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Magyar Bancorp Inc

Magyar Bancorp Inc

MGYR · NASDAQ · Financial Services / Banks - Regional

22.00USD+0.06 (+0.27%)

Price History

Full chart

Market Stats

Previous Close21.94
Open22.00
Day Range21.39 – 22.00
52-Week Range15.85 – 19.90
Volume6.36K
Market Cap125.88M
P/E (TTM)10.43
Forward P/E0.00
EPS1.87
Dividend Yield2.07%
Beta0.23
50-Day Avg19.16
200-Day Avg17.96

About

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States. It accepts various deposit accounts, including demand, savings, NOW, money market, and retirement accounts, as well as certificates of deposit. The company provides one-to four-family residential mortgage loans, multi-family and commercial real estate mortgage loans, home equity loans and lines of credit, commercial business loans, and construction loans, as well as small business administration loans. In addition, it offers non-deposit investment products and financial planning services, including insurance products, fixed and variable annuities, and retirement planning for individual and commercial customers; and buys, sells, and holds investment securities. Magyar Bancorp, Inc. was founded in 1922 and is headquartered in New Brunswick, New Jersey.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. John S. Fitzgerald
  • Employees91
  • Headquarters400 Somerset Street, New Brunswick, NJ, United States, 08901, USA
  • Websitehttps://www.magbank.com

Leadership

  • Mr. John S. FitzgeraldPresident, CEO & Director · b. 1964
  • Mr. Jon R. Ansari M.B.A.Executive VP, CFO & Director · b. 1974
  • Mr. Peter McIntyre BrownSenior VP & Chief Lending Officer · b. 1965
  • Mr. John ReissnerCorporate Secretary, First VP & Investor Relations Officer

Financials

Income Statement

Currency: USD2003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Total Revenue6.41M5.26M19.23M24.57M30.68M30.28M29.42M27.41M24.73M22.63M21.21M20.48M21.15M22.38M23.71M26.15M28.95M28.34M31.62M32.22M30.42M52.12M58.42M
Growth (%)--17.95%+265.76%+27.80%+24.86%-1.30%-2.86%-6.81%-9.79%-8.50%-6.25%-3.48%+3.29%+5.79%+5.95%+10.30%+10.72%-2.13%+11.59%+1.89%-5.59%+71.37%+12.08%
Cost of Revenue5.44M4.46M6.91M11.35M15.95M18.55M20.40M12.04M9.15M7.27M6.46M4.85M4.46M4.90M5.12M5.65M7.38M7.18M4.57M2.79M10.71M20.69M23.21M
Gross Profit970.00K796.00K12.32M13.22M14.74M11.74M9.02M15.38M15.58M15.36M14.75M15.63M16.69M17.48M18.59M20.50M21.57M21.16M27.05M29.43M30.42M31.44M35.21M
Gross Margin15.14%15.14%64.06%53.82%48.03%38.76%30.65%56.08%62.99%67.87%69.54%76.33%78.91%78.11%78.42%78.41%74.52%74.66%85.55%91.35%100.00%60.31%60.27%
Operating Expense-1.18M-73.00K9.81M13.35M13.76M14.60M15.08M15.17M15.78M14.73M14.47M14.87M15.38M15.72M16.18M17.00M17.31M18.05M18.32M18.26M19.68M20.34M21.40M
Operating Income2.15M869.00K2.51M-123.00K973.00K-2.86M-6.07M201.00K-206.00K630.00K283.00K759.00K1.31M1.75M2.42M3.50M4.26M3.11M8.72M11.17M10.74M11.10M13.81M
Operating Margin33.57%16.53%13.06%-0.50%3.17%-9.45%-20.62%0.73%-0.83%2.78%1.33%3.71%6.19%7.84%10.19%13.39%14.72%10.98%27.59%34.67%35.31%21.30%23.64%
EBITDA2.66M1.37M3.20M1.04M2.28M-1.81M-4.95M1.34M768.00K1.56M1.21M1.68M2.15M2.53M3.23M4.36M5.13M3.96M9.56M12.01M10.74M11.99M14.75M
EBITDA Margin41.55%26.10%16.62%4.24%7.42%-5.99%-16.82%4.88%3.11%6.92%5.70%8.19%10.19%11.32%13.64%16.68%17.73%13.99%30.23%37.27%35.31%23.00%25.24%
Net Income1.53M612.00K1.56M5.00K716.00K-2.94M-6.12M3.94M-249.00K509.00K262.00K574.00K897.00K1.09M1.42M2.03M3.00M2.19M6.12M7.92M7.71M7.78M9.76M
Net Income Margin23.83%11.64%8.11%0.02%2.33%-9.72%-20.80%14.38%-1.01%2.25%1.23%2.80%4.24%4.88%6.00%7.76%10.35%7.73%19.36%24.58%25.35%14.93%16.71%
R&D--------00000000-------
R&D as % of Total Revenue--------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense5.21M4.26M6.02M10.39M15.55M14.29M12.19M9.31M7.41M5.81M4.35M3.46M3.20M3.53M3.77M4.65M6.71M5.51M2.94M2.48M10.33M20.60M22.81M
Interest Expense % of Total Revenue81.27%81.02%31.31%42.27%50.67%47.19%41.43%33.96%29.95%25.67%20.51%16.90%15.11%15.78%15.91%17.78%23.18%19.46%9.30%7.71%33.98%39.52%39.05%

Balance Sheet

Currency: USD2003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Total Assets273.91M287.08M359.70M434.20M473.18M514.27M565.21M537.95M524.04M508.85M537.73M530.43M550.57M584.38M603.04M623.97M630.33M754.00M773.99M798.54M907.29M951.92M997.66M
Total Liabilities251.25M263.97M335.32M385.99M424.98M468.45M525.18M493.77M479.53M463.84M492.41M484.50M503.90M536.65M553.59M572.61M575.68M697.15M676.35M700.04M802.50M841.37M878.82M
Total Equity22.66M23.11M24.39M48.21M48.19M45.83M40.03M44.18M44.51M45.01M45.32M45.93M46.67M47.73M49.46M51.36M54.65M56.85M97.64M98.50M104.79M110.55M118.84M
Cash8.55M4.97M3.21M6.02M5.23M5.01M7.92M21.09M15.03M10.04M17.79M10.26M18.11M21.81M22.33M15.37M21.47M61.73M75.20M30.94M72.53M25.60M7.09M
Total Debt10.53M25.40M51.37M53.00M49.98M87.93M71.37M60.77M49.92M41.50M32.10M30.50M31.59M36.04M31.91M35.52M36.19M67.41M23.36M20.37M33.90M28.57M49.05M
Net Debt1.98M20.43M48.16M46.98M44.75M82.92M63.45M39.68M34.88M31.46M14.31M20.24M13.49M14.23M9.57M20.16M14.72M5.68M-51.84M-10.57M-38.63M2.97M41.97M

Cash Flow

Currency: USD2003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Operating Cash Flow2.04M1.09M-2.71M10.03M1.66M10.38M7.91M7.55M16.00M12.82M10.91M5.56M12.50M8.51M3.60M4.62M5.79M814.00K9.26M11.20M8.48M6.32M10.39M
Investing Cash Flow-19.78M-17.88M-69.73M-78.80M-40.97M-53.08M-60.05M35.25M-7.70M-658.00K-30.82M-6.76M-23.71M-36.01M-21.76M-30.49M-405.00K-79.96M-8.20M-69.74M-66.05M-90.29M-64.25M
Financing Cash Flow13.03M13.22M70.68M71.58M38.52M42.47M55.05M-29.63M-14.35M-17.16M27.66M-6.34M19.06M31.19M18.68M18.90M717.00K119.40M12.41M14.28M99.17M37.04M35.35M
Capital Expenditure142.00K271.00K11.67M3.23M1.76M358.00K428.00K657.00K1.41M314.00K266.00K138.00K83.00K184.00K299.00K284.00K53.00K147.00K420.00K387.00K309.00K812.00K574.00K
Free Cash Flow1.90M818.00K-14.38M6.80M-96.00K10.03M7.48M6.90M14.60M12.51M10.64M5.43M12.42M8.33M3.30M4.34M5.74M667.00K8.84M10.81M8.48M5.51M9.81M
Dividends Paid---22.48M----000000001.43M1.43M3.27M1.43M1.31M1.68M1.82M
FCF to OCF93.04%75.11%530.42%67.83%-5.78%96.55%94.59%91.30%91.21%97.55%97.56%97.52%99.34%97.84%91.70%93.86%99.08%81.94%95.46%96.54%100.00%87.15%94.47%
Dividend Paid to FCF---330.38%----0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%24.88%213.94%37.02%13.20%15.50%30.49%18.57%

Earnings

Report DateMay 31, 2006Nov 29, 2006Feb 28, 2007Apr 25, 2007Jul 25, 2007Nov 7, 2007Jan 23, 2008Apr 24, 2008Jul 29, 2008Nov 12, 2008Jan 30, 2009Apr 28, 2009Aug 14, 2009Dec 22, 2009Jan 29, 2010Apr 26, 2010Aug 16, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Apr 25, 2017Sep 30, 2017Nov 2, 2017Jan 25, 2018Apr 25, 2018Jul 24, 2018Nov 7, 2018Jan 24, 2019Apr 23, 2019Jul 22, 2019Nov 12, 2019Jan 23, 2020Apr 27, 2020Jul 23, 2020Nov 4, 2020Jan 25, 2021Apr 20, 2021Jul 26, 2021Nov 3, 2021Jan 27, 2022Apr 20, 2022Jul 26, 2022Nov 3, 2022Jan 26, 2023Apr 20, 2023Jul 20, 2023Oct 30, 2023Feb 22, 2024Apr 23, 2024Jul 25, 2024Oct 31, 2024Jan 23, 2025Apr 30, 2025Jul 23, 2025Oct 30, 2025Jan 21, 2026Apr 28, 2026Jul 23, 2026Oct 29, 2026
EPS Estimate---0.040.050.040.04-------------------------------------0.00--------------------------------0.00----
EPS Actual-0.090.030.040.030.030.020.02-0.040.04-0.43-0.550.06-0.390.010.000.040.500.02-0.060.00-0.010.010.000.030.050.05-0.060.030.020.020.010.030.030.030.030.040.050.050.030.040.060.060.050.050.080.050.120.070.100.120.120.130.120.140.100.050.090.140.230.260.290.230.250.250.310.360.280.280.300.340.260.300.271.230.330.430.400.400.500.480.49-
Surprise----25.00%-40.00%-50.00%-50.00%---------------------------------------------------------------------------
Timing---After-hoursAfter-hoursAfter-hoursAfter-hours---------------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-Pre-marketPre-market--

Key Statistics & Ratios

Market Cap125.88M
Enterprise Value165.52M
Trailing P/E10.43
Forward P/E0.00
PEG Ratio0.00
Price / Sales3.28
Price / Book0.95
EPS1.87
Book Value19.61
Revenue (TTM)38.35M
Gross Profit (TTM)38.35M
Profit Margin30.73%
Operating Margin45.26%
Return on Equity9.70%
Return on Assets1.16%
Shares Outstanding6.46M
Shares Float5.80M
Beta0.23
Dividend Yield2.07%
Dividend Rate0.40
Payout Ratio20.31%

Ownership Breakdown

Institutions
31.77%
Insiders
16.39%
Retail / Other
51.84%

Top Institutional Holders

  • AllianceBernstein L.P.
    638.18K9.89%
  • M3F, Inc.
    283.89K4.40%
  • Maltese Capital Management LLC
    257.08K3.98%
  • Truffle Hound Capital, LLC
    200.00K3.10%
  • PL Capital Advisors, LLC
    183.32K2.84%
  • Dimensional Fund Advisors, Inc.
    135.44K2.10%
  • Vanguard Capital Management, LLC
    62.88K0.97%
  • Geode Capital Management, LLC
    53.92K0.84%
  • CI Private Wealth LLC
    40.00K0.62%
  • Stilwell Value LLC
    40.00K0.62%
  • Vanguard Fiduciary Trust Co
    30.68K0.48%
  • First Manhattan Co. LLC
    28.02K0.43%
  • Northern Trust Corp
    26.30K0.41%
  • Oppenheimer & Close Inc
    24.08K0.37%
  • Renaissance Technologies Corp
    22.79K0.35%
  • BlackRock Inc
    15.11K0.23%

Top Fund Holders

  • DFA US Small Cap Value I
    45.41K0.70%
  • Fidelity Extended Market Index
    28.47K0.44%
  • DFA US Micro Cap I
    25.05K0.39%
  • iShares Micro-Cap ETF
    19.03K0.29%

Dividends

20264×
0.12Nov 10, 20260.10Aug 6, 20260.10May 7, 20260.10Feb 12, 2026
20254×
0.08Nov 13, 20250.08Aug 7, 20250.06May 14, 20250.06Feb 6, 2025
20245×
0.04Dec 6, 20240.05Nov 14, 20240.05Aug 8, 20240.05May 6, 20240.05Feb 7, 2024
20235×
0.07Nov 27, 20230.04Nov 8, 20230.03Aug 2, 20230.03May 3, 20230.03Feb 8, 2023
20225×
0.08Nov 28, 20220.03Nov 9, 20220.03Aug 3, 20220.03May 4, 20220.03Feb 9, 2022
20211×
0.12Nov 29, 2021

Stock Splits

  • Jul 15, 20211221:1000