Magyar Bancorp, Inc. (MGYR) Financial Ratios
23 years of historical data (2003–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
10.49
↑+93% vs avg
5yr avg: 5.44
30Y Low1.8·High66.9
P/FCF
↑
11.48
+18% vs avg
5yr avg: 9.77
30Y Low1.1·High59.0
P/B Ratio
↑
0.91
+20% vs avg
5yr avg: 0.76
30Y Low0.4·High1.3
ROE
↑
8.5%
↓+8% vs avg
5yr avg: 7.9%
30Y Low-14%·High9%
Debt/EBITDA
↑
3.33
↑+30% vs avg
5yr avg: 2.56
30Y Low1.7·High45.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
MGYR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Magyar Bancorp, Inc. trades at 11.2x earnings, 8% above its 5-year average of 10.3x, sitting at the 31st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 17%. On a free-cash-flow basis, the stock trades at 11.5x P/FCF, 18% above the 5-year average of 9.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $113M | $108M | $78M | $66M | $84M | $69M | $39M | $56M | $58M | $59M | $47M |
| Enterprise Value | $155M | $150M | $81M | $27M | $74M | $17M | $45M | $71M | $78M | $69M | $62M |
| P/E Ratio → | 11.15 | 11.07 | 10.02 | 8.54 | 10.62 | 11.34 | 17.97 | 18.84 | 28.46 | 41.79 | 43.47 |
| P/S Ratio | 1.93 | 1.84 | 1.50 | 1.62 | 2.62 | 2.19 | 1.39 | 1.95 | 2.21 | 2.51 | 2.12 |
| P/B Ratio | 0.91 | 0.91 | 0.71 | 0.63 | 0.86 | 0.71 | 0.69 | 1.03 | 1.12 | 1.20 | 0.99 |
| P/FCF | 11.48 | 10.97 | 14.19 | 8.06 | 7.80 | 7.82 | 59.01 | 9.84 | 13.32 | 18.01 | 5.69 |
| P/OCF | 10.85 | 10.36 | 12.37 | 7.76 | 7.53 | 7.47 | 48.36 | 9.75 | 12.50 | 16.51 | 5.57 |
P/E links to full P/E history page with 30-year chart
MGYR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Magyar Bancorp, Inc.'s enterprise value stands at 10.5x EBITDA, 93% above its 5-year average of 5.4x. The Financial Services sector median is 11.4x, placing the stock at a 8% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.56 | 1.56 | 0.67 | 2.29 | 0.55 | 1.59 | 2.46 | 2.98 | 2.91 | 2.76 |
| EV / EBITDA | 10.49 | 10.14 | 6.76 | 2.35 | 6.14 | 1.81 | 11.36 | 13.87 | 17.86 | 21.35 | 24.34 |
| EV / EBIT | 11.20 | 10.83 | 7.31 | 2.53 | 6.60 | 1.98 | 14.48 | 16.70 | 22.26 | 28.56 | 35.14 |
| EV / FCF | — | 15.24 | 14.73 | 3.33 | 6.82 | 1.96 | 67.54 | 12.41 | 17.96 | 20.91 | 7.40 |
MGYR Profitability
Margins and return-on-capital ratios measuring operating efficiency
Magyar Bancorp, Inc. earns an operating margin of 23.6%, above the Financial Services sector average of 21.2%. Operating margins have compressed from 26.4% to 23.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 8.5% is modest, trailing the sector median of 9.4%. ROIC of 6.7% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 60.3% | 60.3% | 60.3% | 73.7% | 91.3% | 85.5% | 74.7% | 74.5% | 78.4% | 78.4% | 78.1% |
| Operating Margin | 23.6% | 23.6% | 21.3% | 26.4% | 34.7% | 27.6% | 11.0% | 14.7% | 13.4% | 10.2% | 7.8% |
| Net Profit Margin | 16.7% | 16.7% | 14.9% | 18.9% | 24.6% | 19.4% | 7.7% | 10.3% | 7.8% | 6.0% | 4.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.5% | 8.5% | 7.2% | 7.6% | 8.1% | 7.9% | 3.9% | 5.7% | 4.0% | 2.9% | 2.3% |
| ROA | 1.0% | 1.0% | 0.8% | 0.9% | 1.0% | 0.8% | 0.3% | 0.5% | 0.3% | 0.2% | 0.2% |
| ROIC | 6.7% | 6.7% | 6.0% | 6.3% | 7.0% | 5.3% | 2.2% | 3.6% | 3.1% | 2.2% | 1.6% |
| ROCE | 2.4% | 2.4% | 7.5% | 7.9% | 8.6% | 6.5% | 2.6% | 4.4% | 3.9% | 2.7% | 2.0% |
MGYR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Magyar Bancorp, Inc. carries a Debt/EBITDA ratio of 3.3x, which is moderately leveraged (19% below the sector average of 4.1x). Net debt stands at $42M ($49M total debt minus $7M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.41 | 0.41 | 0.26 | 0.32 | 0.21 | 0.24 | 1.19 | 0.66 | 0.69 | 0.65 | 0.76 |
| Debt / EBITDA | 3.33 | 3.33 | 2.38 | 2.93 | 1.70 | 2.44 | 17.00 | 7.05 | 8.14 | 9.87 | 14.23 |
| Net Debt / Equity | — | 0.35 | 0.03 | -0.37 | -0.11 | -0.53 | 0.10 | 0.27 | 0.39 | 0.19 | 0.30 |
| Net Debt / EBITDA | 2.85 | 2.85 | 0.25 | -3.34 | -0.88 | -5.42 | 1.43 | 2.87 | 4.62 | 2.96 | 5.62 |
| Debt / FCF | — | 4.28 | 0.54 | -4.73 | -0.98 | -5.87 | 8.52 | 2.57 | 4.65 | 2.90 | 1.71 |
| Interest Coverage | 0.61 | 0.61 | 0.54 | 1.04 | 4.50 | 2.97 | 0.56 | 0.64 | 0.75 | 0.64 | 0.50 |
MGYR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Magyar Bancorp, Inc.'s current ratio of 13.39x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.11x to 13.39x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 13.39 | 13.39 | 0.06 | 0.11 | 0.06 | 0.14 | 0.13 | 0.08 | 0.08 | 0.07 | 0.06 |
| Quick Ratio | 13.39 | 13.39 | 0.06 | 0.11 | 0.06 | 0.14 | 0.13 | 0.08 | 0.08 | 0.07 | 0.06 |
| Cash Ratio | 3.34 | 3.34 | 0.03 | 0.10 | 0.05 | 0.12 | 0.10 | 0.04 | 0.03 | 0.04 | 0.04 |
| Asset Turnover | — | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
MGYR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Magyar Bancorp, Inc. returns 2.4% to shareholders annually — split between a 1.7% dividend yield and 0.7% buyback yield. The payout ratio of 18.7% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 9.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.7% | 1.7% | 2.1% | 2.0% | 1.7% | — | — | — | — | — | — |
| Payout Ratio | 18.7% | 18.7% | 21.6% | 17.1% | 18.0% | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 9.0% | 9.0% | 10.0% | 11.7% | 9.4% | 8.8% | 5.6% | 5.3% | 3.5% | 2.4% | 2.3% |
| FCF Yield | 8.7% | 9.1% | 7.0% | 12.4% | 12.8% | 12.8% | 1.7% | 10.2% | 7.5% | 5.6% | 17.6% |
| Buyback Yield | 0.7% | 0.8% | 3.0% | 1.8% | 5.4% | 0.0% | 0.2% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 2.4% | 2.5% | 5.2% | 3.8% | 7.1% | 0.0% | 0.2% | 0.0% | 0.0% | 0.0% | 0.0% |
| Shares Outstanding | — | $6M | $6M | $6M | $7M | $6M | $6M | $6M | $6M | $6M | $6M |
Peer Comparison
Compare MGYR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 MGYRYou | $113M | 11.2 | 10.5 | 11.5 | 60.3% | 23.6% | 8.5% | 6.7% | 3.3 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 KRNY | $510M | 19.3 | 44.6 | 23.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 BCBP | $174M | -11.9 | — | 5.0 | 26.7% | -11.0% | -4.0% | -1.9% | — |
 NFBK | $587M | 19.5 | 24.2 | 19.6 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 OCFC | $1B | 16.3 | 27.8 | 13.7 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 DCOM | $2B | 15.7 | -2.2 | 9.0 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 ICE | $87B | 26.6 | 16.5 | 20.3 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 FIS | $24B | 61.3 | 7.5 | 9.7 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 JKHY | $10B | 22.9 | 13.2 | 17.6 | 42.7% | 23.9% | 21.4% | 21.0% | — |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 23 years · Updated daily
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Start ComparisonMGYR — Frequently Asked Questions
Quick answers to the most common questions about buying MGYR stock.
What is Magyar Bancorp, Inc.'s P/E ratio?
Magyar Bancorp, Inc.'s current P/E ratio is 11.2x. The historical average is 35.5x. This places it at the 31th percentile of its historical range.
What is Magyar Bancorp, Inc.'s EV/EBITDA?
Magyar Bancorp, Inc.'s current EV/EBITDA is 10.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 23.8x.
What is Magyar Bancorp, Inc.'s ROE?
Magyar Bancorp, Inc.'s return on equity (ROE) is 8.5%. The historical average is 3.0%.
Is MGYR stock overvalued?
Based on historical data, Magyar Bancorp, Inc. is trading at a P/E of 11.2x. This is at the 31th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Magyar Bancorp, Inc.'s dividend yield?
Magyar Bancorp, Inc.'s current dividend yield is 1.68% with a payout ratio of 18.7%.
What are Magyar Bancorp, Inc.'s profit margins?
Magyar Bancorp, Inc. has 60.3% gross margin and 23.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Magyar Bancorp, Inc. have?
Magyar Bancorp, Inc.'s Debt/EBITDA ratio is 3.3x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.