Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Magyar Bancorp, Inc.'s quarterly P/E stands at 8.6x, down 21.9% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 80.0% YoY to 9.0x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.33 | 8.64 | 10.79 | 10.42 | 8.08 | 11.06 | 7.51 | 10.41 | 9.27 | 10.80 | 7.54 | 8.62 | 9.46 |
| — | -21.9% | +43.7% | +0.1% | -12.8% | +2.4% | -0.3% | +20.8% | -2.1% | -5.7% | -12.7% | -9.8% | -19.8% | |
| P/S Ratio | 1.96 | 1.75 | 1.78 | 1.78 | 1.46 | 1.64 | 1.30 | 1.40 | 1.41 | 1.48 | 1.42 | 1.60 | 1.74 |
| — | +6.9% | +37.2% | +27.3% | +3.7% | +10.8% | -8.9% | -12.6% | -18.8% | -34.9% | -39.6% | -35.4% | -34.7% | |
| P/B Ratio | 0.93 | 0.88 | 0.91 | 0.89 | 0.76 | 0.81 | 0.69 | 0.65 | 0.66 | 0.67 | 0.63 | 0.65 | 0.67 |
| — | +8.6% | +31.1% | +37.0% | +15.1% | +21.0% | +9.9% | +1.0% | -2.3% | -18.7% | -26.2% | -19.1% | -15.5% | |
| P/FCF | 11.67 | 7.33 | 9.63 | 11.75 | 9.51 | 8.98 | 43.70 | 11.50 | 41.39 | 5.79 | 4.26 | 68.50 | 6.21 |
| — | -18.4% | -78.0% | +2.2% | -77.0% | +55.1% | +925.1% | -83.2% | +566.5% | -62.9% | -9.0% | +1175.1% | -89.8% | |
| EV / EBITDA | 10.61 | 9.04 | 9.60 | 8.96 | 2.97 | 5.02 | 4.55 | 5.24 | 4.69 | 4.81 | 2.22 | 7.66 | 6.11 |
| — | +80.0% | +111.0% | +71.1% | -36.8% | +4.5% | +105.2% | -31.6% | -23.2% | -48.6% | -56.0% | +41.6% | +46.2% | |
| EV / EBIT | 11.33 | 9.04 | 10.19 | 9.56 | 3.15 | 5.44 | 4.80 | 5.77 | 5.12 | 5.25 | 2.38 | 8.26 | 6.60 |
| — | +66.2% | +112.3% | +65.7% | -38.5% | +3.6% | +101.5% | -30.2% | -22.4% | -48.0% | -55.4% | +42.7% | +45.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Magyar Bancorp, Inc.'s operating margin was 27.9% in Q1 2026, up 3.6 pp QoQ and up 7.0 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 25.3% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 60.3% | 62.7% | 59.6% | 59.6% | 62.0% | 59.9% | 63.4% | 56.9% | 60.0% | 60.4% | 69.3% | 73.0% | 75.3% |
| — | +4.8% | -6.1% | +4.7% | +3.3% | -0.9% | -8.5% | -22.0% | -20.2% | -23.4% | -23.8% | -20.0% | -18.1% | |
| Operating Margin | 23.6% | 27.9% | 24.2% | 23.8% | 25.5% | 20.8% | 28.0% | 17.2% | 19.3% | 19.4% | 24.7% | 26.0% | 26.4% |
| — | +33.6% | -13.6% | +38.0% | +32.1% | +7.3% | +13.6% | -33.9% | -26.8% | -31.8% | -35.9% | -29.3% | -17.2% | |
| Net Margin | 16.7% | 20.4% | 16.7% | 16.9% | 18.1% | 15.0% | 17.3% | 13.3% | 15.1% | 13.6% | 18.9% | 18.5% | 18.3% |
| — | +35.8% | -3.3% | +27.2% | +19.8% | +10.2% | -8.5% | -28.1% | -17.4% | -31.4% | -30.8% | -28.9% | -18.9% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.5% | 2.6% | 2.1% | 2.1% | 2.4% | 1.9% | 2.3% | 1.6% | 1.8% | 1.6% | 2.1% | 1.9% | 1.8% |
| — | +38.9% | -7.3% | +37.2% | +33.9% | +20.0% | +10.0% | -17.0% | -0.8% | -14.3% | -13.6% | -11.0% | +5.2% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | +44.3% | -5.1% | +36.2% | +28.5% | +17.4% | +8.3% | -20.1% | -4.9% | -18.9% | -19.0% | -14.7% | +2.2% | |
| ROIC | 6.7% | 1.9% | 1.7% | 1.7% | 2.0% | 1.5% | 2.2% | 1.2% | 1.3% | 1.3% | 1.5% | 1.5% | 1.5% |
| — | +22.9% | -23.3% | +44.5% | +45.9% | +19.7% | +50.0% | -18.7% | -11.6% | -17.6% | -31.7% | -23.1% | +1.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Magyar Bancorp, Inc.'s Debt/EBITDA ratio is 11.5x, down from 12.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 60.5% YoY to 0.04x, tightening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.41 | 0.40 | 0.41 | 0.31 | 0.30 | 0.27 | 0.26 | 0.26 | 0.27 | 0.27 | 0.32 | 0.44 | 0.25 |
| — | +47.9% | +59.7% | +18.3% | +10.9% | +0.8% | -20.1% | -40.9% | +6.0% | -9.1% | +56.5% | +192.8% | +31.0% | |
| Debt / EBITDA | 3.33 | 11.47 | 12.59 | 9.73 | 8.45 | 9.72 | 6.55 | 11.83 | 10.88 | 11.21 | 11.04 | 15.60 | 9.14 |
| — | +18.0% | +92.2% | -17.8% | -22.3% | -13.3% | -40.7% | -24.2% | +19.0% | +5.5% | +97.4% | +227.9% | +23.0% | |
| Current Ratio | 13.39 | 0.04 | 0.03 | 0.04 | 0.11 | 0.10 | 0.06 | 0.09 | 0.09 | 0.09 | 0.11 | 0.05 | 0.06 |
| — | -60.5% | -39.7% | -57.9% | +33.5% | +14.5% | -49.5% | +72.8% | +55.6% | +187.7% | +76.3% | -15.9% | -46.6% | |
| Quick Ratio | 13.39 | 0.04 | 0.03 | 0.04 | 0.11 | 0.10 | 0.06 | 0.09 | 0.09 | 0.09 | 0.11 | 0.05 | 0.06 |
| — | -60.5% | -39.7% | -57.9% | +33.5% | +14.5% | -49.5% | +72.8% | +55.6% | +187.7% | +76.3% | -15.9% | -46.6% | |
| Interest Coverage | 0.61 | 0.75 | 0.62 | 0.60 | 0.67 | 0.53 | 0.72 | 0.40 | 0.48 | 0.55 | 0.79 | 0.94 | 1.16 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorDCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare business quality, growth, and profitability against top sector peers.
Start ComparisonQuick answers to the most common questions about buying MGYR stock.
Magyar Bancorp, Inc.'s current P/E is 11.3x. The average P/E over the last 4 quarters is 9.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Magyar Bancorp, Inc.'s current operating margin is 23.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Magyar Bancorp, Inc.'s business trajectory between earnings reports.