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Saturday 17 October 2026 Export MGYR’s income statement to Excel — free account

Magyar Bancorp, Inc.

MGYR Financial Banks Regional

Magyar Bancorp, Inc.’s revenue for fiscal 2025 (year ended September 2025) was $58.4 million, up 11.9% from fiscal 2024. In the quarter to June 2026, revenue grew 9.88%, EPS grew 25.0% and free cash flow grew 84.1%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.

19.84 0.05 −0.25%
Market cap
$128.4M
P/E
10.4×
Fwd P/E
10.6×
Dividend yield
1.92%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.01
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — 1 — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 13.95%

Capital & Financial Ratios $m

Market Cap 128.40
Revenue 62.38
Net Income 11.78
Free Cash Flow 16.26
Net Debt (11.47)
Current Ratio 0.98
Debt/Equity 0.00
P/E ratio 10.39
Fwd P/E 10.60
P/S ratio 1.98
P/B ratio 0.97
Past 5Y EPS Growth 32.64% (at or above 15%: strong)
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth 3.67%
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 22.26%
10-year low 10-year high
P/S against its own 10 years 44.23%
10-year low 10-year high
P/B against its own 10 years 54.81%
10-year low 10-year high

Dividends

Payout Ratio 0.20
Annual Dividend Rate 0.38
Annual Dividend Yield 1.92%
total individual payouts
2026 0.30
0.10
0.10
0.10
2025 0.28
0.06
0.06
0.08
0.08
2024 0.20
0.05
0.05
0.05
0.05
0.04
2023 0.13
0.03
0.03
0.03
0.04
0.07
2022 0.12
0.03
0.03
0.03
0.03
0.08
2020 Powerpack
2019 Powerpack
2018 Powerpack
2017 Powerpack
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 73 26 7 11
Receivables — — — —
Inventory — — — —
Other — — — —
766 803 862 897
2023 2024 2025 Q'26
Payables 769 808 825 866
ST’ Debt — — — —
Other — — — —
799 837 875 917

Compound Annual Growth %

10y 5y 3y
Sales 10.55% 15.32% 21.94%
Cash Flow (1.84%) 66.41% (2.48%)
Earnings 26.96% 34.83% 7.22%
Book Value 9.80% 15.89% 6.46%

Revenue $m

Dec Mar Jun Sep Year
’26 15 16 16 — —
’25 14 15 15 15 58
’24 12 13 13 15 52
’23 9 10 10 11 41
’22 8 7 8 9 32
’21 8 8 8 8 32
’20 7 7 7 7 29
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Dec Mar Jun Sep Year
’26 4 3 5 — —
’25 3 2 2 3 10
’24 3 1 2 1 6
’23 1 3 0 4 8
’22 2 0 4 5 11
’21 2 2 1 4 9
’20 (1) (1) 1 1 1
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Dec Mar Jun Sep Year
’26 6 3 5 — —
’25 4 2 3 3 12
’24 4 0 2 1 7
’23 1 3 0 4 8
’22 2 0 4 4 11
’21 2 3 1 5 11
’20 (1) 0 2 5 6
Fiscal quarters ending in the months shown.

EPS $

Dec Mar Jun Sep Year
’26 0.50 0.48 0.49 — —
’25 0.33 0.43 0.40 0.40 1.56
’24 0.26 0.30 0.27 0.41 1.23
’23 0.28 0.28 0.30 0.34 1.20
’22 0.25 0.25 0.31 0.36 1.17
’21 0.23 0.26 0.29 0.23 1.01
’20 0.10 0.05 0.09 0.14 0.38
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to September

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 7.79 9.50 9.57 8.95 6.14 7.43 11.32 9.00 10.30 13.52

Analyst estimates 2026–2028

Powerpack
High 9.92 12.24 11.06 10.54 11.71 12.49 13.45 13.25 14.74 19.04
People
People Employees 103 105 107 110 104 101 94 97 101 98
Revenue/emp, $m 0.22 0.23 0.25 0.27 0.28 0.32 0.34 0.42 0.52 0.60
Income, $m
Income, $m Revenue 23 24 26 29 29 32 32 41 52 58
Gross margin, % 84.37 84.26 82.44 77.05 80.75 90.79 92.29 74.64 60.53 60.95
EBT 2 2 4 4 3 9 11 11 11 14
EBT margin, % 7.77 10.08 13.23 14.57 10.86 27.32 34.67 26.36 21.27 23.64
Net income 1 1 2 3 2 6 8 8 8 10
Depreciation 1 1 1 1 1 1 1 1 1 1
Per share, $
Per share, $ Revenue 3.88 4.12 4.55 5.02 4.03 5.29 4.75 6.34 8.23 9.39
Earnings 0.19 0.24 0.35 0.51 0.38 1.01 1.17 1.20 1.23 1.57
Cash flow 1.46 0.62 0.79 0.99 0.11 1.53 1.65 1.32 1.00 1.67
Capex 0.80 0.28 0.42 0.23 0.73 0.33 0.01 (0.05) 0.16 0.20
Free cash flow 2.26 0.90 1.22 1.23 0.84 1.86 1.66 1.28 1.16 1.86
Book value 8.20 8.50 8.82 9.39 8.00 16.17 14.52 16.31 17.43 19.10
Shares, m 6 6 6 6 7 6 7 6 6 6
Valuation, ×
Valuation, × P/E 45.89 42.13 28.51 18.84 17.97 11.34 10.62 8.05 9.94 10.93
P/S 2.13 2.45 2.19 1.91 1.69 2.16 2.62 1.52 1.50 1.84
P/B 1.01 1.19 1.13 1.02 0.85 0.71 0.86 0.59 0.71 0.90
EV/Sales 2.76 2.85 2.96 2.42 1.89 0.54 2.14 0.86 1.88 2.50
EV/FCF 4.73 13.03 11.04 9.88 9.07 1.54 6.13 4.28 13.36 12.57
Cash, $m
Cash, $m Operating cash flow 9 4 5 6 1 9 11 8 6 10
Capex 5 2 2 1 5 2 0 0 1 1
Free cash flow 13 5 7 7 6 11 11 8 7 12
Balance, $m
Balance, $m Working capital (20) (25) (9) 5 42 14 (27) (33) (34) (13)
Total debt 36 32 36 36 67 23 16 30 — —
Net debt 14 10 20 15 6 (52) (15) (73) (26) (7)
Shareholders’ equity 48 49 51 55 57 98 99 105 111 119
Returns, %
Returns, % ROA 0.19 0.24 0.33 0.48 0.32 0.80 1.01 0.90 0.84 1.00
ROIC 1.77 2.56 3.06 3.84 3.11 11.91 8.39 20.81 8.17 7.72
ROE 2.31 2.93 4.03 5.65 3.93 7.92 8.07 7.58 7.23 8.51
Negative figures in brackets.

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

Charts ten years each

Magyar Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
LSBK Lake Shore Bancorp, Inc. $142.3M 16.1× — +2.32% (above 0%: growing) +16.05% (above 0%: growing) +60.67% (above 0%: growing) 75.39% 0.00% Compare
HYNE Hoyne Bancorp, Inc. $136.0M — — +11.37% (above 0%: growing) — −140.80% (below 0%: shrinking) 83.07% 0.00% Compare
FGBI First Guaranty Bancshares, Inc. $135.0M — (loss-making) 24.3× −5.84% (below 0%: shrinking) n/m +17.37% (above 0%: growing) 45.46% 0.00% Compare
SRBK SR Bancorp, Inc. $133.4M 41.0× 20.3× −1.47% (below 0%: shrinking) −51.91% (below 0%: shrinking) +141.06% (above 0%: growing) 63.94% 0.00% Compare
MGYR Magyar Bancorp, Inc. $128.4M 10.4× 10.6× +9.88% (above 0%: growing) +25.00% (above 0%: growing) +84.11% (above 0%: growing) 63.70% 0.00%
BOTJ Bank of the James Financial Group, Inc. $122.6M 10.6× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
RVSB Riverview Bancorp Inc $119.1M — (loss-making) 17.7× +6.30% (above 0%: growing) +33.33% (above 0%: growing) +342.43% (above 0%: growing) 75.12% 0.00% Compare
BSBK Bogota Financial Corporation $116.5M 43.4× 29.2× −5.42% (below 0%: shrinking) +200.00% (above 0%: growing) +11.78% (above 0%: growing) 43.91% 0.00% Compare
WSBK Winchester Bancorp, Inc. $116.0M 26.4× — +16.83% (above 0%: growing) — −44.14% (below 0%: shrinking) 52.64% 0.00% Compare
Median of peers $128.0M 26.4× 20.3× +4.31% +18.33% +14.58% 69.53% 0.00%

All 323 Banks Regional stocks →

Magyar Bancorp, Inc. (MGYR) key facts

  • Strength: Magyar Bancorp, Inc.’s revenue for fiscal 2025 (year ended September 2025) was $58.4 million, up 11.9% from fiscal 2024.
  • Magyar Bancorp, Inc. (MGYR) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, MGYR traded at $19.84, a market capitalization of $128.4 million.
  • Magyar Bancorp, Inc. pays an annual dividend of $0.38 per share, a yield of 1.92%, with a payout ratio of 20.3%.
  • Return on equity was 8.51% and debt-to-equity 0.00.
  • Its Piotroski F-score is 9 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Magyar Bancorp, Inc. (MGYR) Latest News

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stockrow.com/MGYR · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com