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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 0.43
MGYR's Cash to Debt is ranked lower than
77% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. MGYR: 0.43 )
Ranked among companies with meaningful Cash to Debt only.
MGYR' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.28 Max: N/A
Current: 0.43
Equity to Asset 0.08
MGYR's Equity to Asset is ranked lower than
72% of the 1614 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: 0.06  Med: 0.09 Max: 0.12
Current: 0.08
0.06
0.12
Interest Coverage 0.52
MGYR's Interest Coverage is ranked lower than
81% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. MGYR: 0.52 )
Ranked among companies with meaningful Interest Coverage only.
MGYR' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.11 Max: 0.52
Current: 0.52
0.02
0.52
F-Score: 4
M-Score: -2.46
WACC vs ROIC
4.58%
1.89%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 9.54
MGYR's Operating margin (%) is ranked lower than
87% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. MGYR: 9.54 )
Ranked among companies with meaningful Operating margin (%) only.
MGYR' s Operating margin (%) Range Over the Past 10 Years
Min: -35.2  Med: 2.66 Max: 9.54
Current: 9.54
-35.2
9.54
Net-margin (%) 5.85
MGYR's Net-margin (%) is ranked lower than
88% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. MGYR: 5.85 )
Ranked among companies with meaningful Net-margin (%) only.
MGYR' s Net-margin (%) Range Over the Past 10 Years
Min: -35.52  Med: 3.13 Max: 21.77
Current: 5.85
-35.52
21.77
ROE (%) 2.38
MGYR's ROE (%) is ranked lower than
86% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. MGYR: 2.38 )
Ranked among companies with meaningful ROE (%) only.
MGYR' s ROE (%) Range Over the Past 10 Years
Min: -14.26  Med: 1.2 Max: 9.36
Current: 2.38
-14.26
9.36
ROA (%) 0.20
MGYR's ROA (%) is ranked lower than
86% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MGYR: 0.20 )
Ranked among companies with meaningful ROA (%) only.
MGYR' s ROA (%) Range Over the Past 10 Years
Min: -1.13  Med: 0.11 Max: 0.71
Current: 0.2
-1.13
0.71
Revenue Growth (3Y)(%) 3.50
MGYR's Revenue Growth (3Y)(%) is ranked lower than
54% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. MGYR: 3.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MGYR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.3 Max: 7.6
Current: 3.5
0
7.6
EBITDA Growth (3Y)(%) 27.90
MGYR's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. MGYR: 27.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MGYR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -9.4 Max: 29.8
Current: 27.9
0
29.8
EPS Growth (3Y)(%) 56.00
MGYR's EPS Growth (3Y)(%) is ranked higher than
96% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. MGYR: 56.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MGYR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -57.65 Max: 78.3
Current: 56
0
78.3
GuruFocus has detected 3 Warning Signs with Magyar Bancorp Inc $MGYR.
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» MGYR's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:UBOH, OTCPK:COFS, NAS:ASRV, NAS:SFBC, NAS:EBMT, OTCPK:HARL, NAS:CWAY, OTCPK:MNSB, OTCPK:FXNC, NAS:WBKC, OTCPK:CRLN, OTCPK:CMTV, OTCPK:VABK, OTCPK:FMBJ, NAS:BOTJ, OTCPK:CLDB, OTCPK:FFHD, NAS:PFBX, NAS:CWBC, NAS:BYBK » details
Magyar Bancorp Inc through Magyar Bank is engaged in attracting retail deposits from the general public and investing those deposits together with funds generated from operations in loans and investment securities.

Magyar Bancorp Inc is a Delaware-chartered mid-tier stock holding company of Magyar Bank. The Company is an independent, community, financial services provider, and offers traditional banking and related financial services to individual, business and government customers. The Company offers 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 is 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 loans, construction loans and investment securities. Its primary sources of funds are deposits, borrowings and principal and interest payments on loans and securities.

Ratios

vs
industry
vs
history
P/E(ttm) 68.94
MGYR's P/E(ttm) is ranked lower than
96% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. MGYR: 68.94 )
Ranked among companies with meaningful P/E(ttm) only.
MGYR' s P/E(ttm) Range Over the Past 10 Years
Min: 4.63  Med: 82.88 Max: 1097
Current: 68.94
4.63
1097
PE(NRI) 68.94
MGYR's PE(NRI) is ranked lower than
96% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. MGYR: 68.94 )
Ranked among companies with meaningful PE(NRI) only.
MGYR' s PE(NRI) Range Over the Past 10 Years
Min: 4.63  Med: 82.88 Max: 1097
Current: 68.94
4.63
1097
Price/Owner Earnings (ttm) 45.97
MGYR's Price/Owner Earnings (ttm) is ranked lower than
93% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. MGYR: 45.97 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MGYR' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.59  Med: 29.45 Max: 362.73
Current: 45.97
3.59
362.73
P/B 1.60
MGYR's P/B is ranked lower than
71% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. MGYR: 1.60 )
Ranked among companies with meaningful P/B only.
MGYR' s P/B Range Over the Past 10 Years
Min: 0.31  Med: 1 Max: 1.83
Current: 1.6
0.31
1.83
P/S 3.96
MGYR's P/S is ranked lower than
60% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. MGYR: 3.96 )
Ranked among companies with meaningful P/S only.
MGYR' s P/S Range Over the Past 10 Years
Min: 0.8  Med: 2.65 Max: 20.52
Current: 3.96
0.8
20.52
PFCF 6.58
MGYR's PFCF is ranked higher than
69% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. MGYR: 6.58 )
Ranked among companies with meaningful PFCF only.
MGYR' s PFCF Range Over the Past 10 Years
Min: 1.04  Med: 4.43 Max: 112.35
Current: 6.58
1.04
112.35
POCF 6.48
MGYR's POCF is ranked higher than
65% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. MGYR: 6.48 )
Ranked among companies with meaningful POCF only.
MGYR' s POCF Range Over the Past 10 Years
Min: 0.97  Med: 4.55 Max: 47.7
Current: 6.48
0.97
47.7
EV-to-EBIT 52.01
MGYR's EV-to-EBIT is ranked lower than
94% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. MGYR: 52.01 )
Ranked among companies with meaningful EV-to-EBIT only.
MGYR' s EV-to-EBIT Range Over the Past 10 Years
Min: -899.8  Med: 80.3 Max: 2834
Current: 52.01
-899.8
2834
EV-to-EBITDA 36.36
MGYR's EV-to-EBITDA is ranked lower than
91% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. MGYR: 36.36 )
Ranked among companies with meaningful EV-to-EBITDA only.
MGYR' s EV-to-EBITDA Range Over the Past 10 Years
Min: -53.9  Med: 38.4 Max: 185.2
Current: 36.36
-53.9
185.2
PEG 2.97
MGYR's PEG is ranked lower than
74% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. MGYR: 2.97 )
Ranked among companies with meaningful PEG only.
MGYR' s PEG Range Over the Past 10 Years
Min: 2.4  Med: 3.18 Max: 6.47
Current: 2.97
2.4
6.47

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.10
MGYR's 3-Year Average Share Buyback Ratio is ranked higher than
73% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. MGYR: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MGYR' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.2  Med: -0.1 Max: 0
Current: -0.1
-0.2
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.59
MGYR's Price/Tangible Book is ranked lower than
64% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. MGYR: 1.59 )
Ranked among companies with meaningful Price/Tangible Book only.
MGYR' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.32  Med: 1.03 Max: 1.74
Current: 1.59
0.32
1.74
Price/Projected FCF 0.57
MGYR's Price/Projected FCF is ranked higher than
75% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. MGYR: 0.57 )
Ranked among companies with meaningful Price/Projected FCF only.
MGYR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.12  Med: 0.34 Max: 0.57
Current: 0.57
0.12
0.57
Price/Median PS Value 1.49
MGYR's Price/Median PS Value is ranked lower than
76% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. MGYR: 1.49 )
Ranked among companies with meaningful Price/Median PS Value only.
MGYR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.31  Med: 1.03 Max: 7.56
Current: 1.49
0.31
7.56
Price/Peter Lynch Fair Value 3.35
MGYR's Price/Peter Lynch Fair Value is ranked lower than
92% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. MGYR: 3.35 )
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: 2.49  Med: 3.16 Max: 6.19
Current: 3.35
2.49
6.19
Price/Graham Number 2.21
MGYR's Price/Graham Number is ranked lower than
96% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. MGYR: 2.21 )
Ranked among companies with meaningful Price/Graham Number only.
MGYR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.33  Med: 1.99 Max: 6.88
Current: 2.21
0.33
6.88
Earnings Yield (Greenblatt) (%) 1.88
MGYR's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. MGYR: 1.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MGYR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 1.1 Max: 11
Current: 1.88
0.1
11
Forward Rate of Return (Yacktman) (%) 34.50
MGYR's Forward Rate of Return (Yacktman) (%) is ranked higher than
88% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. MGYR: 34.50 )
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: 38.1 Max: 118.1
Current: 34.5
17.9
118.1

More Statistics

Revenue (TTM) (Mil) $19.28
EPS (TTM) $ 0.19
Beta0.15
Short Percentage of Float0.17%
52-Week Range $9.51 - 13.24
Shares Outstanding (Mil)5.82
» 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 

More From Other Websites
MAGYAR BANCORP, INC. Financials Feb 17 2017
MAGYAR BANCORP, INC. Files SEC form 10-Q, Quarterly Report Feb 14 2017
MAGYAR BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders, Other... Feb 13 2017
MAGYAR BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 08 2017
Magyar Bancorp, Inc. :MGYR-US: Earnings Analysis: Q1, 2017 By the Numbers : January 26, 2017 Jan 26 2017
Magyar Bancorp, Inc. Announces First Quarter Financial Results Jan 25 2017
MAGYAR BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 25 2017
Magyar Bancorp, Inc. :MGYR-US: Earnings Analysis: 2016 By the Numbers : December 22, 2016 Dec 22 2016
MAGYAR BANCORP, INC. Files SEC form 10-K, Annual Report Dec 16 2016
Magyar Bancorp, Inc. :MGYR-US: Earnings Analysis: Q4, 2016 By the Numbers : November 4, 2016 Nov 04 2016
Magyar Bancorp, Inc. Announces Fourth Quarter And Year End Financial Results Nov 02 2016
MAGYAR BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 02 2016
Magyar Bancorp, Inc. Announces Fourth Quarter And Year End Financial Results Nov 02 2016
MAGYAR BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 12 2016
Magyar Bancorp, Inc. :MGYR-US: Earnings Analysis: Q3, 2016 By the Numbers : August 1, 2016 Aug 01 2016
Magyar Bancorp, Inc. :MGYR-US: Earnings Analysis: Q3, 2016 By the Numbers : July 27, 2016 Jul 27 2016
Magyar Bancorp, Inc. Announces Third Quarter Financial Results Jul 25 2016
MAGYAR BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 25 2016
Magyar Bancorp, Inc. Announces Third Quarter Financial Results Jul 25 2016
MAGYAR BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 13 2016

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