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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.84
MGYR's Cash to Debt is ranked lower than
59% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. MGYR: 0.84 )
Ranked among companies with meaningful Cash to Debt only.
MGYR' s 10-Year Cash to Debt Range
Min: 0.04  Med: 0.24 Max: N/A
Current: 0.84
Equity to Asset 0.09
MGYR's Equity to Asset is ranked lower than
63% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MGYR: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
MGYR' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.12
Current: 0.09
0.06
0.12
Interest Coverage 0.22
MGYR's Interest Coverage is ranked lower than
91% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. MGYR: 0.22 )
Ranked among companies with meaningful Interest Coverage only.
MGYR' s 10-Year Interest Coverage Range
Min: 0.02  Med: 0.09 Max: 0.42
Current: 0.22
0.02
0.42
F-Score: 5
WACC vs ROIC
3.77%
1.11%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 5.57
MGYR's Operating margin (%) is ranked lower than
90% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. MGYR: 5.57 )
Ranked among companies with meaningful Operating margin (%) only.
MGYR' s 10-Year Operating margin (%) Range
Min: -726.85  Med: 1.11 Max: 19.01
Current: 5.57
-726.85
19.01
Net-margin (%) 3.98
MGYR's Net-margin (%) is ranked lower than
90% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. MGYR: 3.98 )
Ranked among companies with meaningful Net-margin (%) only.
MGYR' s 10-Year Net-margin (%) Range
Min: -35.52  Med: 3.13 Max: 61.32
Current: 3.98
-35.52
61.32
ROE (%) 1.54
MGYR's ROE (%) is ranked lower than
88% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. MGYR: 1.54 )
Ranked among companies with meaningful ROE (%) only.
MGYR' s 10-Year ROE (%) Range
Min: -14.26  Med: 1.14 Max: 9.36
Current: 1.54
-14.26
9.36
ROA (%) 0.13
MGYR's ROA (%) is ranked lower than
89% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. MGYR: 0.13 )
Ranked among companies with meaningful ROA (%) only.
MGYR' s 10-Year ROA (%) Range
Min: -1.13  Med: 0.11 Max: 0.71
Current: 0.13
-1.13
0.71
ROC (Joel Greenblatt) (%) 5.25
MGYR's ROC (Joel Greenblatt) (%) is ranked lower than
88% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. MGYR: 5.25 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
MGYR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -342.98  Med: 0.99 Max: 21.2
Current: 5.25
-342.98
21.2
Revenue Growth (3Y)(%) 0.20
MGYR's Revenue Growth (3Y)(%) is ranked lower than
60% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. MGYR: 0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MGYR' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -2.00 Max: 7.2
Current: 0.2
0
7.2
EBITDA Growth (3Y)(%) 30.70
MGYR's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. MGYR: 30.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MGYR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -7.70 Max: 30.7
Current: 30.7
0
30.7
» MGYR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 79.70
MGYR's P/E(ttm) is ranked lower than
97% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. MGYR: 79.70 )
Ranked among companies with meaningful P/E(ttm) only.
MGYR' s 10-Year P/E(ttm) Range
Min: 2.68  Med: 79.64 Max: 880
Current: 79.7
2.68
880
PE(NRI) 81.70
MGYR's PE(NRI) is ranked lower than
97% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. MGYR: 81.70 )
Ranked among companies with meaningful PE(NRI) only.
MGYR' s 10-Year PE(NRI) Range
Min: 2.68  Med: 81.69 Max: 1760
Current: 81.7
2.68
1760
P/B 1.23
MGYR's P/B is ranked lower than
61% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MGYR: 1.23 )
Ranked among companies with meaningful P/B only.
MGYR' s 10-Year P/B Range
Min: 0.31  Med: 0.78 Max: 1.83
Current: 1.23
0.31
1.83
P/S 3.20
MGYR's P/S is ranked lower than
55% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. MGYR: 3.20 )
Ranked among companies with meaningful P/S only.
MGYR' s 10-Year P/S Range
Min: 0.16  Med: 1.66 Max: 18
Current: 3.2
0.16
18
PFCF 6.53
MGYR's PFCF is ranked higher than
66% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. MGYR: 6.53 )
Ranked among companies with meaningful PFCF only.
MGYR' s 10-Year PFCF Range
Min: 0.88  Med: 2.90 Max: 52.24
Current: 6.53
0.88
52.24
POCF 6.41
MGYR's POCF is ranked higher than
65% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. MGYR: 6.41 )
Ranked among companies with meaningful POCF only.
MGYR' s 10-Year POCF Range
Min: 0.48  Med: 2.87 Max: 110.6
Current: 6.41
0.48
110.6
EV-to-EBIT 61.71
MGYR's EV-to-EBIT is ranked lower than
94% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. MGYR: 61.71 )
Ranked among companies with meaningful EV-to-EBIT only.
MGYR' s 10-Year EV-to-EBIT Range
Min: -899.8  Med: 84.00 Max: 2834
Current: 61.71
-899.8
2834
Shiller P/E 116.83
MGYR's Shiller P/E is ranked lower than
97% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. MGYR: 116.83 )
Ranked among companies with meaningful Shiller P/E only.
MGYR' s 10-Year Shiller P/E Range
Min: 4.05  Med: 6.32 Max: 125
Current: 116.83
4.05
125
Days Sales Outstanding 34.82
MGYR's Days Sales Outstanding is ranked lower than
51% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. MGYR: 34.82 )
Ranked among companies with meaningful Days Sales Outstanding only.
MGYR' s 10-Year Days Sales Outstanding Range
Min: 34.86  Med: 44.58 Max: 465.94
Current: 34.82
34.86
465.94

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.23
MGYR's Price/Tangible Book is ranked lower than
53% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MGYR: 1.23 )
Ranked among companies with meaningful Price/Tangible Book only.
MGYR' s 10-Year Price/Tangible Book Range
Min: 0.32  Med: 0.80 Max: 1.74
Current: 1.23
0.32
1.74
Price/Projected FCF 0.44
MGYR's Price/Projected FCF is ranked higher than
76% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. MGYR: 0.44 )
Ranked among companies with meaningful Price/Projected FCF only.
MGYR' s 10-Year Price/Projected FCF Range
Min: 0.13  Med: 0.32 Max: 0.48
Current: 0.44
0.13
0.48
Price/Median PS Value 1.93
MGYR's Price/Median PS Value is ranked lower than
95% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MGYR: 1.93 )
Ranked among companies with meaningful Price/Median PS Value only.
MGYR' s 10-Year Price/Median PS Value Range
Min: 0.12  Med: 1.00 Max: 10.18
Current: 1.93
0.12
10.18
Price/Peter Lynch Fair Value 7.16
MGYR's Price/Peter Lynch Fair Value is ranked lower than
100% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. MGYR: 7.16 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MGYR' s 10-Year Price/Peter Lynch Fair Value Range
Min: 6.15  Med: 6.15 Max: 6.15
Current: 7.16
Price/Graham Number 2.10
MGYR's Price/Graham Number is ranked lower than
95% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. MGYR: 2.10 )
Ranked among companies with meaningful Price/Graham Number only.
MGYR' s 10-Year Price/Graham Number Range
Min: 0.33  Med: 2.03 Max: 33.77
Current: 2.1
0.33
33.77
Earnings Yield (Greenblatt) (%) 1.60
MGYR's Earnings Yield (Greenblatt) (%) is ranked lower than
85% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. MGYR: 1.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MGYR' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 1.00 Max: 11
Current: 1.6
0.1
11
Forward Rate of Return (Yacktman) (%) 30.72
MGYR's Forward Rate of Return (Yacktman) (%) is ranked higher than
78% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. MGYR: 30.72 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MGYR' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 17.9  Med: 38.10 Max: 118.1
Current: 30.72
17.9
118.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Magyar Bancorp Inc is the mid-tier stock holding company of Magyar Bank. The Company's principal business consists of attracting retail deposits from the general public and investing those deposits, together with funds generated from operations and wholesale funding, in residential mortgage loans, home equity loans, home equity lines of credit, commercial real estate loans, commercial business loans, construction loans and investment securities. It also originates consumer loans, which consist primarily of secured demand loans. It originates loans primarily for its loan portfolio. However, from time to time it has sold some of its long-term fixed-rate residential mortgage loans into the secondary market, while retaining the servicing rights for such loans. The Company's primary lending market area is broader than its deposit market area and includes all of New Jersey. It faces intense competition within its market area both in making loans and attracting deposits. The Company's market area has a high concentration of financial institutions including large money center and regional banks, community banks and credit unions. Magyar Bank is subject to extensive regulation, examination and supervision by the Commissioner of the New Jersey Department of Banking and Insurance (the Commissioner) as the issuer of its charter, and by the Federal Deposit Insurance Corporation as deposit insurer and its primary federal regulator.
» More Articles for MGYR

Headlines

Articles On GuruFocus.com
Magyar Bancorp Inc. Reports Operating Results (10-Q) May 14 2010 
Magyar Bancorp Inc. Reports Operating Results (10-Q) Aug 14 2009 
Magyar Bancorp Inc. (MGYR) CEO Elizabeth E Hance buys 1,000 Shares Aug 05 2009 
Magyar Bancorp Inc. Reports Operating Results (10-Q) Feb 13 2009 

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