Magyar Bancorp Inc is a mid-tier stock holding company. 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. The business consists of getting retail deposits from the general public in the areas surrounding the main office in New Brunswick, New Jersey and 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.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.78
Equity-to-Asset	0.12
Debt-to-Equity	0.27
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.32	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	13.8
	3-Year EPS without NRI Growth Rate	-13.6
	3-Year FCF Growth Rate	138.3
	3-Year Book Growth Rate	17.1

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	75.01
	9-Day RSI	61.6
	14-Day RSI	55.33
	6-1 Month Momentum %	25.5
	12-1 Month Momentum %	10.39

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.33
	Dividend Payout Ratio	0.11
	Forward Dividend Yield %	1.78
	5-Year Yield-on-Cost %	1.34
	3-Year Average Share Buyback Ratio	-4.7
	Shareholder Yield %	-11.79

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	24.56
	FCF Margin %	32.34
	ROE %	7.33
	ROA %	0.87
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.53
	PE Ratio without NRI	9.59
	Shiller PE Ratio	18.75
	Price-to-Owner-Earnings	8.23
	PEG Ratio	0.69
	PS Ratio	2.35
	PB Ratio	0.7
	Price-to-Tangible-Book	0.7
	Price-to-Free-Cash-Flow	7.25
	Price-to-Operating-Cash-Flow	6.96
	EV-to-Revenue	1.71
	EV-to-FCF	5.28
	Price-to-Projected-FCF	0.44
	Price-to-DCF (Earnings Based)	0.38
	Price-to-DCF (FCF Based)	0.63
	Price-to-Median-PS-Value	0.76
	Price-to-Peter-Lynch-Fair-Value	0.65
	Price-to-Graham-Number	0.55
	FCF Yield %	13.29
	Forward Rate of Return (Yacktman) %	24.32

GF Value: $14.52

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