Is MGYR a good stock to buy right now?

Based on our 6-factor quantitative model, Magyar Bancorp, Inc. (MGYR) receives a "Hold" rating with a composite score of 49.1/100. It is ranked #1,467 out of 4,446 stocks. Key factor scores: Quality 40/100, Value 51/100, Momentum 53/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for MGYR?

Magyar Bancorp, Inc. (MGYR) has a "Hold" rating and 3-star score. The composite score of 49.1 ranks it #1,467 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is MGYR in?

Magyar Bancorp, Inc. operates in the Financials sector (Banking industry) with a market cap of $114 million. It is classified as a micro-cap stock.

Does MGYR pay a dividend?

MGYR does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is MGYR's P/E ratio?

MGYR has a trailing P/E ratio of 10.88x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is MGYR?

MGYR's quality factor score is 40/100. ROE: 8.5% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is MGYR valued compared to peers?

MGYR's value factor score is 51/100 (higher = cheaper). Key multiples: P/E 10.9x, EV/EBITDA 4.8x. Valuation is roughly in line with peers.

What is MGYR's debt level?

MGYR's debt-to-equity ratio is 40%. Sector average: 121%. Low leverage suggests conservative financial management.

MGYR has a beta of 0.10, meaning it is less volatile than the market. Stability score: 88/100.

Does MGYR have high short interest?

MGYR's short interest factor score is 48/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

MGYR Stock Analysis: Top Micro-Cap Hold (Score 49.1/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
MGYR	+2.17%	+1.88%	+2.35%	+3.47%	+27.99%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	+2.24%	-1.72%	+2.01%	+3.83%	-1.54%	-	-	-
Alpha vs Sector	+3.26%	-0.62%	+0.93%	+10.78%	+17.40%	-	-	-

Metric	MGYR	Benchmark
P/E Ratio	10.9x	-27%
EV/EBITDA	4.8x	+46%
Price / Book	0.9x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
MGYR Magyar Bancorp, Inc.	49	40	51	53	10.9x	8.5%	-	21.4%	18.1%	40.0x	$114M

Key Ratio	TTM	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017
Gross Margin %	0.2%	-	-	-	-	-	-	0.9%	0.9%	0.9%	0.9%
Operating Margin %	0.8%	0.3%	0.3%	0.8%	0.7%	0.4%	0.3%	0.1%	0.1%	0.1%	0.1%
EBITDA Margin %	0.7%	0.3%	0.3%	0.8%	0.7%	0.4%	0.3%	0.2%	0.2%	0.2%	0.2%
Net Margin %	0.2%	0.2%	0.2%	0.2%	0.2%	0.3%	0.2%	0.1%	0.1%	0.1%	0.1%
FCF Margin %	-24.7%	-	-	-	-	-	-	2.9%	25.5%	19.9%	16.3%
ROE %	0.1%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.1%	0.0%	0.0%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	0.1%	2.0%	6.5%	20.9%	20.3%	9.0%	7.1%	1.1%	1.9%	1.9%	2.0%

Key Ratio

TTM

2026

2025

2024

2023

2022

2021

2020

2019

2018

2017

Gross Margin %

0.2%

0.9%

Operating Margin %

0.8%

0.3%

0.8%

0.7%

0.4%

0.3%

0.1%

EBITDA Margin %

0.7%

0.3%

0.8%

0.7%

0.4%

0.3%

0.2%

Net Margin %

0.2%

0.3%

0.2%

0.1%

FCF Margin %

-24.7%

2.9%

25.5%

19.9%

16.3%

ROE %

0.1%

0.0%

0.1%

0.0%

0.1%

0.0%

ROA %

0.0%

ROIC %

0.1%

2.0%

6.5%

20.9%

20.3%

9.0%

7.1%

1.1%

1.9%

2.0%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$50M	$55M	$49M	$38M	$30M	$29M	$23M	$23M	$22M	$20M	$19M	$18M
	$8M	—	—	—	—	—	$21M	$20M	$20M	$18M	$17M	$16M
Gross Margin	16.4%	---	---	---	---	---	92.6%	90.5%	90.3%	90.1%	88.7%	89.1%
	—	—	—	—	—	—	$961K	$976K	$995K	$1M	$973K	$1M
Total Operating Expenses	—	$41M	$12M	$11M	$18M	$20M	—	—	—	—	—	—
	$31M	$14M	$37M	$27M	$11M	$9M	$2M	$2M	$2M	$2M	$2M	$2M
EBIT	$31M	$14M	$37M	$27M	$11M	$9M	$2M	$2M	$2M	$2M	$2M	$2M
EBITDA	$34M	$14M	$37M	$27M	$11M	$9M	$4M	$5M	$4M	$3M	$3M	$2M
Operating Margin	75.5%	25.2%	75.7%	70.8%	37.9%	30.6%	7.4%	9.5%	9.7%	9.9%	11.3%	10.9%
EBITDA Margin	68.3%	25.2%	75.7%	70.8%	37.9%	30.6%	17.6%	23.2%	20.6%	16.9%	14.3%	13.2%
	—	$1M	$872K	$10M	$2M	$3M	$6M	$7M	$5M	$4M	$4M	$3M
	—	$14M	$11M	$11M	$11M	$9M	—	—	—	—	—	—
Income Tax Expense	—	$4M	$3M	$3M	$3M	$3M	$921K	$1M	$1M	$994K	$664K	$413K
	$10M	$10M	$8M	$8M	$8M	$6M	$2M	$3M	$2M	$1M	$1M	$897K
Net Margin	21.4%	17.8%	16.0%	20.3%	26.8%	21.4%	9.5%	13.3%	9.3%	7.0%	5.7%	4.9%
	$0.51	$1.57	$1.23	$1.20	$1.17	-	$0.38	$0.51	$0.35	$0.24	$0.19	$0.15
Diluted EPS	$0.51	$1.56	$1.23	$1.20	$1.17	-	$0.38	$0.51	$0.35	$0.24	$0.19	$0.15
Weighted Avg Basic	—	6M	6M	6M	7M	—	—	—	—	—	—	—
Weighted Avg Diluted	—	6M	6M	6M	7M	—	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$50M

$55M

$49M

$38M

$30M

$29M

$23M

$22M

$20M

$19M

$18M

$8M

—

$21M

$20M

$18M

$17M

$16M

Gross Margin

16.4%

---

92.6%

90.5%

90.3%

90.1%

88.7%

89.1%

—

$961K

$976K

$995K

$1M

$973K

$1M

Total Operating Expenses

—

$41M

$12M

$11M

$18M

$20M

—

$31M

$14M

$37M

$27M

$11M

$9M

$2M

EBIT

$31M

$14M

$37M

$27M

$11M

$9M

$2M

EBITDA

$34M

$14M

$37M

$27M

$11M

$9M

$4M

$5M

$4M

$3M

$2M

Operating Margin

75.5%

25.2%

75.7%

70.8%

37.9%

30.6%

7.4%

9.5%

9.7%

9.9%

11.3%

10.9%

EBITDA Margin

68.3%

25.2%

75.7%

70.8%

37.9%

30.6%

17.6%

23.2%

20.6%

16.9%

14.3%

13.2%

—

$1M

$872K

$10M

$2M

$3M

$6M

$7M

$5M

$4M

$3M

—

$14M

$11M

$9M

—

Income Tax Expense

—

$4M

$3M

$921K

$1M

$994K

$664K

$413K

$10M

$8M

$6M

$2M

$3M

$2M

$1M

$897K

Net Margin

21.4%

17.8%

16.0%

20.3%

26.8%

21.4%

9.5%

13.3%

9.3%

7.0%

5.7%

4.9%

$0.51

$1.57

$1.23

$1.20

$1.17

$0.38

$0.51

$0.35

$0.24

$0.19

$0.15

Diluted EPS

$0.51

$1.56

$1.23

$1.20

$1.17

$0.38

$0.51

$0.35

$0.24

$0.19

$0.15

Weighted Avg Basic

—

Weighted Avg Diluted

—

Magyar Bancorp, Inc. (MGYR) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does Magyar Bancorp, Inc. Do?

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 also provides 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. The company has seven branch offices located in New Brunswick, North Brunswick, South Brunswick, Branchburg, Bridgewater, and Edison, New Jersey. Magyar Bancorp, Inc. was founded in 1922 and is headquartered in New Brunswick, New Jersey. Magyar Bancorp, Inc. (MGYR) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO John S. Fitzgerald and employs approximately 90 people, headquartered in NEW BRUNSWICK, New Jersey. With a market capitalization of $114M, MGYR is one of the notable companies in the Financials sector.

Magyar Bancorp, Inc. (MGYR) Stock Rating — Hold (April 2026)

As of April 2026, Magyar Bancorp, Inc. receives a Hold rating with a composite score of 49.1/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.MGYR ranks #1,467 out of 4,446 stocks in our coverage universe. Within the Financials sector, Magyar Bancorp, Inc. ranks #442 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

MGYR Stock Price and 52-Week Range

Magyar Bancorp, Inc. (MGYR) currently trades at $17.88. The stock gained $0.38 (2.2%) in the most recent trading session. The 52-week high for MGYR is $20.00, which means the stock is currently trading -10.6% from its annual peak. The 52-week low is $13.52, putting the stock 32.2% above its annual trough. Recent trading volume was 949 shares, suggesting relatively thin trading activity.

Is MGYR Overvalued or Undervalued? — Valuation Analysis

Magyar Bancorp, Inc. (MGYR) carries a value factor score of 51/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 10.88x, compared to the Financials sector average of 14.88x — a discount of 27%. The price-to-book ratio stands at 0.93x, versus the sector average of 1.22x. The price-to-sales ratio is 2.27x, compared to 0.90x for the average Financials stock. On an enterprise value basis, MGYR trades at 4.76x EV/EBITDA, versus 3.26x for the sector.

Overall, MGYR's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Magyar Bancorp, Inc. Profitability — ROE, Margins, and Quality Score

Magyar Bancorp, Inc. (MGYR) earns a quality factor score of 40/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 8.5%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.0% versus the sector average of 1.2%.

The operating margin is 75.5% (sector: 21.8%). Net profit margin stands at 21.4%, versus 17.7% for the average Financials stock. Revenue growth is running at 18.1% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

MGYR Debt, Balance Sheet, and Financial Health

Magyar Bancorp, Inc. has a debt-to-equity ratio of 40.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.13x, suggesting adequate working capital coverage. Total debt on the balance sheet is $49M.

MGYR has a beta of 0.10, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Magyar Bancorp, Inc. is 88/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

Magyar Bancorp, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Magyar Bancorp, Inc. reported revenue of $50M and earnings per share (EPS) of $0.51. Net income for the quarter was $10M. Gross margin was 16.4%. Operating income came in at $31M.

In Q1 2026, Magyar Bancorp, Inc. reported revenue of $15M and earnings per share (EPS) of $0.51. Net income for the quarter was $3M. Revenue grew 12.8% year-over-year compared to Q1 2025. Operating income came in at $4M.

In FY 2025, Magyar Bancorp, Inc. reported revenue of $55M and earnings per share (EPS) of $1.57. Net income for the quarter was $10M. Revenue grew 12.6% year-over-year compared to FY 2024. Operating income came in at $14M.

In Q3 2025, Magyar Bancorp, Inc. reported revenue of $9M and earnings per share (EPS) of $0.40. Net income for the quarter was $2M. Gross margin was 92.8%. Revenue grew -28.5% year-over-year compared to Q3 2024. Operating income came in at $630,000.

Over the past 8 quarters, Magyar Bancorp, Inc. has demonstrated a growth trajectory, with revenue expanding from $12M to $50M. Investors analyzing MGYR stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

MGYR Dividend Yield and Income Analysis

Magyar Bancorp, Inc. (MGYR) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

MGYR Momentum and Technical Analysis Profile

Magyar Bancorp, Inc. (MGYR) has a momentum factor score of 53/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 26/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 48/100 reflects moderate short selling activity.

MGYR vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Magyar Bancorp, Inc. (MGYR) ranks #442 out of 891 stocks based on the Blank Capital composite score. This places MGYR in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing MGYR against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full MGYR vs S&P 500 (SPY) comparison to assess how Magyar Bancorp, Inc. stacks up against the broader market across all factor dimensions.

MGYR Next Earnings Date

No upcoming earnings date has been announced for Magyar Bancorp, Inc. (MGYR) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy MGYR? — Investment Thesis Summary

Magyar Bancorp, Inc. presents a balanced picture with arguments on both sides. Low volatility (stability score 88/100) reduces downside risk.

In summary, Magyar Bancorp, Inc. (MGYR) earns a Hold rating with a composite score of 49.1/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on MGYR stock.

Related Resources for MGYR Investors

Explore more research and tools: MGYR vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare MGYR head-to-head with peers: MGYR vs WTM, MGYR vs OPY, MGYR vs ACT.

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Magyar Bancorp, Inc. (MGYR) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does Magyar Bancorp, Inc. Do?

Magyar Bancorp, Inc. (MGYR) Stock Rating — Hold (April 2026)

MGYR Stock Price and 52-Week Range

Is MGYR Overvalued or Undervalued? — Valuation Analysis

Magyar Bancorp, Inc. Profitability — ROE, Margins, and Quality Score

MGYR Debt, Balance Sheet, and Financial Health

Magyar Bancorp, Inc. Revenue and Earnings History — Quarterly Trend

MGYR Dividend Yield and Income Analysis

MGYR Momentum and Technical Analysis Profile

MGYR vs Competitors — Financials Sector Ranking and Peer Comparison

MGYR Next Earnings Date

Should You Buy MGYR? — Investment Thesis Summary

Related Resources for MGYR Investors

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Magyar Bancorp, Inc. (NASDAQ:MGYR) Looks Interesting, And It's About To Pay A Dividend

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