allowance		 721 734 752 798 801 836 868 870 880
Loans and Leases		 729 742 759 805 809 844 876 878 888
Allowance for Loan and Lease Losses		 7.68 7.69 7.74 7.86 7.94 8.06 8.42 8.60 8.49
Accrued Investment Income		 4.59 4.75 4.82 5.23 5.26 5.37 5.59 5.88 5.76
Premises and Equipment, Net		 13 12 12 13 13 12 12 12 12
Other Assets		 31 32 32 36 36 36 33 34 35
Total Liabilities & Shareholders' Equity		 917 929 944 1,008 1,022 987 1,045 1,068 1,049
Total Liabilities		 810 821 835 897 908 871 924 944 922
Non-Interest Bearing Deposits		 764 775 789 849 858 820 859 878 854
Accrued Interest Payable		 0.66 0.69 0.85 0.79 0.73 0.75 1.14 1.18 1.48
Long-Term Debt		 - - - 30 34 36 49 49 49
Other Long-Term Liabilities		 17 17 12 12 11 9.79 14 11 13
Total Equity & Noncontrolling Interests		 107 108 109 112 114 116 122 124 127
Total Preferred & Common Equity		 107 108 109 112 114 116 122 124 127
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 107 108 109 112 114 116 122 124 127
Common Stock		 63 63 63 63 64 64 64 64 64
Retained Earnings		 53 55 56 60 62 65 69 72 74
Treasury Stock		 -5.55 -6.16 -6.32 -7.78 -7.86 -8.21 -7.87 -8.03 -8.26
Accumulated Other Comprehensive Income / (Loss)		 -1.35 -1.41 -1.42 -1.10 -0.90 -0.81 -0.43 -0.47 -0.44
Other Equity Adjustments		 -3.05 -3.02 -3.00 -2.95 -2.92 -2.89 -2.84 -2.82 -2.79

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 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 6,462,729.00
DEI Adjusted Shares Outstanding		 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 6,462,729.00
DEI Earnings Per Adjusted Shares Outstanding		 0.25 0.29 0.25 0.38 0.31 0.40 0.37 0.38 0.47 0.47 0.48
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.87% -0.42% -4.39% -1.75% 6.97% 21.19% 22.66% 20.11% 14.94% 10.33% 16.13%
EBITDA Growth		 -5.46% -2.86% -15.83% -11.60% 16.64% 45.83% 48.03% 41.07% 42.77% 11.35% 22.58%
EBIT Growth		 -5.44% -2.90% -17.00% -12.66% 18.01% 50.38% 53.56% 46.02% 47.99% 13.03% 25.30%
NOPAT Growth		 -8.73% 5.62% -11.84% 16.38% 26.21% 41.33% 46.07% -0.75% 50.41% 13.02% 25.22%
Net Income Growth		 -8.73% 5.62% -11.84% 16.38% 26.21% 41.33% 46.07% -0.75% 50.41% 13.02% 25.22%
EPS Growth		 -7.14% 7.14% -10.00% 17.65% 26.92% 43.33% 48.15% -2.50% 51.52% 11.63% 22.50%
Operating Cash Flow Growth		 141.50% -80.77% 391.55% -78.25% -9.80% 330.38% 33.75% 232.87% 26.38% 35.80% 131.62%
Free Cash Flow Firm Growth		 49.71% -23.29% 141.10% 87.40% -15.84% -16.17% -199.39% -1,057.67% -446.28% -141.33% -64.29%
Invested Capital Growth		 4.39% 7.68% -7.20% 3.58% 5.00% 8.64% 10.73% 20.69% 20.20% 16.86% 15.29%
Revenue Q/Q Growth		 0.17% -3.92% -4.82% 7.27% 9.05% 8.86% -3.67% 5.04% 4.36% 4.50% 1.46%
EBITDA Q/Q Growth		 -13.24% 2.35% -9.64% 10.19% 14.47% 27.96% -5.94% 5.00% 15.85% -0.20% 1.66%
EBIT Q/Q Growth		 -14.34% 2.53% -10.55% 11.18% 15.74% 30.66% -6.18% 5.71% 17.31% -0.21% 1.99%
NOPAT Q/Q Growth		 -24.39% 14.83% -10.86% 50.38% -18.01% 28.59% -7.87% 2.19% 24.25% -3.38% 2.08%
Net Income Q/Q Growth		 -24.39% 14.83% -10.86% 50.38% -18.01% 28.59% -7.87% 2.19% 24.25% -3.38% 2.08%
EPS Q/Q Growth		 -23.53% 15.38% -10.00% 48.15% -17.50% 30.30% -6.98% -2.50% 28.21% -4.00% 2.08%
Operating Cash Flow Q/Q Growth		 -17.99% -82.85% 204.88% -49.29% 240.12% -18.16% -5.25% 26.21% 29.13% -12.05% 61.60%
Free Cash Flow Firm Q/Q Growth		 77.55% -93.94% 257.95% -118.33% -106.35% -94.49% -35.14% -113.46% 2.63% 14.08% 8.00%
Invested Capital Q/Q Growth		 0.77% 0.81% 0.86% 1.10% 2.15% 4.30% 2.81% 10.18% 1.73% 1.41% 1.42%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.20% 36.43% 34.59% 35.53% 37.30% 43.84% 41.75% 41.73% 46.33% 44.25% 44.33%
EBIT Margin		 31.19% 33.28% 31.28% 32.42% 34.40% 41.29% 39.16% 39.41% 44.30% 42.30% 42.53%
Profit (Net Income) Margin		 21.04% 25.14% 23.55% 33.01% 24.82% 29.32% 28.04% 27.28% 32.48% 30.03% 30.22%
Tax Burden Percent		 70.24% 78.29% 77.14% 61.53% 72.15% 71.00% 71.10% 68.79% 73.32% 70.99% 71.05%
Interest Burden Percent		 96.04% 96.50% 97.60% 165.52% 100.00% 100.00% 100.72% 100.63% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.76% 21.71% 22.86% 38.47% 27.85% 29.00% 28.90% 31.21% 26.68% 29.01% 28.95%
Return on Invested Capital (ROIC)		 4.89% 5.88% 5.01% 7.31% 5.52% 6.68% 6.54% 6.29% 7.61% 7.02% 7.23%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.89% 5.88% 5.01% 7.31% 5.52% 6.68% 6.54% 6.29% 7.61% 7.02% 7.23%
Return on Net Nonoperating Assets (RNNOA)		 1.39% 1.53% 1.75% 1.97% 1.50% 1.89% 1.88% 2.13% 2.59% 2.44% 2.53%
Return on Equity (ROE)		 6.27% 7.41% 6.76% 9.29% 7.01% 8.57% 8.42% 8.42% 10.20% 9.47% 9.76%
Cash Return on Invested Capital (CROIC)		 1.40% -1.58% 12.67% 2.17% 1.05% -1.96% -3.44% -12.39% -11.44% -8.61% -7.02%
Operating Return on Assets (OROA)		 1.10% 1.16% 1.06% 1.06% 1.10% 1.37% 1.37% 1.43% 1.58% 1.52% 1.64%
Return on Assets (ROA)		 0.75% 0.87% 0.80% 1.08% 0.80% 0.97% 0.98% 0.99% 1.16% 1.08% 1.16%
Return on Common Equity (ROCE)		 6.27% 7.41% 6.76% 9.29% 7.01% 8.57% 8.42% 8.42% 10.20% 9.47% 9.76%
Return on Equity Simple (ROE_SIMPLE)		 7.09% 7.11% 6.81% 0.00% 7.36% 7.87% 8.41% 0.00% 8.88% 8.99% 9.31%
Net Operating Profit after Tax (NOPAT)		 1.65 1.90 1.69 2.54 2.09 2.68 2.47 2.52 3.14 3.03 3.09
NOPAT Margin		 21.04% 25.14% 23.55% 33.01% 24.82% 29.32% 28.04% 27.28% 32.48% 30.03% 30.22%
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		 52.18% 56.50% 55.22% 48.24% 51.07% 47.21% 46.98% 42.63% 44.12% 44.49% 43.83%
Operating Expenses to Revenue		 63.92% 67.70% 68.04% 69.88% 64.39% 59.03% 59.48% 57.85% 55.46% 55.16% 54.04%
Earnings before Interest and Taxes (EBIT)		 2.45 2.51 2.25 2.50 2.89 3.78 3.45 3.65 4.28 4.27 4.35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.69 2.75 2.48 2.74 3.13 4.01 3.68 3.86 4.47 4.46 4.54
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.66 0.65 0.64 0.69 0.79 0.74 0.89 0.90 0.88 0.87 0.86
Price to Tangible Book Value (P/TBV)		 0.66 0.65 0.64 0.69 0.79 0.74 0.89 0.90 0.88 0.87 0.86
Price to Revenue (P/Rev)		 2.27 2.26 2.29 2.52 2.87 2.60 3.06 3.03 2.93 2.88 2.78
Price to Earnings (P/E)		 9.15 8.87 9.08 11.94 13.16 11.38 13.41 11.56 10.38 10.14 9.26
Dividend Yield		 1.82% 2.02% 2.19% 2.16% 0.00% 1.55% 1.57% 1.69% 0.00% 1.74% 1.96%
Earnings Yield		 10.92% 11.28% 11.02% 8.37% 7.60% 8.79% 7.46% 8.65% 9.64% 9.86% 10.80%
Enterprise Value to Invested Capital (EV/IC)		 0.35 0.35 0.36 0.57 0.42 0.31 0.82 0.89 0.72 0.63 0.84
Enterprise Value to Revenue (EV/Rev)		 1.55 1.57 1.61 2.62 1.96 1.40 3.71 4.22 3.33 2.92 3.74
Enterprise Value to EBITDA (EV/EBITDA)		 4.12 4.21 4.46 7.44 5.43 3.67 9.55 10.47 7.84 6.84 8.45
Enterprise Value to EBIT (EV/EBIT)		 4.50 4.59 4.88 8.17 5.95 3.98 10.29 11.19 8.30 7.22 8.86
Enterprise Value to NOPAT (EV/NOPAT)		 6.32 6.31 6.61 10.18 7.34 5.04 12.82 15.29 11.30 9.83 12.45
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.60 6.00 5.23 12.54 10.05 5.80 14.93 14.36 10.95 9.14 9.80
Enterprise Value to Free Cash Flow (EV/FCFF)		 25.66 0.00 2.71 26.66 41.59 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.27 0.27 0.26 0.26 0.27 0.30 0.31 0.41 0.40 0.40 0.39
Long-Term Debt to Equity		 0.00 0.00 0.00 0.26 0.27 0.30 0.31 0.41 0.40 0.40 0.39
Financial Leverage		 0.28 0.26 0.35 0.27 0.27 0.28 0.29 0.34 0.34 0.35 0.35
Leverage Ratio		 8.42 8.47 8.51 8.63 8.82 8.79 8.57 8.50 8.80 8.77 8.38
Compound Leverage Factor		 8.09 8.17 8.30 14.29 8.82 8.79 8.63 8.55 8.80 8.77 8.38
Debt to Total Capital		 21.28% 21.11% 20.76% 20.54% 21.41% 22.89% 23.66% 29.22% 28.72% 28.32% 27.92%
Short-Term Debt to Total Capital		 21.28% 21.11% 20.76% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 20.54% 21.41% 22.89% 23.66% 29.22% 28.72% 28.32% 27.92%
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		 78.72% 78.89% 79.24% 79.46% 78.59% 77.11% 76.34% 70.78% 71.28% 71.68% 72.08%
Debt to EBITDA		 2.49 2.51 2.59 2.68 2.74 2.74 2.75 3.44 3.15 3.06 2.83
Net Debt to EBITDA		 -1.93 -1.85 -1.86 0.28 -2.53 -3.16 1.67 2.95 0.96 0.09 2.17
Long-Term Debt to EBITDA		 0.00 0.00 0.00 2.68 2.74 2.74 2.75 3.44 3.15 3.06 2.83
Debt to NOPAT		 3.81 3.76 3.85 3.67 3.70 3.77 3.69 5.03 4.54 4.40 4.16
Net Debt to NOPAT		 -2.96 -2.77 -2.76 0.38 -3.42 -4.34 2.24 4.30 1.38 0.13 3.19
Long-Term Debt to NOPAT		 0.00 0.00 0.00 3.67 3.70 3.77 3.69 5.03 4.54 4.40 4.16
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)		 -4.04 -7.84 12 -2.27 -4.68 -9.10 -12 -26 -26 -22 -20
Operating Cash Flow to CapEx		 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% 1,130.52%
Free Cash Flow to Firm to Interest Expense		 -0.94 -1.57 2.23 -0.39 -0.86 -1.61 -2.12 -4.46 -4.49 -3.84 -3.46
Operating Cash Flow to Interest Expense		 0.75 0.11 0.30 0.15 0.53 0.42 0.39 0.48 0.64 0.56 0.90
Operating Cash Flow Less CapEx to Interest Expense		 0.90 0.09 0.28 0.08 0.46 0.40 0.38 0.47 0.64 0.51 0.82
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.35 2.36 2.35 2.34 2.45 2.60 2.74 2.86 2.97 3.05 3.18
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 135 136 138 139 142 148 152 168 171 173 176
Invested Capital Turnover		 0.23 0.23 0.21 0.22 0.22 0.23 0.23 0.23 0.23 0.23 0.24
Increase / (Decrease) in Invested Capital		 5.69 9.73 -11 4.81 6.77 12 15 29 29 25 23
Enterprise Value (EV)		 48 48 49 79 60 45 125 149 122 110 147
Market Capitalization		 70 69 70 76 88 84 103 107 107 108 109
Book Value per Share		 $16.68 $16.18 $17.21 $17.43 $17.92 $18.37 $18.71 $19.10 $19.59 $19.17 $19.59
Tangible Book Value per Share		 $16.68 $16.18 $17.21 $17.43 $17.92 $18.37 $18.71 $19.10 $19.59 $19.17 $19.59
Total Capital		 135 136 138 139 142 148 152 168 171 173 176
Total Debt		 29 29 29 29 30 34 36 49 49 49 49
Total Long-Term Debt		 0.00 0.00 0.00 29 30 34 36 49 49 49 49
Net Debt		 -22 -21 -20 2.97 -28 -39 22 42 15 1.41 38
Capital Expenditures (CapEx)		 -0.65 0.13 0.14 0.42 0.38 0.10 0.05 0.05 0.00 0.33 0.46
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)		 29 29 29 29 30 34 36 49 49 49 49
Total Depreciation and Amortization (D&A)		 0.24 0.24 0.24 0.24 0.24 0.23 0.23 0.22 0.20 0.20 0.19
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.26 $0.30 $0.27 $0.40 $0.34 $0.43 $0.40 $0.40 $0.51 $0.49 $0.50
Adjusted Weighted Average Basic Shares Outstanding		 6.39M 6.37M 6.34M 6.34M 6.23M 6.22M 6.22M 6.22M 6.21M 6.22M 6.22M
Adjusted Diluted Earnings per Share		 $0.26 $0.30 $0.27 $0.40 $0.34 $0.43 $0.40 $0.39 $0.50 $0.48 $0.49
Adjusted Weighted Average Diluted Shares Outstanding		 6.39M 6.37M 6.34M 6.34M 6.23M 6.23M 6.23M 6.24M 6.28M 6.29M 6.29M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $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		 6.65M 6.59M 6.49M 6.48M 0.00 0.00 0.00 6.48M 6.48M 6.46M 6.46M
Normalized Net Operating Profit after Tax (NOPAT)		 1.65 1.90 1.69 2.54 2.09 2.68 2.47 2.52 3.14 3.03 3.09
Normalized NOPAT Margin		 21.04% 25.14% 23.55% 33.01% 24.82% 29.32% 28.04% 27.28% 32.48% 30.03% 30.22%
Pre Tax Income Margin		 29.95% 32.11% 30.53% 53.65% 34.40% 41.29% 39.44% 39.66% 44.30% 42.30% 42.53%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.57 0.50 0.41 0.43 0.53 0.67 0.59 0.62 0.75 0.75 0.75
NOPAT to Interest Expense		 0.38 0.38 0.31 0.44 0.38 0.47 0.43 0.43 0.55 0.53 0.53
EBIT Less CapEx to Interest Expense		 0.72 0.48 0.38 0.36 0.46 0.65 0.59 0.61 0.75 0.69 0.67
NOPAT Less CapEx to Interest Expense		 0.53 0.35 0.28 0.37 0.31 0.46 0.42 0.42 0.55 0.47 0.45
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 17.04% 18.74% 21.02% 21.57% 18.65% 17.57% 16.77% 18.68% 16.24% 18.00% 19.24%
Augmented Payout Ratio		 35.35% 35.64% 37.59% 52.08% 50.52% 40.83% 40.19% 27.33% 20.32% 22.62% 22.88%

Financials Breakdown Chart

Key Financial Trends

Magyar Bancorp’s financial results show a generally improving earnings and balance-sheet profile over the past several years. The company has expanded its loan portfolio, increased net interest income and strengthened shareholders’ equity, although recent cash outflows, rising operating costs and higher credit-loss provisions warrant monitoring.

  • Net interest income continues to expand. Net interest income rose to $9.4 million in Q3 2026 from $8.2 million in Q3 2024 and $7.0 million in Q4 2023. The latest quarter also improved from $9.2 million in Q2 2026 as loan interest income reached $13.9 million.
  • Loan growth has been strong. Gross loans and leases increased to $888.2 million at June 30, 2026, from $759.4 million at June 30, 2024—an increase of roughly 17%. Net loans grew to $879.8 million, supporting higher interest revenue.
  • Profitability and per-share earnings have improved. Q3 2026 net income was $3.1 million, compared with $2.5 million in Q3 2025 and $1.7 million in Q3 2024. Diluted EPS increased to $0.49 from $0.40 in both comparable quarters.
  • Capital has grown alongside the balance sheet. Total common equity reached $126.6 million at June 30, 2026, up from $109.0 million two years earlier. Retained earnings increased to $74.1 million, providing additional support for future growth.
  • Operating cash flow remains positive. Magyar generated $5.2 million of operating cash flow in Q3 2026, up from $3.2 million in Q2 2026 and $2.3 million in Q3 2025. This indicates that reported earnings are being supported by cash generation from operations.
  • Credit performance appears manageable so far. The allowance for loan losses was $8.5 million at June 30, 2026, or approximately 1% of gross loans. The allowance ratio was slightly lower than the roughly 1.0% level at June 30, 2024, despite the larger loan portfolio.
  • Shareholder distributions have increased. Quarterly dividends rose from $0.03 per share in late 2023 to $0.10 per share in Q2 2026. The company has also continued modest share repurchases, which can support per-share results when conducted at attractive valuations.
  • Non-interest income is improving but remains volatile. Q3 2026 non-interest income was $817,000, above $636,000 in Q3 2025 and $409,000 in Q3 2024. However, a meaningful portion came from investment gains, which may not recur consistently.
  • Liquidity has declined materially from 2024 levels. Cash and due from banks plus interest-bearing deposits at other banks totaled approximately $11.5 million at June 30, 2026, compared with about $50.9 million at June 30, 2024. The company still held $104.3 million of trading account securities, but the reduced cash position leaves less immediate liquidity.
  • Expenses and credit-loss provisions are pressuring margins. Q3 2026 non-interest expense was $5.5 million, compared with $5.1 million in Q3 2024, while salaries and benefits increased to $3.4 million from $2.9 million. The provision for credit losses also rose to $351,000 from $101,000 a year earlier, creating a potential headwind if loan-loss costs continue to increase.

Overall, Magyar Bancorp is benefiting from sustained loan growth, higher net interest income and improving earnings per share. Investors should balance those positives against the company’s sharp quarterly cash decline, deposit volatility, increasing operating expenses and the recent rise in credit-loss provisions.

10/10/26 02:13 PM 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%.

In the past 10 quarters, Magyar Bancorp's cash and equivalents has ranged from $1.97 million in Q3 2025 to $17.06 million in Q2 2026, and is currently $2.03 million as of their latest financial filing in Q3 2026.

Magyar Bancorp had total debt of $49.05 million at the end of 2025, a 71.7% increase from 2024, and a 55.3% increase since 2015.

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 8/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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