MGYR
BULLISH
$17.76
Live
Magyar Bancorp, Inc. · NASDAQ
$13.62
52W Range
$20.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 14, 2026
Market cap
$115.04M
P/E
10.26
ROE
9.3%
Profit margin
29.6%
Debt/Equity
N/A
Dividend yield
2.25%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
MGYR presents a classic deep-value opportunity, characterized by a Piotroski F-Score of 4/9 (Stable) and a current price ($17.76) trading significantly below both its Graham Number ($27.05) and Intrinsic Value ($51.03). The company exhibits strong fundamental growth with YoY earnings increasing by 51.50% and a Price-to-Book ratio of 0.94, indicating the stock is trading below its liquidation value. However, this value is tempered by a bearish technical trend and a poor earnings track record, having missed estimates in four consecutive quarters. Overall, the massive valuation discount outweighs the operational inconsistencies.
Key Strengths
Trading below book value (P/B 0.94)
Significant undervaluation relative to Graham Number ($27.05) and Intrinsic Value ($51.03)
Strong earnings growth (YoY +51.50%)
Very sustainable dividend payout ratio (16.18%)
Low P/E ratio (10.26) compared to the financial services sector average (49.50)
Key Risks
Consistent failure to meet earnings estimates (0/4 beats)
Bearish technical trend (0/100 score)
Low Piotroski F-Score (4/9) suggests only mediocre financial health
Lack of analyst coverage and institutional visibility
Small market capitalization ($0.12B) increasing volatility risk
AI Fair Value Estimate
Based on comprehensive analysis
$29.04
+63.5% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
65
Strong
95
80
40
50
60
AI Verdict
Strong Value Play
Key drivers: Deep discount to book value, High earnings growth, Significant gap between price and intrinsic value
Confidence
80%
Value
95/100
P/E 10.26, Graham Number $27.05
Positives
- P/B < 1.0
- P/E significantly below sector average
- Price well below Graham Number
Watchpoints
No urgent risks highlighted.
Future
80/100
Strong growth rates offset by poor guidance accuracy
Positives
- 51.5% Earnings Growth YoY
- 16.1% Revenue Growth YoY
Watchpoints
- Poor earnings surprise history
Past
40/100
Historical earnings misses are a significant drag
Positives
- Positive long-term price change (5Y +73.9%)
Watchpoints
- 0/4 earnings beats
- Average surprise of -41.25%
Health
50/100
Piotroski F-Score 4/9
Positives
- Piotroski score in 'Stable' range
Watchpoints
- Piotroski score is only 4/9
- Altman Z-Score unavailable
Dividend
60/100
Yield 2.25%, Payout 16.18%
Positives
- Low payout ratio (16.18%) suggests room for growth
Watchpoints
- Low overall dividend strength score (35/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$17.76
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for MGYR and closest competitors.
Updated 2026-04-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
MGYR
Magyar Bancorp, Inc.
Primary
|
+73.9% | +80.7% | +32.1% | +5.2% | +2.8% | +2.1% |
|
BSBK
Bogota Financial Corp.
Peer
|
-12.5% | -12.1% | +23.3% | -5.8% | +5.1% | +4.4% |
|
HYNE
Hoyne Bancorp, Inc.
Peer
|
+14.9% | +14.9% | +14.9% | +14.9% | +11.7% | +7.5% |
|
LSBK
Lake Shore Bancorp, Inc.
Peer
|
+69.6% | +124.1% | +51.9% | +24.0% | +1.8% | +1.8% |
|
AFBI
Affinity Bancshares, Inc.
Peer
|
+90.8% | +37.0% | +8.5% | +2.0% | -3.1% | +0.2% |
MGY
Magyar Bancorp, Inc.
Primary
5Y
+73.9%
3Y
+80.7%
1Y
+32.1%
6M
+5.2%
1M
+2.8%
1W
+2.1%
BSB
Bogota Financial Corp.
Peer
5Y
-12.5%
3Y
-12.1%
1Y
+23.3%
6M
-5.8%
1M
+5.1%
1W
+4.4%
HYN
Hoyne Bancorp, Inc.
Peer
5Y
+14.9%
3Y
+14.9%
1Y
+14.9%
6M
+14.9%
1M
+11.7%
1W
+7.5%
LSB
Lake Shore Bancorp, Inc.
Peer
5Y
+69.6%
3Y
+124.1%
1Y
+51.9%
6M
+24.0%
1M
+1.8%
1W
+1.8%
AFB
Affinity Bancshares, Inc.
Peer
5Y
+90.8%
3Y
+37.0%
1Y
+8.5%
6M
+2.0%
1M
-3.1%
1W
+0.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
10.26
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.94
P/S Ratio
3.15
EV/Revenue
3.61
EV/EBITDA
N/A
Market Cap
$115.04M
Profitability
Profit margins and return metrics
Profit Margin
29.59%
Operating Margin
45.6%
Gross Margin
N/A
ROE
9.26%
ROA
1.05%
Growth
Revenue and earnings growth rates
Revenue Growth
+16.1%
Earnings Growth
+51.5%
Q/Q Revenue Growth
+14.94%
Q/Q Earnings Growth
+50.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$5.39
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
32.5%
Total Assets
$1.0B
Liabilities
$0.9B
Equity
$0.1B
Debt/Equity
7.59x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2008-01-23
$0.02
-50.0% surprise
2007-11-07
$0.02
-50.0% surprise
2007-07-25
$0.03
-40.0% surprise
2007-04-25
$0.03
-25.0% surprise
Financial Services Sector Comparison
Comparing MGYR against 404 companies in the Financial Services sector
(68 bullish, 175 neutral, 161 bearish)
P/E Ratio
10.26
This Stock
vs
49.16
Sector Avg
-79.1%
(Discount)
Return on Equity (ROE)
9.26%
This Stock
vs
-0.06%
Sector Avg
-15209.9%
(Below Avg)
Profit Margin
29.59%
This Stock
vs
60.11%
Sector Avg
-50.8%
(Weaker)
Revenue Growth
16.1%
This Stock
vs
42.19%
Sector Avg
-61.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
MGYR
Magyar Bancorp, Inc.
|
BULLISH | $115.04M | 10.26 | 9.3% | 29.6% | $17.76 | |
|
BSBK
Bogota Financial Corp.
|
NEUTRAL | $112.05M | 50.82 | 1.5% | 12.0% | $8.64 | Compare |
|
HYNE
Hoyne Bancorp, Inc.
|
BEARISH | $119.89M | 536.33 | 0.2% | 1.6% | $16.09 | Compare |
|
LSBK
Lake Shore Bancorp, Inc.
|
BULLISH | $122.87M | 16.16 | 6.3% | 25.9% | $15.68 | Compare |
|
AFBI
Affinity Bancshares, Inc.
|
NEUTRAL | $123.04M | 15.47 | 6.5% | 25.3% | $19.95 | Compare |
MGYR
Magyar Bancorp, Inc.
BULLISH
Mkt Cap
$115M
P/E
10.3
ROE
9.3%
Price
$17.76
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-12 | YELENCSICS JOSEPH A | Director | Stock Award | 200 | $3,511 |
| 2026-02-25 | ANSARI JON R | Chief Financial Officer | Stock Award | 500 | $9,000 |
| 2026-02-25 | FITZGERALD JOHN S | Chief Executive Officer | Stock Award | 739 | $13,302 |
| 2026-02-19 | FITZGERALD JOHN S | Chief Executive Officer | Stock Award | 44 | $792 |
| 2026-02-17 | FITZGERALD JOHN S | Chief Executive Officer | Stock Award | 100 | $1,800 |
| 2026-02-12 | FITZGERALD JOHN S | Chief Executive Officer | Stock Award | 5 | $90 |
| 2026-02-11 | FITZGERALD JOHN S | Chief Executive Officer | Stock Award | 100 | $1,800 |
| 2025-12-12 | LOMBARDI MICHAEL R. | Director | Purchase | 550 | $9,441 |
| 2025-11-06 | FITZGERALD JOHN S | Chief Executive Officer | Stock Award | 200 | $3,448 |
| 2025-11-06 | RUANE MAUREEN | Director | Stock Award | 1,464 | $25,239 |
YELENCSICS JOSEPH A
Director
2026-03-12
200 shares
·
$3,511
ANSARI JON R
Chief Financial Officer
2026-02-25
500 shares
·
$9,000
FITZGERALD JOHN S
Chief Executive Officer
2026-02-25
739 shares
·
$13,302
FITZGERALD JOHN S
Chief Executive Officer
2026-02-19
44 shares
·
$792
FITZGERALD JOHN S
Chief Executive Officer
2026-02-17
100 shares
·
$1,800
FITZGERALD JOHN S
Chief Executive Officer
2026-02-12
5 shares
·
$90
FITZGERALD JOHN S
Chief Executive Officer
2026-02-11
100 shares
·
$1,800
LOMBARDI MICHAEL R.
Director
2025-12-12
550 shares
·
$9,441
FITZGERALD JOHN S
Chief Executive Officer
2025-11-06
200 shares
·
$3,448
RUANE MAUREEN
Director
2025-11-06
1,464 shares
·
$25,239
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning MGYR from our newsroom.
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