MGYR

MKT CAP:$115M

Magyar Bancorp, Inc.

Market Cap

$115M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$17.52-$0.02 (-0.11%)

Apr 23, 2026

Company Details

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...

CEO

John S. Fitzgerald

IPO Date

Jan 24, 2006

Website

www.magbank.com

Key Metrics TTM

Revenue

$60M

+11.2% YoY

Net Income

$11M

EPS (Diluted)

$1.73

Free Cash Flow

$11M

Revenue / Share

$9.61

Gross Margin

61.0%

Operating Margin

25.4%

Net Margin

18.0%

FCF Margin

18.3%

P/S

1.9x

P/E

10.6x

Earnings Reports

Q1 2026

Feb 13, 2026

$15M+10.8%EPS $0.50

FY 2025

Dec 19, 2025

$58M+12.1%EPS $1.56

Q4 2025

Dec 19, 2025

$15M+2.7%EPS $0.40

Q3 2025

Aug 13, 2025

$15M+14.8%EPS $0.40

Q2 2025

May 13, 2025

$15M+17.9%EPS $0.43

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$7M	$7M	$2M
Q3 22	$8M	$7M	$3M
Q4 22	$9M	$8M	$3M
Q1 23	$9M	$7M	$3M
Q2 23	$10M	$7M	$3M
Q3 23	$10M	$8M	$3M
Q4 23	$12M	$8M	$3M
Q1 24	$12M	$7M	$2M
Q2 24	$13M	$8M	$2M
Q3 24	$13M	$7M	$2M
Q4 24	$15M	$9M	$4M
Q1 25	$14M	$8M	$3M
Q2 25	$15M	$9M	$4M
Q3 25	$15M	$9M	$3M
Q4 25	$15M	$9M	$4M
Q1 26	$15M	$10M	$4M

Valuation

Quarter	P/S	P/E
Q2 22	3.8x	17.3x
Q3 22	3.7x	16.2x
Q4 22	3.6x	14.5x
Q1 23	3.4x	14.3x
Q2 23	3.2x	14.1x
Q3 23	3.0x	14.5x
Q4 23	2.8x	14.9x
Q1 24	2.6x	15.2x
Q2 24	2.5x	15.0x
Q3 24	2.3x	15.5x
Q4 24	2.2x	14.8x
Q1 25	2.1x	14.0x
Q2 25	2.0x	12.8x
Q3 25	2.0x	11.8x
Q4 25	2.0x	11.8x
Q1 26	1.9x	10.6x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q2 22	$411.0K	$327.0K
Q3 22	$4M	$4M
Q4 22	$5M	$4M
Q1 23	$1M	$1M
Q2 23	$3M	$3M
Q3 23	$343.0K	$242.0K
Q4 23	$4M	$4M
Q1 24	$3M	$3M
Q2 24	$553.0K	$428.0K
Q3 24	$2M	$2M
Q4 24	$855.0K	$437.0K
Q1 25	$3M	$3M
Q2 25	$2M	$2M
Q3 25	$2M	$2M
Q4 25	$3M	$3M
Q1 26	$4M	$4M

Capital Expenditures

Quarter	CapEx
Q2 22	$84.0K
Q3 22	$85.0K
Q4 22	$141.0K
Q1 23	$10.0K
Q2 23	$130.0K
Q3 23	$101.0K
Q4 23	$68.0K
Q1 24	$128.0K
Q2 24	$125.0K
Q3 24	$141.0K
Q4 24	$418.0K
Q1 25	$375.0K
Q2 25	$102.0K
Q3 25	$45.0K
Q4 25	$52.0K
Q1 26	$4.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	-6.4%	-12.4%
Q3 22	+5.5%	-4.3%
Q4 22	+14.1%	-0.2%
Q1 23	+19.5%	+24.1%
Q2 23	+31.8%	+42.4%
Q3 23	+27.5%	+49.3%
Q4 23	+30.0%	+59.2%
Q1 24	+33.1%	+49.9%
Q2 24	+27.9%	+40.2%
Q3 24	+22.6%	+37.2%
Q4 24	+27.2%	+21.6%
Q1 25	+14.5%	+12.5%
Q2 25	+17.9%	+8.9%
Q3 25	+14.8%	+5.7%
Q4 25	+2.7%	+8.2%
Q1 26	+10.8%	+1.0%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q2 22	$40.0K	0.5%
Q3 22	$39.0K	0.5%
Q4 22	$45.0K	0.5%
Q1 23	$221.0K	2.4%
Q2 23	$194.0K	2.0%
Q3 23	$185.0K	1.8%
Q4 23	$186.0K	1.6%
Q1 24	$211.0K	1.7%
Q2 24	$196.0K	1.6%
Q3 24	$195.0K	1.5%
Q4 24	$199.0K	1.4%
Q1 25	$204.0K	1.5%
Q2 25	$193.0K	1.3%
Q3 25	$203.0K	1.4%
Q4 25	$208.0K	1.4%
Q1 26	$53.0K	0.3%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$3M	$84.0K
Q3 22	$3M	$143.0K
Q4 22	$3M	$94.0K
Q1 23	$3M	$126.0K
Q2 23	$3M	$117.0K
Q3 23	$3M	$101.0K
Q4 23	$3M	$22.0K
Q1 24	$3M	$97.0K
Q2 24	$3M	$98.0K
Q3 24	$3M	$100.0K
Q4 24	$3M	$108.0K
Q1 25	$3M	$127.0K
Q2 25	$4M	$120.0K
Q3 25	$3M	$114.0K
Q4 25	$4M	$76.0K
Q1 26	$157.0K	$4M

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$55M	$11M	$66M
Q3 22	$26M	$10M	$36M
Q4 22	$31M	$9M	$40M
Q1 23	$8M	$9M	$17M
Q2 23	$25M	$9M	$35M
Q3 23	$22M	$9M	$31M
Q4 23	$73M	$10M	$83M
Q1 24	$51M	$12M	$63M
Q2 24	$50M	$12M	$62M
Q3 24	$49M	$16M	$65M
Q4 24	$26M	$16M	$41M
Q1 25	$59M	$23M	$81M
Q2 25	$73M	$20M	$93M
Q3 25	$7M	$18M	$25M
Q4 25	$7M	$16M	$23M
Q1 26	$2M	$27M	$29M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	7M	-1.1%	+15.9%
Q3 22	7M	+1.2%	+18.2%
Q4 22	7M	-0.7%	-3.6%
Q1 23	6M	-4.3%	-4.9%
Q2 23	6M	-0.4%	-4.2%
Q3 23	6M	-0.3%	-5.7%
Q4 23	6M	+0.2%	-4.8%
Q1 24	6M	-0.6%	-1.1%
Q2 24	6M	-0.2%	-0.9%
Q3 24	6M	-0.8%	-1.4%
Q4 24	6M	-2.0%	-3.5%
Q1 25	6M	+0.5%	-2.4%
Q2 25	6M	0.0%	-2.2%
Q3 25	6M	0.0%	-1.4%
Q4 25	6M	0.0%	+0.5%
Q1 26	6M	0.0%	0.0%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$79.1K	94
Q3 22	$86.7K	94
Q4 22	$102.4K	87
Q1 23	$104.6K	87
Q2 23	$112.7K	87
Q3 23	$119.4K	87
Q4 23	$130.2K	89
Q1 24	$136.0K	89
Q2 24	$140.9K	89
Q3 24	$143.1K	89
Q4 24	$162.0K	91
Q1 25	$152.3K	91
Q2 25	$162.5K	91
Q3 25	$160.7K	91
Q4 25	$166.4K	91
Q1 26	$168.7K	91

Revenue / Employee