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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 0.57
MGYR's Cash to Debt is ranked lower than
65% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MGYR: 0.57 )
Ranked among companies with meaningful Cash to Debt only.
MGYR' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.28 Max: 0.81
Current: 0.57
0.07
0.81
Equity to Asset 0.08
MGYR's Equity to Asset is ranked lower than
71% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MGYR: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
MGYR' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.08
0.07
0.11
Interest Coverage 0.48
MGYR's Interest Coverage is ranked lower than
81% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. MGYR: 0.48 )
Ranked among companies with meaningful Interest Coverage only.
MGYR' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.09 Max: 0.41
Current: 0.48
0.02
0.41
F-Score: 5
WACC vs ROIC
2.99%
1.53%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 8.46
MGYR's Operating margin (%) is ranked lower than
89% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. MGYR: 8.46 )
Ranked among companies with meaningful Operating margin (%) only.
MGYR' s Operating margin (%) Range Over the Past 10 Years
Min: -35.2  Med: 1.38 Max: 7.19
Current: 8.46
-35.2
7.19
Net-margin (%) 5.56
MGYR's Net-margin (%) is ranked lower than
90% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. MGYR: 5.56 )
Ranked among companies with meaningful Net-margin (%) only.
MGYR' s Net-margin (%) Range Over the Past 10 Years
Min: -35.52  Med: 2.25 Max: 21.77
Current: 5.56
-35.52
21.77
ROE (%) 2.20
MGYR's ROE (%) is ranked lower than
87% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. MGYR: 2.20 )
Ranked among companies with meaningful ROE (%) only.
MGYR' s ROE (%) Range Over the Past 10 Years
Min: -14.26  Med: 0.86 Max: 9.36
Current: 2.2
-14.26
9.36
ROA (%) 0.19
MGYR's ROA (%) is ranked lower than
87% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. MGYR: 0.19 )
Ranked among companies with meaningful ROA (%) only.
MGYR' s ROA (%) Range Over the Past 10 Years
Min: -1.13  Med: 0.10 Max: 0.71
Current: 0.19
-1.13
0.71
Revenue Growth (3Y)(%) 2.00
MGYR's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. MGYR: 2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MGYR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -1.20 Max: 7.2
Current: 2
0
7.2
EBITDA Growth (3Y)(%) 11.10
MGYR's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MGYR: 11.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MGYR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -15.40 Max: 30.7
Current: 11.1
0
30.7
EPS Growth (3Y)(%) 20.50
MGYR's EPS Growth (3Y)(%) is ranked higher than
76% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. MGYR: 20.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MGYR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -59.60 Max: 78.4
Current: 20.5
0
78.4
» 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) 62.32
MGYR's P/E(ttm) is ranked lower than
96% of the 2140 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. MGYR: 62.32 )
Ranked among companies with meaningful P/E(ttm) only.
MGYR' s P/E(ttm) Range Over the Past 10 Years
Min: 2.68  Med: 73.52 Max: 880
Current: 62.32
2.68
880
PE(NRI) 60.34
MGYR's PE(NRI) is ranked lower than
95% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. MGYR: 60.34 )
Ranked among companies with meaningful PE(NRI) only.
MGYR' s PE(NRI) Range Over the Past 10 Years
Min: 2.68  Med: 75.00 Max: 1760
Current: 60.34
2.68
1760
P/B 1.20
MGYR's P/B is ranked lower than
68% of the 2196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MGYR: 1.20 )
Ranked among companies with meaningful P/B only.
MGYR' s P/B Range Over the Past 10 Years
Min: 0.31  Med: 0.93 Max: 1.83
Current: 1.2
0.31
1.83
P/S 3.08
MGYR's P/S is ranked lower than
61% of the 2510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. MGYR: 3.08 )
Ranked among companies with meaningful P/S only.
MGYR' s P/S Range Over the Past 10 Years
Min: 0.16  Med: 1.71 Max: 18
Current: 3.08
0.16
18
PFCF 4.52
MGYR's PFCF is ranked higher than
66% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. MGYR: 4.52 )
Ranked among companies with meaningful PFCF only.
MGYR' s PFCF Range Over the Past 10 Years
Min: 0.88  Med: 3.21 Max: 39.18
Current: 4.52
0.88
39.18
POCF 4.49
MGYR's POCF is ranked higher than
63% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.29 vs. MGYR: 4.49 )
Ranked among companies with meaningful POCF only.
MGYR' s POCF Range Over the Past 10 Years
Min: 0.48  Med: 3.14 Max: 110.6
Current: 4.49
0.48
110.6
EV-to-EBIT 53.14
MGYR's EV-to-EBIT is ranked lower than
93% of the 2085 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. MGYR: 53.14 )
Ranked among companies with meaningful EV-to-EBIT only.
MGYR' s EV-to-EBIT Range Over the Past 10 Years
Min: -899.8  Med: 82.15 Max: 2834
Current: 53.14
-899.8
2834
EV-to-EBITDA 32.32
MGYR's EV-to-EBITDA is ranked lower than
89% of the 2093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.12 vs. MGYR: 32.32 )
Ranked among companies with meaningful EV-to-EBITDA only.
MGYR' s EV-to-EBITDA Range Over the Past 10 Years
Min: -61.1  Med: 39.20 Max: 133.6
Current: 32.32
-61.1
133.6
PEG 4.41
MGYR's PEG is ranked lower than
89% of the 621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. MGYR: 4.41 )
Ranked among companies with meaningful PEG only.
MGYR' s PEG Range Over the Past 10 Years
Min: 3.94  Med: 5.77 Max: 6.46
Current: 4.41
3.94
6.46
Shiller P/E 22.64
MGYR's Shiller P/E is ranked lower than
77% of the 678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.43 vs. MGYR: 22.64 )
Ranked among companies with meaningful Shiller P/E only.
MGYR' s Shiller P/E Range Over the Past 10 Years
Min: 16.06  Med: 19.71 Max: 23.58
Current: 22.64
16.06
23.58

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
MGYR's Price/Tangible Book is ranked lower than
58% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MGYR: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
MGYR' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.45  Med: 1.01 Max: 1.62
Current: 1.2
0.45
1.62
Price/Projected FCF 0.42
MGYR's Price/Projected FCF is ranked higher than
73% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. MGYR: 0.42 )
Ranked among companies with meaningful Price/Projected FCF only.
MGYR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.34 Max: 0.42
Current: 0.42
0.19
0.42
Price/Median PS Value 1.81
MGYR's Price/Median PS Value is ranked lower than
94% of the 2093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. MGYR: 1.81 )
Ranked among companies with meaningful Price/Median PS Value only.
MGYR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.12  Med: 1.21 Max: 2.47
Current: 1.81
0.12
2.47
Price/Peter Lynch Fair Value 3.99
MGYR's Price/Peter Lynch Fair Value is ranked lower than
99% of the 628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. MGYR: 3.99 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MGYR' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 4.05  Med: 4.05 Max: 4.05
Current: 3.99
Price/Graham Number 1.99
MGYR's Price/Graham Number is ranked lower than
94% of the 2050 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. MGYR: 1.99 )
Ranked among companies with meaningful Price/Graham Number only.
MGYR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.33  Med: 2.03 Max: 30.63
Current: 1.99
0.33
30.63
Earnings Yield (Greenblatt) (%) 1.91
MGYR's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MGYR: 1.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MGYR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 1.00 Max: 11
Current: 1.91
0.1
11
Forward Rate of Return (Yacktman) (%) 34.60
MGYR's Forward Rate of Return (Yacktman) (%) is ranked higher than
79% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. MGYR: 34.60 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MGYR' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 17.9  Med: 37.10 Max: 118.1
Current: 34.6
17.9
118.1

More Statistics

Revenue(Mil) $18
EPS $ 0.16
Beta-0.19
Short Percentage of Float0.03%
52-Week Range $8.39 - 11.15
Shares Outstanding(Mil)5.82

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, engaged in attracting retail deposits from the general public in the areas surrounding its main office in New Brunswick, New Jersey and its branch offices located in Middlesex and Somerset Counties, New Jersey, 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, Small Business Administration (SBA) loans, construction loans and investment securities. It also originates consumer loans, which consist of secured demand loans. It originates loans for its loan portfolio. Its investment securities consist of mortgage-backed securities and U.S. Government and government-sponsored enterprise obligations. The Company acts as an independent, community financial services provider, and offers traditional banking and related financial services to individual, business and government customers. The Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and home equity loans; and the provision of other financial services. It originates residential mortgage loans to purchase or refinance residential real property. The Company's competition for loans and deposits comes principally from commercial banks, savings institutions, mortgage banking firms and credit unions. It faces additional competition for deposits from short-term money market funds, brokerage firms, mutual funds and insurance companies.
» 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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