Magyar Bancorp Financials
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Magyar Bancorp's revenue grew 12.6% year-over-year to $54.7M, a solid pace of expansion. This earns a growth score of 65/100.
Magyar Bancorp carries a low D/E ratio of 0.41, meaning only $0.41 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 96/100, indicating a strong balance sheet with room for future borrowing.
Magyar Bancorp converts 17.9% of revenue into free cash flow ($9.8M). This strong cash generation earns a score of 90/100.
Magyar Bancorp's ROE of 8.2% shows moderate profitability relative to equity, earning a score of 33/100. This is up from 7.0% the prior year.
Magyar Bancorp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Magyar Bancorp generates $1.06 in operating cash flow ($10.4M OCF vs $9.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Magyar Bancorp (MGYR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Magyar Bancorp generated $54.7M in revenue in fiscal year 2025. This represents an increase of 12.6% from the prior year.
Magyar Bancorp generated $9.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 78.3% from the prior year.
Magyar Bancorp reported $9.8M in net income in fiscal year 2025. This represents an increase of 25.4% from the prior year.
Magyar Bancorp earned $1.56 per diluted share (EPS) in fiscal year 2025. This represents an increase of 26.8% from the prior year.
Magyar Bancorp held $7.1M in cash against $49.1M in long-term debt as of fiscal year 2025.
Magyar Bancorp paid $0.29 per share in dividends in fiscal year 2025. This represents an increase of 11.5% from the prior year.
Magyar Bancorp had 6M shares outstanding in fiscal year 2025. This represents a decrease of 0.5% from the prior year.
Magyar Bancorp's net profit margin was 17.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.8 percentage points from the prior year.
Magyar Bancorp's ROE was 8.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.2 percentage points from the prior year.
Magyar Bancorp invested $574K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 29.3% from the prior year.
MGYR Income Statement
| Metric | Q1'26 | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $15K-99.9% | $14.6M+4.1% | $14.0M+3.4% | $13.5M+4.8% | $12.9M+4.7% | $12.3M+3.4% | $11.9M+3.1% | $11.6M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $6K-99.9% | $5.7M-1.9% | $5.8M+2.9% | $5.6M+3.4% | $5.5M-1.5% | $5.5M+10.9% | $5.0M+15.9% | $4.3M |
| Income Tax | $1K-99.9% | $1.1M+13.6% | $1.0M-8.3% | $1.1M+36.0% | $805K+60.7% | $501K-4.8% | $526K-24.9% | $700K |
| Net Income | $3K-99.9% | $3.1M+27.0% | $2.5M-7.9% | $2.7M+28.6% | $2.1M+23.3% | $1.7M-10.9% | $1.9M+14.8% | $1.7M |
| EPS (Diluted) | $0.500.0% | $0.50+25.0% | $0.40-7.0% | $0.43+30.3% | $0.33+22.2% | $0.27-10.0% | $0.30+15.4% | $0.26 |
MGYR Balance Sheet
| Metric | Q1'26 | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.0M-99.9% | $1.0B+5.9% | $987.5M-3.4% | $1.0B+1.3% | $1.0B+5.9% | $951.9M+2.5% | $928.6M+1.3% | $916.7M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $34K-99.9% | $34.1M+383.8% | $7.1M-90.3% | $72.9M+24.6% | $58.5M+128.7% | $25.6M-48.8% | $50.0M-2.2% | $51.1M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $924K-99.9% | $923.8M+6.0% | $871.2M-4.0% | $907.6M+1.2% | $896.7M+6.6% | $841.4M+2.5% | $820.9M+1.3% | $810.2M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $49K-99.9% | $49.1M+36.1% | $36.1M+6.3% | $33.9M+11.5% | $30.4M+6.5% | $28.6M | N/A | N/A |
| Total Equity | $122K-99.9% | $121.7M+4.7% | $116.3M+1.8% | $114.3M+2.3% | $111.7M+1.0% | $110.5M+2.7% | $107.6M+1.0% | $106.5M |
| Retained Earnings | $69K-99.9% | $69.2M+7.2% | $64.6M+3.3% | $62.5M+3.8% | $60.2M+2.6% | $58.6M+6.6% | $55.0M+2.9% | $53.5M |
MGYR Cash Flow Statement
| Metric | Q1'26 | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $4K-99.9% | $3.7M+63.0% | $2.3M-5.3% | $2.4M-18.2% | $2.9M+240.1% | $855K+54.6% | $553K-82.8% | $3.2M |
| Capital Expenditures | $4-99.9% | $4K-91.1% | $45K-55.9% | $102K-72.8% | $375K-10.3% | $418K+234.4% | $125K-2.3% | $128K |
| Free Cash Flow | $4K-99.9% | $3.7M+66.1% | $2.2M-3.0% | $2.3M-10.1% | $2.5M+479.6% | $437K+2.1% | $428K-86.2% | $3.1M |
| Investing Cash Flow | $21K+100.1% | -$21.1M+33.8% | -$31.9M-5278.9% | $616K+102.6% | -$23.7M+19.3% | -$29.4M-126.2% | -$13.0M+58.6% | -$31.3M |
| Financing Cash Flow | $44K-99.9% | $44.5M+222.7% | -$36.2M-417.5% | $11.4M-78.8% | $53.7M+960.6% | $5.1M-55.2% | $11.3M+68.8% | $6.7M |
| Dividends Paid | N/A | $501K | N/A | N/A | N/A | $318K | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
MGYR Financial Ratios
| Metric | Q1'26 | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 21.5%0.0pp | 21.5%+3.9pp | 17.7%-2.2pp | 19.8%+3.7pp | 16.2%+2.4pp | 13.7%-2.2pp | 15.9%+1.6pp | 14.3% |
| Return on Equity | 2.6%0.0pp | 2.6%+0.5pp | 2.1%-0.2pp | 2.4%+0.5pp | 1.9%+0.3pp | 1.6%-0.2pp | 1.8%+0.2pp | 1.6% |
| Return on Assets | 0.3%0.0pp | 0.3%+0.1pp | 0.3%0.0pp | 0.3%+0.1pp | 0.2%+0.0pp | 0.2%-0.0pp | 0.2%+0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.400.0 | 0.40+0.1 | 0.31+0.0 | 0.30+0.0 | 0.27+0.0 | 0.26-7.4 | 7.63+0.0 | 7.60 |
| FCF Margin | 25.2%0.0pp | 25.2%+9.4pp | 15.8%-1.0pp | 16.8%-2.8pp | 19.6%+7.1pp | 12.5%+8.9pp | 3.6%-23.2pp | 26.8% |
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Frequently Asked Questions
What is Magyar Bancorp's annual revenue?
Magyar Bancorp (MGYR) reported $54.7M in total revenue for fiscal year 2025. This represents a 12.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Magyar Bancorp's revenue growing?
Magyar Bancorp (MGYR) revenue grew by 12.6% year-over-year, from $48.6M to $54.7M in fiscal year 2025.
Is Magyar Bancorp profitable?
Yes, Magyar Bancorp (MGYR) reported a net income of $9.8M in fiscal year 2025, with a net profit margin of 17.8%.
What is Magyar Bancorp's earnings per share (EPS)?
Magyar Bancorp (MGYR) reported diluted earnings per share of $1.56 for fiscal year 2025. This represents a 26.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Magyar Bancorp have?
As of fiscal year 2025, Magyar Bancorp (MGYR) had $7.1M in cash and equivalents against $49.1M in long-term debt.
What is Magyar Bancorp's net profit margin?
Magyar Bancorp (MGYR) had a net profit margin of 17.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Magyar Bancorp pay dividends?
Yes, Magyar Bancorp (MGYR) paid $0.29 per share in dividends during fiscal year 2025.
What is Magyar Bancorp's return on equity (ROE)?
Magyar Bancorp (MGYR) has a return on equity of 8.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Magyar Bancorp's free cash flow?
Magyar Bancorp (MGYR) generated $9.8M in free cash flow during fiscal year 2025. This represents a 78.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Magyar Bancorp's operating cash flow?
Magyar Bancorp (MGYR) generated $10.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Magyar Bancorp's total assets?
Magyar Bancorp (MGYR) had $997.7M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Magyar Bancorp's capital expenditures?
Magyar Bancorp (MGYR) invested $574K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How many shares does Magyar Bancorp have outstanding?
Magyar Bancorp (MGYR) had 6M shares outstanding as of fiscal year 2025.
What is Magyar Bancorp's debt-to-equity ratio?
Magyar Bancorp (MGYR) had a debt-to-equity ratio of 0.41 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Magyar Bancorp's return on assets (ROA)?
Magyar Bancorp (MGYR) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Magyar Bancorp's Piotroski F-Score?
Magyar Bancorp (MGYR) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Magyar Bancorp's earnings high quality?
Magyar Bancorp (MGYR) has an earnings quality ratio of 1.06x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Magyar Bancorp?
Magyar Bancorp (MGYR) scores 71 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.