Magyar Bancorp Financials
Magyar Bancorp (MGYR) reported $54.7M in revenue for fiscal year 2025, up 12.6% from the prior fiscal year. 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).
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
Most profit is being retained rather than paid out: retained earnings rose from
Financial Health Signals
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.
Not available for Magyar Bancorp, and counted as zero in the overall score.
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.
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
Earnings & Revenue
Magyar Bancorp generated $54.7M in revenue in fiscal year 2025. This represents an increase of 12.6% 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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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 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.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
MGYR Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $59.0M | $54.7M+12.6% | $48.6M+27.6% | $38.1M+29.0% | $29.5M+3.4% | $28.5M+5.9% | $26.9M-0.6% | $27.1M+11.3% | $24.4M+10.8% | $22.0M+7.5% | $20.5M+5.2% | $19.4M-0.5% | $19.5M-0.7% | $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 (Diluted) | — | $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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
MGYR Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Goodwill, Current Liabilities.
MGYR Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
MGYR Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 17.8%+1.8pp | 16.0%-4.2pp | 20.3%-6.6pp | 26.8%+5.4pp | 21.4%+13.3pp | 8.1%-2.9pp | 11.1%+2.7pp | 8.3%+1.9pp | 6.5%+1.1pp | 5.3%+0.7pp | 4.6%+1.7pp | 2.9%+1.6pp | 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 |
| FCF Margin | 17.9%+6.6pp | 11.3% | N/A | 27.8%-3.2pp | 31.0%+28.5pp | 2.5%-18.7pp | 21.2%+3.3pp | 17.8%+2.8pp | 15.0%-25.7pp | 40.7%-23.2pp | 63.9%+36.1pp | 27.8%-26.3pp | 54.1%-6.0pp | 60.1%-5.5pp | 65.6% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Magyar Bancorp Ranks
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.
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 54 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.