Stocks · Financial Services · Banks - Regional
Magyar Bancorp, Inc. MGYR
$18.75 -2.95% Close, Oct 5, 2026 · NASDAQ · Market cap $124.8M
Inexpensive vs sector
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 58 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $1.87, up 19.1% year over year.
- Revenue over the last four quarters was $62.4M, up 7.5% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 47%
- EPS growth (TTM, YoY)Top 50%
- FCF growth (TTM, YoY)Top 18%
- Revenue growth, 3-year CAGRTop 26%
- Revenue growth accelerationBottom 43%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 13%
- Gross marginBottom 40%
- Operating marginTop 37%
- Cash conversion (OCF / net income)Top 42%
- Accruals (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Bottom 37%
- Interest coverBottom 39%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 16%
- Free-cash-flow yieldTop 27%
- EBITDA / enterprise valueTop 29%
- Sales / enterprise valueTop 39%
- P/E vs own 5-year history (lower is better)Top 25%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 45%
- 6-month returnTop 42%
- 1-year return vs S&P 500Top 44%
- Distance from 52-week highTop 30%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 41%
- Maximum drawdown, 3 yearsTop 20%
- Beta vs S&P 500 (lower is better)Top 20%
- Net debt / EBITDA (lower is better)Bottom 37%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 8.6% | 7.5% | ↓ |
| EPS growth (YoY) | 23.6% | 19.1% | ↓ |
| Gross margin | 61.2% | 61.5% | ↑ |
| Operating margin | 24.6% | 26.6% | ↑ |
| FCF margin | 12.9% | 23.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.5% | 8.6% | ↓ | Top 47% |
| EPS growth (TTM, YoY) | 19.1% | 23.6% | ↓ | Top 50% |
| Gross margin | 61.5% | 61.2% | ↑ | Bottom 40% |
| Operating margin | 26.6% | 24.6% | ↑ | Top 37% |
| Net margin | 18.9% | 16.9% | ↑ | — |
| Free-cash-flow margin | 23.9% | 12.9% | ↑ | — |
| Return on invested capital | -1.5% | — | Bottom 13% | |
| Revenue growth, 3-year CAGR | 21.9% | — | Top 26% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.27×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -0.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.73×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.82%
- Net buyback yield (TTM)
- 0.33%
- Shareholder yield
- 2.15%
- Share count change, 1 year
- +1.3%
- Share count change, 3-year CAGR
- -0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -1.4%
- Positive 20 days after report
- 5 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | — | -1.2% | +8.4% | +9.7% | — |
| Apr 23, 2026 | — | -2.1% | -1.5% | -2.0% | -2.4% |
| Jan 29, 2026 | — | -1.7% | -0.7% | -0.6% | -0.7% |
| Oct 30, 2025 | — | +0.1% | -0.9% | -1.4% | +4.8% |
| Jul 24, 2025 | — | -3.3% | -3.4% | +0.8% | -1.2% |
| Apr 30, 2025 | — | -2.6% | +1.5% | +9.5% | +20.1% |
| Jan 23, 2025 | — | -0.6% | +3.0% | +3.5% | -1.6% |
| Oct 31, 2024 | — | +0.1% | -0.2% | +13.0% | +18.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.49 | — | — | $16.1M |
| Apr 23, 2026 | $0.48 | — | — | $15.8M |
| Jan 29, 2026 | $0.50 | — | — | $15.4M |
| Oct 30, 2025 | $0.40 | — | — | $15.1M |
| Jul 24, 2025 | $0.40 | — | — | $14.6M |
| Apr 30, 2025 | $0.43 | — | — | $14.8M |
| Jan 23, 2025 | $0.33 | — | — | $13.9M |
| Oct 31, 2024 | $0.41 | — | — | $14.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.0× | 10.7× | 29th | Top 16% |
| EV / EBITDA | 10.0× | — | — | Top 29% |
| EV / Sales | 2.76× | — | — | Top 39% |
| Free-cash-flow yield | 11.96% | — | — | Top 27% |
| Earnings yield | 9.97% | — | — | Top 16% |
P/E over the past five years
Range 8.1× – 12.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +9.1%
- Earnings per share growth (TTM)
- +19.1%
- Change in P/E multiple
- -4.6%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 58
- 50-day average slope (20 days)
- +3.7%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- -2.9%
- Distance from 200-day average
- +4.1%
- RSI (14)
- 41.1
- Relative volume
- 1.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.7%
- Volatility vs own 5-year history
- 58th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.20
- Correlation with S&P 500
- 0.18
- Current drawdown from 1-year high
- -5.4%
- Maximum drawdown, 3 years
- -12.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Sep 16, 2022 | Oct 30, 2023 | -30.8% | 281 days | 265 days (Nov 18, 2024) |
| Jun 25, 2021 | Aug 4, 2021 | -16.1% | 27 days | 83 days (Dec 1, 2021) |
| Feb 12, 2026 | Mar 20, 2026 | -12.9% | 25 days | 88 days (Jul 28, 2026) |
| Mar 1, 2021 | Mar 15, 2021 | -11.2% | 10 days | 72 days (Jun 25, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $124.8M
- P/E (TTM)
- 10.0
- EPS, diluted (TTM)
- $1.87
- Revenue (TTM)
- $62.4M
- Dividend yield
- 2.03%
- 52-week range
- $16.03 – $20.00
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $31.6M | $32.2M | $40.7M | $52.1M | $58.4M |
| Gross profit | $27.0M | $29.4M | $30.0M | $31.4M | $35.2M |
| Operating income | $8.7M | $11.2M | $10.7M | $11.1M | $13.8M |
| Net income | $6.1M | $7.9M | $7.7M | $7.8M | $9.8M |
| EPS (diluted) | $1.01 | $1.17 | $1.20 | $1.23 | $1.56 |
| Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $14.7M | $13.9M | $14.8M | $14.6M | $15.1M | $15.4M | $15.8M | $16.1M |
| Net income | $2.5M | $2.1M | $2.7M | $2.5M | $2.5M | $3.1M | $3.0M | $3.1M |
| EPS (diluted) | $0.41 | $0.33 | $0.43 | $0.40 | $0.40 | $0.50 | $0.48 | $0.49 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $9.3M | $11.2M | $8.5M | $6.3M | $10.4M |
| Capital expenditure | -$420,000 | -$387,000 | -$309,000 | -$812,000 | -$574,000 |
| Free cash flow | $8.8M | $10.8M | $8.2M | $5.5M | $9.8M |
| Dividends paid | $0 | -$1.4M | -$1.3M | -$1.7M | -$1.8M |
| Net share buybacks | $34.2M | -$4.6M | -$1.2M | -$2.4M | -$844,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $39.4M
- Total assets
- $1.05B
- Total liabilities
- $921.9M
- Total debt
- $49.1M
- Net debt
- $47.0M
- Shareholders’ equity
- $126.6M
As of Jun 30, 2026 (filed Aug 13, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 6, 2026 | $0.10 | Aug 20, 2026 |
| May 7, 2026 | $0.10 | May 21, 2026 |
| Feb 12, 2026 | $0.10 | Feb 26, 2026 |
| Nov 13, 2025 | $0.08 | Nov 25, 2025 |
| Aug 7, 2025 | $0.08 | Aug 21, 2025 |
| May 14, 2025 | $0.06 | May 28, 2025 |
| Feb 6, 2025 | $0.06 | Feb 20, 2025 |
| Dec 6, 2024 | $0.04 | Dec 20, 2024 |
Short interest
- Shares sold short
- 8,505
- Days to cover
- 3.60
- Change vs previous report
- -3.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 15, 2021
- 1,221-for-1,000