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.

Magyar Bancorp Financials

MGYR

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE September

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).

Rhea AI MGYR FY2025 2026-05-13

Returns are being driven by balance-sheet leverage, with ROA below 1.0% still producing stronger equity returns.

FY2025 earnings converted into cash more cleanly than FY2024: operating cash flow of $10.4M slightly exceeded net income of $9.8M, after cash had trailed profit a year earlier. That matters because the latest profit improvement came with better cash realization, not just a larger accounting result.

This is an asset-heavy spread business: ROA stayed below 1.0% from FY2023 through FY2025, while ROE still reached 8.2% in FY2025 because liabilities fund most assets. That means shareholder returns are being lifted more by balance-sheet structure than by wide operating margins, so relatively small shifts in asset yield or funding cost can have an outsized effect.

Most profit is being retained rather than paid out: retained earnings rose from $52.2M in FY2023 to $66.6M in FY2025 even as dividends continued. That retained capital helped support a balance sheet nearing $1.0B while cash fell to $7.1M, showing expansion is being financed through the broader funding base instead of sitting in large idle cash reserves.

Financial Health Signals

Financial Health Score 53/100

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'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

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

6/7

Magyar Bancorp passes 6 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), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.06x

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.

Key Financial Metrics

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Earnings & Revenue

Revenue

$54.7M

YoY+12.6%

5Y CAGR+15.2%

10Y CAGR+10.9%

Magyar Bancorp generated $54.7M in revenue in fiscal year 2025. This represents an increase of 12.6% from the prior year.

EBITDA

N/A

Net Income

$9.8M

YoY+25.4%

5Y CAGR+34.8%

10Y CAGR+27.0%

Magyar Bancorp reported $9.8M in net income in fiscal year 2025. This represents an increase of 25.4% from the prior year.

EPS (Diluted)

$1.56

YoY+26.8%

10Y CAGR+26.4%

Magyar Bancorp earned $1.56 per diluted share (EPS) in fiscal year 2025. This represents an increase of 26.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$9.8M

YoY+78.3%

5Y CAGR+71.2%

10Y CAGR-2.3%

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.

Cash & Debt

$7.1M

YoY-72.3%

5Y CAGR-35.1%

10Y CAGR-9.0%

Magyar Bancorp held $7.1M in cash against $49.1M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.29

YoY+11.5%

Magyar Bancorp paid $0.29 per share in dividends in fiscal year 2025. This represents an increase of 11.5% from the prior year.

Shares Outstanding

YoY-0.5%

5Y CAGR+2.2%

10Y CAGR+1.1%

Magyar Bancorp had 6M shares outstanding in fiscal year 2025. This represents a decrease of 0.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

17.8%

YoY+1.8pp

5Y CAGR+9.7pp

10Y CAGR+13.2pp

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.

Return on Equity

8.2%

YoY+1.2pp

5Y CAGR+4.4pp

10Y CAGR+6.3pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$574K

YoY-29.3%

5Y CAGR+31.3%

10Y CAGR+21.3%

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	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$54.7M+12.6%	$48.6M+27.6%	$38.1M+29.0%	$29.5M+3.4%	$28.5M+5.9%	$26.9M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$12.7M+7.6%	$11.8M+1408.0%	$784K+43.6%	$546K-94.9%	$10.6M+3.3%	$10.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$22.8M+10.7%	$20.6M+99.3%	$10.3M+316.0%	$2.5M-15.5%	$2.9M-46.7%	$5.5M
Income Tax	$4.0M+22.1%	$3.3M+9.4%	$3.0M-6.7%	$3.3M+24.8%	$2.6M+182.8%	$921K
Net Income	$9.8M+25.4%	$7.8M+1.0%	$7.7M-2.7%	$7.9M+29.4%	$6.1M+179.5%	$2.2M
EPS (Diluted)	$1.56+26.8%	$1.23+2.5%	$1.20+2.6%	$1.17+15.8%	$1.01	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$15.0M+2.7%	$14.6M+1.9%	$14.3M+2.1%	$14.0M+3.4%	$13.5M+4.8%	$12.9M+1.1%	$12.8M+3.6%	$12.3M
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	$3.4M+6.1%	$3.2M-4.1%	$3.3M+6.5%	$3.1M-3.8%	$3.2M+4.7%	$3.1M+0.2%	$3.1M+6.3%	$2.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.7M+0.4%	$5.7M-3.2%	$5.9M+1.4%	$5.8M+2.9%	$5.6M+3.4%	$5.5M-4.9%	$5.7M+3.6%	$5.5M
Income Tax	$1.2M+8.5%	$1.1M-0.3%	$1.1M+14.0%	$1.0M-8.3%	$1.1M+36.0%	$805K-49.4%	$1.6M+217.4%	$501K
Net Income	$3.0M-3.4%	$3.1M+24.2%	$2.5M+2.2%	$2.5M-7.9%	$2.7M+28.6%	$2.1M-18.0%	$2.5M+50.4%	$1.7M
EPS (Diluted)	$0.48-4.0%	$0.50	N/A	$0.40-7.0%	$0.43+30.3%	$0.33	N/A	$0.27

MGYR Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$997.7M+4.8%	$951.9M+4.9%	$907.3M+13.6%	$798.5M+3.2%	$774.0M+2.7%	$754.0M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$7.1M-72.3%	$25.6M-64.7%	$72.5M+134.5%	$30.9M-58.9%	$75.2M+21.8%	$61.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	$540K	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$878.8M+4.5%	$841.4M+4.8%	$802.5M+14.6%	$700.0M+3.5%	$676.3M-3.0%	$697.1M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$49.1M+71.7%	$28.6M-3.2%	$29.5M	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
Retained Earnings	$66.6M+13.5%	$58.6M+12.4%	$52.2M+14.0%	$45.8M+16.5%	$39.3M+18.5%	$33.2M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.1B+2.2%	$1.0B+4.8%	$997.7M+1.0%	$987.5M-3.4%	$1.0B+1.3%	$1.0B+5.9%	$951.9M+0.8%	$944.4M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$47.6M+39.7%	$34.1M+381.4%	$7.1M+0.5%	$7.1M-90.3%	$72.9M+24.6%	$58.5M+128.7%	$25.6M-47.8%	$49.0M
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	$944.2M+2.2%	$923.8M+5.1%	$878.8M+0.9%	$871.2M-4.0%	$907.6M+1.2%	$896.7M+6.6%	$841.4M+0.7%	$835.3M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$49.1M0.0%	$49.1M0.0%	$49.1M+36.1%	$36.1M+6.3%	$33.9M+11.5%	$30.4M+6.5%	$28.6M	N/A
Total Equity	$124.2M+2.0%	$121.7M+2.4%	$118.8M+2.2%	$116.3M+1.8%	$114.3M+2.3%	$111.7M+1.0%	$110.5M+1.4%	$109.0M
Retained Earnings	$71.6M+3.5%	$69.2M+4.0%	$66.6M+3.1%	$64.6M+3.3%	$62.5M+3.8%	$60.2M+2.6%	$58.6M+4.0%	$56.4M

MGYR Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$10.4M+64.4%	$6.3M-25.5%	$8.5M-24.3%	$11.2M+21.0%	$9.3M+1037.5%	$814K
Capital Expenditures	$574K-29.3%	$812K	N/A	$3.0M+614.3%	$420K+185.7%	$147K
Free Cash Flow	$9.8M+78.3%	$5.5M	N/A	$8.2M-7.2%	$8.8M+1225.2%	$667K
Investing Cash Flow	-$64.3M+28.8%	-$90.3M-36.7%	-$66.1M+5.3%	-$69.7M-750.8%	-$8.2M+89.7%	-$80.0M
Financing Cash Flow	$35.4M-4.6%	$37.0M-62.7%	$99.2M+594.6%	$14.3M+15.0%	$12.4M-89.6%	$119.4M
Dividends Paid	$1.8M+8.6%	$1.7M	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$3.2M-12.1%	$3.7M+29.1%	$2.8M+26.2%	$2.3M-5.3%	$2.4M-18.2%	$2.9M+240.1%	$855K-49.3%	$1.7M
Capital Expenditures	$329K+8125.0%	$4K-92.3%	$52K+15.6%	$45K-55.9%	$102K-72.8%	$375K-10.3%	$418K+196.5%	$141K
Free Cash Flow	$2.9M-20.9%	$3.7M+31.4%	$2.8M+26.4%	$2.2M-3.0%	$2.3M-10.1%	$2.5M+479.6%	$437K-71.7%	$1.5M
Investing Cash Flow	-$8.6M+59.5%	-$21.1M-128.4%	-$9.2M+71.0%	-$31.9M-5278.9%	$616K+102.6%	-$23.7M+19.3%	-$29.4M-77.0%	-$16.6M
Financing Cash Flow	$18.9M-57.6%	$44.5M+590.9%	$6.4M+117.8%	-$36.2M-417.5%	$11.4M-78.8%	$53.7M+960.6%	$5.1M-63.7%	$14.0M
Dividends Paid	N/A	N/A	$501K	N/A	N/A	N/A	$318K	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

MGYR Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	17.8%+1.8pp	16.0%-4.2pp	20.3%-6.6pp	26.8%+5.4pp	21.4%+13.3pp	8.1%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.41+0.2	0.26-0.0	0.28-6.8	7.11+0.2	6.93-5.3	12.26
FCF Margin	17.9%+6.6pp	11.3%	N/A	27.8%-3.2pp	31.0%+28.5pp	2.5%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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	20.3%-1.3pp	21.5%+3.9pp	17.7%0.0pp	17.7%-2.2pp	19.8%+3.7pp	16.2%-3.8pp	19.9%+6.2pp	13.7%
Return on Equity	2.4%-0.1pp	2.6%+0.5pp	2.1%0.0pp	2.1%-0.2pp	2.4%+0.5pp	1.9%-0.4pp	2.3%+0.8pp	1.6%
Return on Assets	0.3%-0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.2%-0.1pp	0.3%+0.1pp	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	0.400.0	0.41+0.1	0.31+0.0	0.30+0.0	0.27+0.0	0.26-7.4	7.66
FCF Margin	19.4%-5.8pp	25.2%+5.7pp	19.6%+3.8pp	15.8%-1.0pp	16.8%-2.8pp	19.6%+16.2pp	3.4%-9.1pp	12.5%

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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%.

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 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'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 53 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.