Latest Ratios: P/E Ratio 11.1x · EV/EBITDA 7.7x · ROE N/A. (2003–2026 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $142M | $120M | $108M | $78M | $66M | $84M | $69M | $39M | $56M | $58M | $59M |
| Enterprise Value | $142M | — | $150M | $81M | $27M | $74M | $17M | $45M | $71M | $78M | $69M |
| P/E Ratio → | 11.07 | 9.57 | 11.07 | 10.02 | 8.54 | 10.62 | 11.34 | 17.97 | 18.84 | 28.46 | 41.79 |
| P/S Ratio | 3.48 | 2.96 | 3.02 | 2.48 | 2.17 | 2.84 | 2.41 | 1.72 | 2.54 | 2.69 | 2.98 |
| P/B Ratio | — | — | 0.91 | 0.71 | 0.63 | 0.86 | 0.71 | 0.69 | 1.03 | 1.12 | 1.20 |
| P/FCF | — | — | 10.97 | 14.19 | 8.06 | 7.80 | 7.82 | 59.01 | 9.84 | 13.32 | 18.01 |
| P/OCF | — | — | 10.36 | 12.37 | 7.76 | 7.53 | 7.47 | 48.36 | 9.75 | 12.50 | 16.51 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | — | 4.20 | 2.57 | 0.90 | 2.48 | 0.60 | 1.97 | 3.20 | 3.62 | 3.46 |
| EV / EBITDA | 7.73 | — | 10.14 | 6.76 | 2.35 | 6.14 | 1.81 | 11.36 | 13.87 | 17.86 | 21.35 |
| EV / EBIT | 8.02 | — | 10.83 | 7.31 | 2.53 | 6.60 | 1.98 | 14.48 | 16.70 | 22.26 | 28.56 |
| EV / FCF | — | — | 15.24 | 14.73 | 3.33 | 6.82 | 1.96 | 67.54 | 12.41 | 17.96 | 20.91 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 97.7% | 97.7% | 98.9% | 99.7% | 98.7% | 99.0% | 94.3% | 92.7% | 97.0% | 95.4% | 93.3% |
| Operating Margin | 43.5% | 43.5% | 38.8% | 35.2% | 35.3% | 37.6% | 30.4% | 13.6% | 19.2% | 16.3% | 12.1% |
| Net Profit Margin | 30.9% | 30.9% | 27.4% | 24.7% | 25.4% | 26.6% | 21.3% | 9.6% | 13.5% | 9.4% | 7.1% |
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | 8.5% | 7.2% | 7.6% | 8.1% | 7.9% | 3.9% | 5.7% | 4.0% | 2.9% |
| ROA | — | — | 1.0% | 0.8% | 0.9% | 1.0% | 0.8% | 0.3% | 0.5% | 0.3% | 0.2% |
| ROIC | 54.0% | 54.0% | 6.7% | 6.0% | 6.3% | 7.0% | 5.3% | 2.2% | 3.6% | 3.1% | 2.2% |
| ROCE | — | — | 8.3% | 7.5% | 7.9% | 8.6% | 6.5% | 2.6% | 4.4% | 3.9% | 2.7% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | 0.41 | 0.26 | 0.32 | 0.21 | 0.24 | 1.19 | 0.66 | 0.69 | 0.65 |
| Debt / EBITDA | — | — | 3.33 | 2.38 | 2.93 | 1.70 | 2.44 | 17.00 | 7.05 | 8.14 | 9.87 |
| Net Debt / Equity | — | — | 0.35 | 0.03 | -0.37 | -0.11 | -0.53 | 0.10 | 0.27 | 0.39 | 0.19 |
| Net Debt / EBITDA | — | — | 2.85 | 0.25 | -3.34 | -0.88 | -5.42 | 1.43 | 2.87 | 4.62 | 2.96 |
| Debt / FCF | — | — | 4.28 | 0.54 | -4.73 | -0.98 | -5.87 | 8.52 | 2.57 | 4.65 | 2.90 |
| Interest Coverage | 0.77 | 0.77 | 0.61 | 0.54 | 1.04 | 4.50 | 2.97 | 0.56 | 0.64 | 0.75 | 0.64 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | 0.04 | 0.06 | 0.11 | 0.06 | 0.14 | 0.13 | 0.08 | 0.08 | 0.07 |
| Quick Ratio | — | — | 0.04 | 0.06 | 0.11 | 0.06 | 0.14 | 0.13 | 0.08 | 0.08 | 0.07 |
| Cash Ratio | — | — | 0.01 | 0.03 | 0.10 | 0.05 | 0.12 | 0.10 | 0.04 | 0.03 | 0.04 |
| Asset Turnover | — | — | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.03 | 0.04 | 0.03 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | 1.7% | 2.1% | 2.0% | 1.7% | — | — | — | — | — |
| Payout Ratio | — | — | 18.7% | 21.6% | 17.1% | 18.0% | — | — | — | — | — |
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 9.0% | 10.4% | 9.0% | 10.0% | 11.7% | 9.4% | 8.8% | 5.6% | 5.3% | 3.5% | 2.4% |
| FCF Yield | — | — | 9.1% | 7.0% | 12.4% | 12.8% | 12.8% | 1.7% | 10.2% | 7.5% | 5.6% |
| Buyback Yield | — | — | 0.8% | 3.0% | 1.8% | 5.4% | 4.7% | 0.2% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 0.0% | 0.0% | 2.5% | 5.2% | 3.8% | 7.1% | 4.7% | 0.2% | 0.0% | 0.0% | 0.0% |
| Shares Outstanding | — | $6M | $6M | $6M | $6M | $7M | $6M | $6M | $6M | $6M | $6M |
Includes 30+ ratios · 24 years · Updated daily
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10-year return with dividends reinvested.
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Quick answers to the most common questions about buying MGYR stock.
Magyar Bancorp, Inc.'s current P/E ratio is 11.1x. The historical average is 33.9x. This places it at the 35th percentile of its historical range.
Magyar Bancorp, Inc.'s current EV/EBITDA is 7.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 23.8x.
Based on historical data, Magyar Bancorp, Inc. is trading at a P/E of 11.1x. This is at the 35th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Magyar Bancorp, Inc. has 97.7% gross margin and 43.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Key Metrics
Top Statement Risk
Localized CRE concentration risk
Metrics are mathematically derived from official filings.
Discounted Valuation Reflects Localized Constraints
According to current market data, Magyar Bancorp trades at a P/B of 0.93, suggesting that investors are pricing the bank at a discount to its tangible book value, likely reflecting concerns over its narrow geographic footprint and limited liquidity compared to broader regional banking peers.
The current valuation multiple implies that the market does not yet assign a premium to the bank's specialized New Jersey franchise. Investors should monitor whether the bank's ability to maintain a 12% revenue growth rate can eventually drive a re-rating toward parity with its tangible book value.
ROE Compression Amidst Margin Headwinds
As reported in financial statements, the bank's ROE has remained in a narrow range between 1.6% and 2.6% over the last ten quarters, indicating that profitability is currently constrained by a low net interest margin and a reliance on a high-cost physical branch network.
The DuPont decomposition suggests that the bank's profitability is primarily driven by asset utilization rather than high-margin fee income. The modest ROE levels appear to be a structural outcome of the bank's conservative balance sheet management and the competitive pressures inherent in the Central Jersey deposit market.
Efficiency Gains Offsetting Margin Pressure
Based on the provided quarterly data, Magyar Bancorp has successfully improved its efficiency ratio from 41.0% in 2024Q1 to 35.2% in 2026Q2, demonstrating that management is effectively controlling operating expenses despite the persistent pressure on net interest margins within the current interest rate environment.
The improvement in the efficiency ratio suggests that the bank is achieving better operating leverage, which is critical given the stagnant NIM. However, investors should monitor whether further cost-cutting can be sustained without compromising the relationship-based lending model that supports the bank's core revenue streams.
Stable Capitalization Supports Asset Growth
According to recent regulatory filings, the bank has maintained a consistent equity-to-assets ratio of approximately 0.12 over the last ten quarters, which indicates a disciplined approach to capital preservation while supporting the steady expansion of the overall balance sheet in a competitive regional market.
This stable capital position provides a buffer against potential credit volatility in the multi-family and CRE portfolios. While the current capital levels appear adequate, the bank's limited cash reserves may restrict its ability to pursue aggressive organic growth or significant capital return programs in the near term.
P/E Ratio Misleading Due to Provisions
The P/E ratio is frequently misapplied to Magyar Bancorp because it fails to account for the volatility introduced by CECL-based loan loss provisions, which can artificially depress or inflate earnings in any given quarter, thereby obscuring the bank's true recurring earnings power and operational efficiency.
Investors should prioritize P/TBV and core pre-provision net revenue (PPNR) over P/E to better assess the bank's valuation. Relying on P/E in this context may lead to erroneous conclusions regarding the bank's profitability, as it ignores the non-cash nature of provision adjustments that do not reflect actual credit losses.