Magyar Bancorp, Inc. is a US-listed company in the regional banks industry. Its financial year ends in September.
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $30m, down 0.7% on a year earlier, a steeper fall than the 0.0% decline a quarter earlier.
Our model value for Magyar Bancorp is under review, so past values are not shown until it is resolved.
Source: 10-Q filed August 13, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
Current signal Revenue growth decelerating: TTM revenue growth slowed to -0.7% (-0.6pp vs the prior quarter), the 5th consecutive quarterly slowdown.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Company announcements, filed results and changes that matter to shareholders.
No model value for Magyar Bancorp, Inc. at the moment. Current status: data-quality checks not passed. Available reported financials are shown below.
The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.
We value Magyar Bancorp, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 7.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.57 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | ~$23 ~$14–$38 | Primary model, counts double |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | ~$23 ~$19–$30 | Included |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | ~$24 ~$14–$35 | Included |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$16 ~$21–$31 | Included |
| Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. | ~$18 ~$20–$27 | Included |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. | — | Combined value withheld. Review the individual models and their assumptions. |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Magyar Bancorp, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Moderate moat
How hard Magyar Bancorp's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.
Net income has been a median 0.7% of total assets over 10 years.
Net margin has been a median 12.9%; its worst year was 5.6%.
The diluted share count fell 11.6% over five years; stock-based pay has been a median 0.1% of revenue.
AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (60 before it).
No analyst estimates are published for Magyar Bancorp, Inc.: too few analysts cover it.
Last 3 years +151.6%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $31m | $30m | −0.7% |
| Net margin | 26.0% | 38.7% | +49.1% |
| P/E multiple | 7.3x | 12.0x | +63.8% |
| Share count | 7m | 6m | +3.7% |
Biggest factor: p/e multiple.
| Calendar year | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 to date |
|---|---|---|---|---|---|---|
| Return | ||||||
| MGYR | +57% | +6% | −11% | +33% | +21% | +33% |
| Industry peers (median) | +34% | −4% | −2% | +16% | +10% | +24% |
| S&P 500 | +29% | −18% | +26% | +25% | +18% | +11% |
| Months that ended higher | ||||||
| MGYR | 67% | 58% | 42% | 50% | 58% | 64% |
| S&P 500 | 75% | 42% | 67% | 75% | 75% | 46% |
| Largest fall from a high during the year | ||||||
| MGYR | −16% | −9% | −30% | −9% | −9% | −13% |
| S&P 500 | −5% | −25% | −10% | −8% | −19% | −9% |
Worst fall since November 2, 2015: 45% from March 3, 2017 to July 21, 2020. Getting back needed a 83% gain, reached on March 1, 2021, 223 days after the low.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| October 28, 2026 | 0.0% | 0.0% | — | — |
| July 23, 2026 | +3.3% | −1.1% | +7.3% | +11.3% |
| April 23, 2026 | −0.8% | +0.4% | −2.8% | −2.0% |
| January 29, 2026 | −1.5% | −0.5% | +2.1% | −1.5% |
| October 30, 2025 | +0.2% | −0.8% | −3.0% | −0.9% |
| July 24, 2025 | −0.8% | +0.5% | −1.5% | +2.5% |
| April 30, 2025 | −0.3% | +0.7% | +1.8% | +12.8% |
| January 23, 2025 | +1.3% | +0.3% | +2.7% | +2.0% |
| October 31, 2024 | −0.7% | −1.5% | +1.0% | +12.2% |
| July 25, 2024 | +3.7% | +0.6% | +2.9% | +3.1% |
| April 23, 2024 | +2.7% | +1.1% | +4.0% | +1.8% |
| January 25, 2024 | +3.6% | +0.4% | +0.4% | +2.3% |
Source: SEC EDGAR filings. Retrieved November 1, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY21 Q4 | $29M |
| FY22 Q1 | $28.8M |
| FY22 Q2 | $28.4M |
| FY22 Q3 | $28.9M |
| FY22 Q4 | $29.7M |
| FY23 Q1 | $30.1M |
| FY23 Q2 | $30.8M |
| FY23 Q3 | $30.6M |
| FY23 Q4 | $30.4M |
| FY24 Q1 | $30.8M |
| FY24 Q2 | $30.7M |
| FY24 Q3 | $30.4M |
Source: SEC EDGAR filings. Retrieved November 1, 2026.
| Period | Revenue growth, TTM YoY |
|---|---|
| FY21 Q4 | 25.3% |
| FY22 Q1 | 15.9% |
| FY22 Q2 | 6.2% |
| FY22 Q3 | 3.2% |
| FY22 Q4 | 2.6% |
| FY23 Q1 | 4.6% |
| FY23 Q2 | 8.1% |
| FY23 Q3 | 6.0% |
| FY23 Q4 | 2.3% |
| FY24 Q1 | 2.1% |
| FY24 Q2 | -0.0% |
| FY24 Q3 | -0.7% |
Source: SEC EDGAR filings. Retrieved November 1, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY17 Q4 | 16.3% |
| FY18 Q1 | 29.1% |
| FY18 Q2 | 25.2% |
| FY18 Q3 | 27.7% |
| FY18 Q4 | 19.9% |
| FY19 Q1 | 14.3% |
| FY19 Q2 | 17.1% |
| FY19 Q3 | 12.7% |
| FY19 Q4 | 25.5% |
| FY20 Q1 | 18.5% |
| FY20 Q2 | 12.5% |
| FY22 Q4 | 27.6% |
| Fiscal year | 2014 Sept 2014 | 2015 Sept 2015 | 2016 Sept 2016 | 2017 Sept 2017 | 2018 Sept 2018 | 2019 Sept 2019 | 2020 Sept 2020 | 2021 Sept 2021 | 2022 Sept 2022 | 2023 Sept 2023 | LTM Jun 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | |||||||||||
| Revenue | 18 | 18 | 19 | 20 | 22 | 23 | 23 | 29 | 30 | 30 | 30 |
| Net income | 1 | 1 | 1 | 1 | 2 | 3 | 2 | 6 | 8 | 8 | 7 |
| Diluted EPS | $0.08 | $0.12 | $0.19 | $0.24 | $0.29 | $0.42 | $0.31 | $1.01 | $1.17 | $1.20 | $1.17 |
| Growth (year on year) | |||||||||||
| Revenue | — | +4.1% | +4.6% | +6.0% | +8.0% | +3.2% | +2.7% | +25.4% | +2.5% | +2.3% | −0.7% |
| Net income | — | +56.3% | +21.6% | +30.4% | +42.7% | +47.6% | −26.9% | +179.5% | +29.4% | −2.7% | −6.7% |
| Diluted EPS | — | +50.0% | +54.7% | +26.3% | +19.4% | +45.7% | −25.8% | +225.8% | +15.8% | +2.6% | −4.6% |
| Margins | |||||||||||
| Net margin | 3.3% | 4.9% | 5.7% | 7.0% | 9.3% | 13.3% | 9.5% | 21.1% | 26.6% | 25.3% | 24.4% |
| Free-cash-flow margin | 31.0% | 68.1% | 43.7% | 16.3% | 19.9% | 25.5% | 2.9% | 30.5% | 27.6% | — | — |
| Cash flow | |||||||||||
| Cash from operations | 6 | 13 | 9 | 4 | 5 | 6 | 1 | 9 | 11 | 8 | 9 |
| Capital spending | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | — | — |
| Free cash flow | 5 | 12 | 8 | 3 | 4 | 6 | 1 | 9 | 8 | — | — |
| Stock-based pay | 0 | 0 | 0 | — | — | — | — | — | 0 | 1 | 1 |
| Free cash flow after stock pay | 5 | 12 | 8 | — | — | — | — | — | 8 | — | — |
| Balance sheet | |||||||||||
| Cash | 10 | 18 | 22 | 22 | 15 | 21 | 62 | 75 | 31 | 73 | 49 |
| Total debt | 0 | 0 | 0 | 0 | 0 | 36 | 67 | 23 | 16 | 30 | — |
| Net debt (negative = net cash) | −10 | −18 | −22 | −22 | −15 | 15 | 6 | −52 | −15 | −43 | −49 |
| Diluted shares | 7m | 7m | 7m | 7m | 7m | 7m | 7m | 6m | 7m | 6m | 6m |
| Quarter | 2022 Q4 Sept 2022 | 2023 Q1 Dec 2022 | 2023 Q2 Mar 2023 | 2023 Q3 Jun 2023 | 2023 Q4 Sept 2023 | 2024 Q1 Dec 2023 | 2024 Q2 Mar 2024 | 2024 Q3 Jun 2024 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 8,056 | 7,488 | 7,577 | 7,511 | 7,838 | 7,853 | 7,545 | 7,193 |
| Net income | 2,430 | 1,810 | 1,796 | 1,918 | 2,185 | 1,652 | 1,897 | 1,691 |
| Diluted EPS | $0.36 | $0.28 | $0.28 | $0.30 | $0.34 | $0.26 | $0.30 | $0.27 |
| Growth (year on year) | ||||||||
| Revenue | +11.4% | +5.6% | +9.0% | −1.7% | −2.7% | +4.9% | −0.4% | −4.2% |
| Net income | +50.9% | +6.9% | +7.0% | −9.4% | −10.1% | −8.7% | +5.6% | −11.8% |
| Diluted EPS | −2.7% | +12.0% | +12.0% | −3.2% | −5.6% | −7.1% | +7.1% | −10.0% |
| Margins | ||||||||
| Net margin | 30.2% | 24.2% | 23.7% | 25.5% | 27.9% | 21.0% | 25.1% | 23.5% |
| Free-cash-flow margin | 57.3% | — | — | — | — | 39.4% | 5.7% | 21.5% |
| Cash flow | ||||||||
| Cash from operations | 4,619 | 1,335 | 2,875 | 343 | 3,931 | 3,224 | 553 | 1,686 |
| Capital spending | 0 | — | — | — | — | 128 | 125 | 141 |
| Free cash flow | 4,619 | — | — | — | — | 3,096 | 428 | 1,545 |
| Stock-based pay | — | 180 | 161 | 161 | 162 | 161 | 98 | 161 |
| Free cash flow after stock pay | — | — | — | — | — | 2,935 | 330 | 1,384 |
| Last 12 months unless stated | MGYR | BAFN | SRBK | AUBN | HFBL | BYFC | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $30m | $33m | $33m | $34m | $24m | $39m | $255m |
| Revenue growth, last 12 months | −0.7% | −64.7% | 0.4% | 9.2% | 18.3% | 14.2% | 12.5% |
| Revenue growth, 3-year average | 2.8% | −24.0% | — | −0.8% | 1.1% | 3.9% | 6.0% |
| Revenue growth, latest quarter | −4.2% | −88.5% | −8.3% | 7.8% | 15.1% | 28.7% | 10.7% |
| Net margin | 24.4% | −182.3% | 10.0% | 24.5% | 25.2% | −53.8% | 28.7% |
| Cash from operations / revenue | 30.9% | 443.1% | 32.0% | 33.9% | 31.2% | 17.5% | 34.3% |
| Free-cash-flow margin | 27.6% | 442.7% | 29.5% | 27.6% | 26.6% | 16.0% | 31.4% |
| Free-cash-flow margin, 3-year average | 22.7% | 434.7% | 18.1% | 30.0% | 18.2% | 10.4% | 29.9% |
| Stock pay / revenue | 1.9% | 0.4% | 6.4% | 0.3% | 0.8% | 1.7% | 1.2% |
| Change in share count | 0.6% | −0.5% | −9.6% | 0.0% | −0.5% | 0.6% | 0.4% |
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Alliancebernstein L.P. | $11M | 638K | 31.0% | 0.0% |
| M3F, Inc. | $5M | 286K | 14.0% | ▲ 0.9% |
| Maltese Capital Management LLC | $4.5M | 257K | 12.6% | ▲ 8.6% |
| Truffle Hound Capital, LLC | $3.5M | 200K | 9.8% | 0.0% |
| Pl Capital Advisors, LLC | $3.2M | 183K | 9.0% | 0.0% |
| Dimensional Fund Advisors LP | $2.4M | 135K | 6.6% | 0.0% |
| Geode Capital Management, LLC | $1.1M | 64K | 3.1% | ▲ 18.4% |
| Vanguard Capital Management LLC | $1.1M | 63K | 3.1% | ▼ 0.4% |
| Stilwell Value LLC | $698,000 | 40K | 2.0% | 0.0% |
| Vanguard Fiduciary Trust Co | $539,292 | 31K | 1.5% | ▲ 0.7% |
| First Manhattan Co. Llc. | $488,862 | 28K | 1.4% | 0.0% |
| Oppenheimer & Close, LLC | $420,196 | 24K | 1.2% | 0.0% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Magyar Bancorp, Inc.'s complete shareholder register. Values are as reported by the filers .
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Lombardi Michael R Director | December 12, 2025 | Buy | 261 | $17.24 | $4,500 |
| Lombardi Michael R Director | December 11, 2025 | Buy | 288 | $17.10 | $4,925 |
| Lombardi Michael R Director | December 11, 2025 | Buy | 1 | $17.02 | $17 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Next expected around January 28, 2027 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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