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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 0.46
MGYR's Cash to Debt is ranked higher than
63% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. MGYR: 0.46 )
MGYR' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 0.46

Equity to Asset 0.09
MGYR's Equity to Asset is ranked higher than
63% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MGYR: 0.09 )
MGYR' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.12
Current: 0.09

0.06
0.12
Interest Coverage 0.07
MGYR's Interest Coverage is ranked lower than
56% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. MGYR: 0.07 )
MGYR' s 10-Year Interest Coverage Range
Min: 0.02   Max: 0.42
Current: 0.07

0.02
0.42
F-Score: 6
Z-Score: 0.13
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 (%) 1.65
MGYR's Operating margin (%) is ranked lower than
52% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. MGYR: 1.65 )
MGYR' s 10-Year Operating margin (%) Range
Min: -726.85   Max: 19.01
Current: 1.65

-726.85
19.01
Net-margin (%) 1.53
MGYR's Net-margin (%) is ranked lower than
51% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. MGYR: 1.53 )
MGYR' s 10-Year Net-margin (%) Range
Min: -35.52   Max: 61.32
Current: 1.53

-35.52
61.32
ROE (%) 0.58
MGYR's ROE (%) is ranked lower than
51% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. MGYR: 0.58 )
MGYR' s 10-Year ROE (%) Range
Min: -15.29   Max: 8.92
Current: 0.58

-15.29
8.92
ROA (%) 0.05
MGYR's ROA (%) is ranked lower than
51% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. MGYR: 0.05 )
MGYR' s 10-Year ROA (%) Range
Min: -1.08   Max: 0.73
Current: 0.05

-1.08
0.73
ROC (Joel Greenblatt) (%) 1.36
MGYR's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. MGYR: 1.36 )
MGYR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -171.49   Max: 12.9
Current: 1.36

-171.49
12.9
Revenue Growth (%) -2.00
MGYR's Revenue Growth (%) is ranked higher than
66% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MGYR: -2.00 )
MGYR' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 7.2
Current: -2

0
7.2
EBITDA Growth (%) -3.00
MGYR's EBITDA Growth (%) is ranked higher than
62% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. MGYR: -3.00 )
MGYR' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: -3
Current: -3

EPS Growth (%) -58.10
MGYR's EPS Growth (%) is ranked higher than
50% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. MGYR: -58.10 )
MGYR' s 10-Year EPS Growth (%) Range
Min: 0   Max: 78.3
Current: -58.1

0
78.3
» MGYR's 10-Y Financials

Financials


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 98.20
MGYR's P/E(ttm) is ranked lower than
54% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. MGYR: 98.20 )
MGYR' s 10-Year P/E(ttm) Range
Min: 2.68   Max: 843.85
Current: 98.2

2.68
843.85
P/B 1.00
MGYR's P/B is ranked higher than
74% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MGYR: 1.00 )
MGYR' s 10-Year P/B Range
Min: 0.31   Max: 1.83
Current: 1

0.31
1.83
P/S 2.60
MGYR's P/S is ranked higher than
65% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.06 vs. MGYR: 2.60 )
MGYR' s 10-Year P/S Range
Min: 0.16   Max: 18
Current: 2.6

0.16
18
PFCF 6.90
MGYR's PFCF is ranked higher than
82% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.14 vs. MGYR: 6.90 )
MGYR' s 10-Year PFCF Range
Min: 0.48   Max: 50.95
Current: 6.9

0.48
50.95
EV-to-EBIT 87.45
MGYR's EV-to-EBIT is ranked higher than
56% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.09 vs. MGYR: 87.45 )
MGYR' s 10-Year EV-to-EBIT Range
Min: 9.1   Max: 2834
Current: 87.45

9.1
2834

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
MGYR's Price/Tangible Book is ranked higher than
80% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. MGYR: 1.00 )
MGYR' s 10-Year Price/Tangible Book Range
Min: 0.32   Max: 1.74
Current: 1

0.32
1.74
Price/DCF (Projected) 0.30
MGYR's Price/DCF (Projected) is ranked higher than
95% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. MGYR: 0.30 )
MGYR' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 0.36
Current: 0.3

0.12
0.36
Price/Median PS Value 1.70
MGYR's Price/Median PS Value is ranked lower than
58% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MGYR: 1.70 )
MGYR' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 10.87
Current: 1.7

0.13
10.87
Price/Graham Number 2.00
MGYR's Price/Graham Number is ranked lower than
52% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MGYR: 2.00 )
MGYR' s 10-Year Price/Graham Number Range
Min: 0.33   Max: 33.77
Current: 2

0.33
33.77
Earnings Yield (Greenblatt) 1.10
MGYR's Earnings Yield (Greenblatt) is ranked lower than
60% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. MGYR: 1.10 )
MGYR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 11
Current: 1.1

0.1
11
Forward Rate of Return (Yacktman) 14.65
MGYR's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.09 vs. MGYR: 14.65 )
MGYR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 17   Max: 180.6
Current: 14.65

17
180.6

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 

More From Other Websites
Nasdaq stocks posting largest volume decreases Aug 19 2014
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MAGYAR BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 13 2014
Magyar Bancorp, Inc. Announces Third Quarter Financial Results Jul 22 2014
MAGYAR BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 22 2014
Magyar Bancorp, Inc. Announces Third Quarter Financial Results Jul 22 2014
MAGYAR BANCORP, INC. Financials May 20 2014
MAGYAR BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 13 2014
MAGYAR BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 28 2014
Magyar Bancorp, Inc. Announces Second Quarter Financial Results Apr 28 2014
MAGYAR BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... Feb 18 2014
MAGYAR BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 12 2014
MAGYAR BANCORP, INC. Files SEC form 10-Q, Quarterly Report Feb 12 2014
MAGYAR BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 22 2014
Magyar Bancorp, Inc. Announces First Quarter Financial Results Jan 22 2014
Magyar Bancorp, Inc. Announces First Quarter Financial Results Jan 22 2014
MAGYAR BANCORP, INC. Files SEC form 10-K, Annual Report Dec 20 2013
Magyar Bancorp, Inc. Announces Fourth Quarter And Year End Financial Results Nov 14 2013
Magyar Bancorp, Inc. Announces Fourth Quarter And Year End Financial Results Nov 14 2013
MAGYAR BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 14 2013

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