What is Magyar Bancorp, Inc.'s earnings per share (EPS)?

Magyar Bancorp, Inc. (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.

Magyar Bancorp, Inc. (MGYR) Financials

MGYR

Trailing 12 months to June 30, 2026

Revenue $59.0M -11.1% YoY

Net Income $11.8M +20.5% YoY

EPS (Diluted) $1.87 +19.1% YoY

Free Cash Flow $14.1M +89.4% YoY

Market Cap $122.4M as of Oct 10, 2026

Price / Sales 2.1x on $59.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.4x on $11.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $126.6M equity, Q3 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2026, ended Jun 30, 2026 Reported Aug 13, 2026 Currency USD FYE September

Newest figures come from the 10-Q for Q3 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MGYR SEC filings page.

Magyar Bancorp, Inc. (MGYR) reported $59.0M in revenue over the twelve months to Jun 30, 2026, down 11.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI MGYR FY2025 2026-10-04

The business operates as a balance-sheet-heavy lender: earnings depend on funding costs, while 2025 cash conversion improved materially.

FY2025 revenue grew 12.6% while net profit margin recovered to 17.8%, showing that FY2024's squeeze was not a permanent earnings reset. Yet interest expense reached $22.8M, so the recovery still operates atop a substantial funding-cost burden.

Total assets expanded to $997.7M while equity reached $118.8M. At about 7.4x equity, liabilities remain the dominant funding source, leaving reported growth structurally reliant on balance-sheet financing rather than accumulated capital.

In FY2025, operating cash flow of $10.4M slightly exceeded net income of $9.8M, indicating reported earnings converted into cash. That is a sharper cash-conversion profile than FY2024, when operating cash flow was $6.3M against $7.8M net income.

Financial Health Signals

Financial Health Score 56/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Magyar Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Magyar Bancorp, Inc. earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and Magyar Bancorp, Inc. scores 54/100 among other banks.

Growth

Magyar Bancorp, Inc. reported revenue of $54.7M in fiscal year 2025, against $48.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Magyar Bancorp, Inc. scores 87/100 among other banks.

Capital

Magyar Bancorp, Inc. funded 11.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $118.8M of equity against $997.7M of assets. Capital ranks banks on that cushion, and Magyar Bancorp, Inc. scores 58/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Magyar Bancorp, Inc. scores 51/100 on it among other banks.

Credit Quality

Not available for Magyar Bancorp, Inc., and counted as zero in the overall score.

Stability

Magyar Bancorp, Inc. reported net income of $9.8M in fiscal year 2025, against $7.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Magyar Bancorp, Inc. scores 86/100 among other banks.

Piotroski F-Score Partial

5/7

Magyar Bancorp, Inc. passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.06x

For every $1 of reported earnings, Magyar Bancorp, Inc. 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.

Key Financial Metrics

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Earnings & Revenue

Revenue

$15.3M

YoY+9.0%

QoQ+2.0%

5Y CAGR+16.3%

10Y CAGR+12.0%

Magyar Bancorp, Inc. generated $15.3M in revenue in Q3 2026. This represents an increase of 9.0% from the same quarter a year earlier. Against the prior quarter it is up 2.0%.

Net Income

$3.1M

YoY+25.2%

QoQ+2.1%

5Y CAGR+13.1%

10Y CAGR+28.5%

Magyar Bancorp, Inc. reported $3.1M in net income in Q3 2026. This represents an increase of 25.2% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.

EPS (Diluted)

$0.49

YoY+22.5%

QoQ+2.1%

5Y CAGR+15.3%

Magyar Bancorp, Inc. earned $0.49 per diluted share (EPS) in Q3 2026. This represents an increase of 22.5% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.

EBITDA

Not reported for Q3 2026.

Cash & Balance Sheet

Free Cash Flow

$4.8M

YoY+115.4%

QoQ+64.0%

Magyar Bancorp, Inc. generated $4.8M in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 115.4% from the same quarter a year earlier. Against the prior quarter it is up 64.0%.

Cash & Debt

$11.5M

YoY+62.7%

QoQ-75.9%

5Y CAGR-38.4%

10Y CAGR-3.2%

Magyar Bancorp, Inc. held $11.5M in cash against $49.1M in long-term debt as of Q3 2026.

Dividends Per Share

$0.10

YoY+66.7%

QoQ0.0%

Magyar Bancorp, Inc. paid $0.10 per share in dividends in Q3 2026. This represents an increase of 66.7% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.1%

QoQ-0.1%

5Y CAGR-1.9%

10Y CAGR+1.0%

Magyar Bancorp, Inc. had 6M shares outstanding in Q3 2026. This represents an increase of 0.1% from the same quarter a year earlier. Against the prior quarter it is down 0.1%.

Margins & Returns

Net Margin

20.3%

YoY+2.6pp

QoQ0.0pp

5Y change-2.9pp

10Y change+15.1pp

Magyar Bancorp, Inc.'s net profit margin was 20.3% in Q3 2026, showing the share of revenue converted to profit. This is up 2.6 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Return on Equity

2.4%

YoY+0.3pp

QoQ0.0pp

5Y change-0.3pp

10Y change+1.9pp

Magyar Bancorp, Inc.'s ROE was 2.4% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q3 2026.

Operating Margin

Not reported for Q3 2026.

Capital Allocation

Capital Expenditures

$462K

YoY+926.7%

QoQ+40.4%

Magyar Bancorp, Inc. invested $462K in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 926.7% from the same quarter a year earlier. Against the prior quarter it is up 40.4%.

R&D Spending

Not reported for Q3 2026.

Share Buybacks

Not reported for Q3 2026.

MGYR Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MGYR quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$59.0M	$54.7M+12.6%	$48.6M+59.7%	$30.4M+2.3%	$29.7M+2.5%	$29.0M+25.4%	$23.1M+2.7%	$22.5M+3.2%	$21.8M+8.0%	$20.2M+6.0%	$19.1M+4.6%	$18.2M+4.1%	$17.5M-11.0%	$19.7M-5.4%	$20.8M-6.4%	$22.2M
SG&A Expenses	$13.2M	$12.7M+7.6%	$11.8M+1408.0%	$784K+43.6%	$546K-94.9%	$10.6M+3.3%	$10.3M+1.5%	$10.1M+4.6%	$9.7M+6.6%	$9.1M+7.1%	$8.5M+4.2%	$8.1M+5.7%	$7.7M+3.8%	$7.4M+1.4%	$7.3M-3.3%	$7.6M
Interest Expense	$23.1M	$22.8M+10.7%	$20.6M+99.3%	$10.3M+316.0%	$2.5M-15.5%	$2.9M-46.7%	$5.5M-17.8%	$6.7M+44.3%	$4.6M+23.2%	$3.8M+6.8%	$3.5M+10.5%	$3.2M-7.6%	$3.5M-20.5%	$4.4M-25.1%	$5.8M-21.6%	$7.4M
Income Tax	$4.8M	$4.0M+22.1%	$3.3M+9.4%	$3.0M-6.7%	$3.3M+24.8%	$2.6M+182.8%	$921K-27.2%	$1.3M-14.0%	$1.5M+48.0%	$994K+49.7%	$664K+60.8%	$413K+123.2%	$185K+781.0%	$21K-82.6%	$121K+181.4%	$43K
Net Income	$11.8M	$9.8M+25.4%	$7.8M+1.0%	$7.7M-2.7%	$7.9M+29.4%	$6.1M+179.5%	$2.2M-26.9%	$3.0M+47.6%	$2.0M+42.7%	$1.4M+30.4%	$1.1M+21.6%	$897K+56.3%	$574K+119.1%	$262K-48.5%	$509K+304.4%	-$249K
EPS (Basic)	N/A	$1.57+27.6%	$1.23+2.5%	$1.20+2.6%	$1.17+15.8%	$1.01	N/A	N/A	$0.35+45.8%	$0.24+26.3%	$0.19+26.7%	$0.15+50.0%	$0.10+100.0%	$0.05-44.4%	$0.09+325.0%	-$0.04
EPS (Diluted)	$1.87	$1.56+26.8%	$1.23+2.5%	$1.20+2.6%	$1.17+15.8%	$1.01	N/A	N/A	$0.35+45.8%	$0.24+26.3%	$0.19+26.7%	$0.15+50.0%	$0.10+100.0%	$0.05-44.4%	$0.09+325.0%	-$0.04
Diluted Shares (Avg)	N/A	6M-1.6%	6M-1.3%	6M-5.3%	7M+12.3%	6M	N/A	N/A	6M0.0%	6M0.0%	6M0.0%	6M+0.1%	6M+0.1%	6M0.0%	6M+0.1%	6M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Revenue	$15.3M+9.0%	$15.0M+10.6%	$14.6M+12.8%	$14.3M-45.0%	$14.0M+94.5%	$13.5M+79.2%	$12.9M+64.3%	$26.0M+231.4%
SG&A Expenses	$3.4M+8.2%	$3.4M+4.2%	$3.2M+2.9%	$3.3M+7.5%	$3.1M+7.3%	$3.2M+7.2%	$3.1M+8.2%	$3.1M+1364.3%
Interest Expense	$5.8M+0.4%	$5.7M+1.3%	$5.7M+4.4%	$5.9M+2.5%	$5.8M+4.8%	$5.6M+13.0%	$5.5M+26.6%	$5.7M+59.2%
Income Tax	$1.3M+25.5%	$1.2M+13.1%	$1.1M+41.7%	$1.1M-28.0%	$1.0M+100.4%	$1.1M+108.2%	$805K+15.0%	$1.6M+135.9%
Net Income	$3.1M+25.2%	$3.0M+13.0%	$3.1M+50.4%	$2.5M-0.7%	$2.5M+46.1%	$2.7M+41.3%	$2.1M+26.2%	$2.5M+16.4%
EPS (Basic)	$0.50+25.0%	$0.49+14.0%	$0.51+50.0%	$0.410.0%	$0.40+48.1%	$0.43+43.3%	$0.34+30.8%	$0.41+20.6%
EPS (Diluted)	$0.49+22.5%	$0.48+11.6%	$0.50+51.5%	$0.40-2.4%	$0.40+48.1%	$0.43+43.3%	$0.33+26.9%	$0.41+20.6%
Diluted Shares (Avg)	6M+0.9%	6M+1.1%	6M+0.6%	N/A	6M-1.6%	6M-2.3%	6M-2.4%	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

MGYR Balance Sheet

MGYR quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$997.7M+4.8%	$951.9M+4.9%	$907.3M+13.6%	$798.5M+3.2%	$774.0M+2.7%	$754.0M+19.6%	$630.3M+1.0%	$624.0M+3.5%	$603.0M+3.2%	$584.4M+6.1%	$550.6M+3.8%	$530.4M-1.4%	$537.7M+5.7%	$508.8M-2.9%	$524.0M
Cash & Equivalents	$7.1M-72.3%	$25.6M-64.7%	$72.5M+134.5%	$30.9M-58.9%	$75.2M+21.8%	$61.7M+187.5%	$21.5M+39.7%	$15.4M-31.2%	$22.3M+2.4%	$21.8M+20.4%	$18.1M+76.5%	$10.3M-42.3%	$17.8M+77.1%	$10.0M-33.2%	$15.0M
Short-Term Investments	$0	$0	$0	$0	$0-100.0%	$6.1M-7.6%	$6.6M+94.1%	$3.4M	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	$540K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$878.8M+4.5%	$841.4M+4.8%	$802.5M+14.6%	$700.0M+3.5%	$676.3M-3.0%	$697.1M+21.1%	$575.7M+0.5%	$572.6M+3.4%	$553.6M+3.2%	$536.7M+6.5%	$503.9M+4.0%	$484.5M-1.6%	$492.4M+6.2%	$463.8M-3.3%	$479.5M
Long-Term Debt	$49.1M+71.7%	$28.6M-3.2%	$29.5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$118.8M+7.5%	$110.5M+5.5%	$104.8M+6.4%	$98.5M+0.9%	$97.6M+71.8%	$56.9M+4.0%	$54.7M+6.4%	$51.4M+3.9%	$49.5M+3.6%	$47.7M+2.3%	$46.7M+1.6%	$45.9M+1.4%	$45.3M+0.7%	$45.0M+1.1%	$44.5M
Retained Earnings	$66.6M+13.5%	$58.6M+12.4%	$52.2M+14.0%	$45.8M+16.5%	$39.3M+18.5%	$33.2M+7.1%	$31.0M+10.7%	$28.0M+8.6%	$25.8M+5.8%	$24.3M+4.7%	$23.3M+3.9%	$22.4M+2.5%	$21.8M+1.1%	$21.6M+2.5%	$21.1M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Total Assets	$1.0B+6.2%	$1.1B+4.6%	$1.0B+3.7%	$997.7M+4.8%	$987.5M+4.6%	$1.0B+10.0%	$1.0B+10.0%	$951.9M+4.9%
Cash & Equivalents	$11.5M+62.7%	$47.6M-34.7%	$34.1M-41.7%	$7.1M-72.3%	$7.1M-85.6%	$72.9M+45.9%	$58.5M+14.5%	$25.6M-64.7%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$921.9M+5.8%	$944.2M+4.0%	$923.8M+3.0%	$878.8M+4.5%	$871.2M+4.3%	$907.6M+10.6%	$896.7M+10.7%	$841.4M+4.8%
Long-Term Debt	$49.1M+36.1%	$49.1M+44.6%	$49.1M+61.2%	$49.1M+71.7%	$36.1M	$33.9M	$30.4M	$28.6M-3.2%
Total Equity	$126.6M+8.9%	$124.2M+8.6%	$121.7M+9.0%	$118.8M+7.5%	$116.3M+6.7%	$114.3M+6.2%	$111.7M+4.8%	$110.5M+5.5%
Retained Earnings	$74.1M+14.7%	$71.6M+14.6%	$69.2M+15.1%	$66.6M+13.5%	$64.6M+14.5%	$62.5M+13.5%	$60.2M+12.5%	$58.6M+12.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.

MGYR Cash Flow Statement

MGYR quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$15.0M	$10.4M+64.4%	$6.3M-25.5%	$8.5M-24.3%	$11.2M+21.0%	$9.3M+1037.5%	$814K-85.9%	$5.8M+25.2%	$4.6M+28.4%	$3.6M-57.7%	$8.5M-31.9%	$12.5M+124.7%	$5.6M-49.0%	$10.9M-14.9%	$12.8M-19.9%	$16.0M
Depreciation & Amortization	N/A	$937K+5.3%	$890K+6.0%	$840K+0.1%	$839K+0.5%	$835K-2.2%	$854K-2.0%	$871K+1.2%	$861K+5.5%	$816K+4.9%	$778K-7.9%	$845K-8.1%	$919K-0.9%	$927K-0.9%	$935K-4.0%	$974K
Stock-Based Compensation	N/A	$621K-3.9%	$646K-2.7%	$664K+10966.7%	$6K	N/A	N/A	N/A	N/A	N/A	$3K-75.0%	$12K-33.3%	$18K0.0%	$18K-90.1%	$181K-55.1%	$403K
Capital Expenditures	$847K	$574K-29.3%	$812K	N/A	$3.0M+614.3%	$420K+185.7%	$147K+177.4%	$53K-81.3%	$284K-5.0%	$299K+62.5%	$184K+121.7%	$83K-39.9%	$138K-48.1%	$266K-15.3%	$314K-77.7%	$1.4M
Free Cash Flow	$14.1M	$9.8M+78.3%	$5.5M	N/A	$8.2M-7.2%	$8.8M+1225.2%	$667K-88.4%	$5.7M+32.2%	$4.3M+31.4%	$3.3M-60.4%	$8.3M-32.9%	$12.4M+128.9%	$5.4M-49.0%	$10.6M-14.9%	$12.5M-14.3%	$14.6M
Investing Cash Flow	-$55.0M	-$64.3M+28.8%	-$90.3M-36.7%	-$66.1M+5.3%	-$69.7M-750.8%	-$8.2M+89.7%	-$80.0M-19642.5%	-$405K+98.7%	-$30.5M-40.1%	-$21.8M+39.6%	-$36.0M	N/A	-$6.8M+78.1%	-$30.8M-4583.3%	-$658K+91.5%	-$7.7M
Financing Cash Flow	$44.5M	$35.4M-4.6%	$37.0M-62.7%	$99.2M+594.6%	$14.3M+15.0%	$12.4M-89.6%	$119.4M+16552.7%	$717K-96.2%	$18.9M+1.2%	$18.7M-40.1%	$31.2M	N/A	-$6.3M-122.9%	$27.7M+261.2%	-$17.2M-19.5%	-$14.4M
Dividends Paid	N/A	$1.8M+8.6%	$1.7M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$45K	N/A

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Operating Cash Flow	$5.2M+131.6%	$3.2M+35.8%	$3.7M+26.4%	$2.8M+232.9%	$2.3M+33.7%	$2.4M+330.4%	$2.9M-9.8%	$855K-78.2%
Depreciation & Amortization	$220K-5.6%	$213K-10.1%	$211K-12.1%	$227K0.0%	$233K+4.5%	$237K+6.3%	$240K+10.6%	$227K+7.1%
Stock-Based Compensation	N/A	N/A	$155K-3.7%	N/A	N/A	$85K-13.3%	$161K0.0%	$98K
Capital Expenditures	$462K+926.7%	$329K+222.5%	$4K-98.9%	$52K-87.6%	$45K-68.1%	$102K-18.4%	$375K+193.0%	$418K
Free Cash Flow	$4.8M+115.4%	$2.9M+27.4%	$3.7M+44.9%	$2.8M+539.4%	$2.2M+43.0%	$2.3M+432.2%	$2.5M-18.2%	$437K
Investing Cash Flow	-$16.1M+49.5%	-$8.6M-1489.4%	-$21.1M+10.9%	-$9.2M+68.5%	-$31.9M-92.2%	$616K+104.7%	-$23.7M+24.3%	-$29.4M-2710.9%
Financing Cash Flow	-$25.3M+30.2%	$18.9M+65.2%	$44.5M-17.2%	$6.4M+27.1%	-$36.2M-359.5%	$11.4M+1.0%	$53.7M+702.5%	$5.1M-88.8%
Dividends Paid	N/A	N/A	N/A	$501K+57.5%	N/A	N/A	N/A	$318K

Not reported in any period shown, so not listed: Share Buybacks.

MGYR Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MGYR quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	17.8%+1.8pp	16.0%-9.3pp	25.4%-1.3pp	26.6%+5.5pp	21.1%+11.6pp	9.5%-3.8pp	13.3%+4.0pp	9.3%+2.3pp	7.0%+1.3pp	5.7%+0.8pp	4.9%+1.6pp	3.3%+2.0pp	1.3%-1.1pp	2.5%+3.6pp	-1.1%
Return on Equity	8.2%+1.2pp	7.0%-0.3pp	7.4%-0.7pp	8.0%+1.8pp	6.3%+2.4pp	3.9%-1.6pp	5.5%+1.5pp	4.0%+1.1pp	2.9%+0.6pp	2.3%+0.4pp	1.9%+0.7pp	1.3%+0.7pp	0.6%-0.5pp	1.1%+1.7pp	-0.6%
Return on Assets	1.0%+0.2pp	0.8%0.0pp	0.9%-0.1pp	1.0%+0.2pp	0.8%+0.5pp	0.3%-0.2pp	0.5%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.1%+0.1pp	0.1%-0.1pp	0.1%+0.1pp	-0.1%
Debt-to-Equity	0.41+0.2x	0.260.0x	0.28-6.8x	7.11+0.2x	6.93-5.3x	12.26+1.7x	10.53-0.6x	11.150.0x	11.19-0.1x	11.24+0.4x	10.80+0.2x	10.55-0.3x	10.87+0.6x	10.31-0.5x	10.77
Asset Turnover	0.050.0x	0.050.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.04
FCF Margin	17.9%+6.6pp	11.3%	N/A	27.6%-2.9pp	30.5%+27.6pp	2.9%-22.6pp	25.5%+5.6pp	19.9%+3.5pp	16.3%-27.4pp	43.7%-24.4pp	68.1%+37.1pp	31.0%-23.1pp	54.1%-6.0pp	60.1%-5.5pp	65.6%

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Net Margin	20.3%+2.6pp	20.3%+0.4pp	21.5%+5.4pp	17.7%+7.9pp	17.7%-5.8pp	19.8%-5.3pp	16.2%-4.9pp	9.8%-18.1pp
Return on Equity	2.4%+0.3pp	2.4%+0.1pp	2.6%+0.7pp	2.1%-0.2pp	2.1%+0.6pp	2.4%+0.6pp	1.9%+0.3pp	2.3%+0.2pp
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.3%0.0pp
Debt-to-Equity	0.39+0.1x	0.40+0.1x	0.40+0.1x	0.41+0.2x	0.31-7.4x	0.30-7.3x	0.27-7.3x	0.260.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.030.0x
FCF Margin	31.2%+15.4pp	19.4%+2.6pp	25.2%+5.6pp	19.6%+17.9pp	15.8%-5.7pp	16.8%+11.2pp	19.6%-19.8pp	1.7%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Magyar Bancorp, Inc. MGYR	FY2025	$54.7M	$9.8M	17.8%	$122.4M	56/100
Bogota Financial Corp. BSBK	FY2025	$17.2M	$2.1M	12.1%	$115.9M	40/100
Sound Financial Bancorp, Inc. SFBC	FY2025	$38.9M	$7.2M	18.4%	$109.0M	25/100
Riverview Bancorp Inc RVSB	FY2026	$43.1M	-$4.3M	-10.1%	$119.1M	25/100
Rhinebeck Bancorp, Inc. RBKB	FY2025	$53.4M	$10.0M	18.8%	$201.1M	23/100
Lake Shore Bancorp, Inc. LSBK	FY2025	$27.8M	$7.3M	26.1%	$143.3M	63/100

Where Magyar Bancorp, Inc. Ranks

Frequently Asked Questions

What is Magyar Bancorp, Inc.'s annual revenue?

Magyar Bancorp, Inc. (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, Inc.'s revenue growing?

Magyar Bancorp, Inc. (MGYR) revenue grew by 12.6% year-over-year, from $48.6M to $54.7M in fiscal year 2025.

Is Magyar Bancorp, Inc. profitable?

Yes, Magyar Bancorp, Inc. (MGYR) reported a net income of $9.8M in fiscal year 2025, with a net profit margin of 17.8%.

How much debt does Magyar Bancorp, Inc. have?

As of fiscal year 2025, Magyar Bancorp, Inc. (MGYR) had $7.1M in cash and equivalents against $49.1M in long-term debt.

What is Magyar Bancorp, Inc.'s net profit margin?

Magyar Bancorp, Inc. (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, Inc. pay dividends?

Yes, Magyar Bancorp, Inc. (MGYR) paid $0.29 per share in dividends during fiscal year 2025.

What is Magyar Bancorp, Inc.'s return on equity (ROE)?

Magyar Bancorp, Inc. (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, Inc.'s free cash flow?

Magyar Bancorp, Inc. (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, Inc.'s operating cash flow?

Magyar Bancorp, Inc. (MGYR) generated $10.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Magyar Bancorp, Inc.'s total assets?

Magyar Bancorp, Inc. (MGYR) had $997.7M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Magyar Bancorp, Inc.'s capital expenditures?

Magyar Bancorp, Inc. (MGYR) invested $574K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Magyar Bancorp, Inc. have outstanding?

Magyar Bancorp, Inc. (MGYR) had 6M shares outstanding as of fiscal year 2025.

What is Magyar Bancorp, Inc.'s debt-to-equity ratio?

Magyar Bancorp, Inc. (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, Inc.'s return on assets (ROA)?

Magyar Bancorp, Inc. (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, Inc.'s P/E ratio?

Magyar Bancorp, Inc. (MGYR) trades at 10.4x earnings, its market capitalization divided by net income of $11.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $122.4M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Magyar Bancorp, Inc.'s price-to-sales ratio?

Magyar Bancorp, Inc. (MGYR) trades at 2.1x sales, its market capitalization divided by revenue of $59.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $122.4M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Magyar Bancorp, Inc.'s Piotroski F-Score?

Magyar Bancorp, Inc. (MGYR) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Magyar Bancorp, Inc.'s earnings high quality?

Magyar Bancorp, Inc. (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, Inc.?

Magyar Bancorp, Inc. (MGYR) scores 56 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.