Stocktoria

Magyar Bancorp, Inc. MGYR

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 2006-01-24

Magyar Bancorp, Inc. statistics & valuation

Market cap$115.0M
P / E11.8×
P / B1.0×
P / FCF11.7×
Net debt$42.0M
Enterprise value USD$157.0M
Graham number +33%$25.37

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($25.37); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.30% 8.00% 7.40% 7.00% 8.20% 2016201720182019202020212022202320242025
Shares outstanding
5.8M 5.8M 5.8M 5.8M 5.8M 7.1M 6.8M 6.7M 6.5M 6.5M 2016201720182019202020212022202320242025
Net debt ($)
-$43.0M $3.0M $42.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 1.00% 0.80% 0.80% 1.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.28× 0.26× 0.41× 2016201720182019202020212022202320242025
EPS ($)
$0.19 $0.24 $0.35 $1.01 $1.17 $1.20 $1.23 $1.56 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Magyar Bancorp, Inc. trades at about 12.2× earnings — below its 10-year norm (10-year range 7.6×–70.8×, median 29.3×).

7.6× 70.8×

Shaded band = 10-year range (7.6×–70.8×); dot = today's 12.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.0%0.8%0.8%1.0%0.8%
Return on equity8.2%7.0%7.4%8.0%6.3%
Debt / equity0.41×0.26×0.28×

Computed from company filings · US · as of 2025-09-30. Facts plus Stocktoria's own computed scores — not investment advice.