30 Year Financial Data of Magyar Bancorp Inc (MGYR)

MGYR- NAS (USA)
Magyar Bancorp Inc

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$13.01

2.01(18.25%) Volume: 29,628 2:43PM EST

Avg Vol (1m): 2,106

Warning! GuruFocus has detected 1 Severe Warning Sign with MGYR. Click here to check it out.

Market Cap : 75.59 M	Enterprise Value : 83.78 M	PE Ratio : 25.51	PB Ratio : 1.30

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	3.00	5.20	2.70
EBITDA Growth (%)	N/A	N/A	N/A
Operating Income Growth (%)	N/A	N/A	N/A
EPS without NRI Growth (%)	N/A	25.60	-25.50
Free Cash Flow Growth (%)	-17.00	-35.70	-88.30
Book Value Growth (%)	2.40	4.20	4.10

*12-month growth rate is calculated with the quarterly per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 6-year and 11-year annual numbers. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the growth rate you want.

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* All numbers are in millions except for per share data, ratios, and percentage data * All shares outstanding data and per share data are split adjusted * Empty lines (lines with only 0's) are hidden by default * Preliminary data is from the companies' press releases. 10-Q/K data is not available yet. Preliminary data is not used in the calculation of Ratios,Scores or Rankings * Financial Statement Template: Bank * Cash Flow from Operations Template: Indirect Method * For latest financial page display change, please click GuruFocus 30-Y Financials Page Item Changes

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Fiscal Period	Trend	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Sep13	Sep14	Sep15	Sep16	Sep17	Sep18	Sep19	Sep20	TTM	Dec19	Mar20	Jun20	Sep20	Dec20
Per Share Data	Annuals (USD $)View: $ % YOY																	Quarterly

Revenue per Share													3.43	3.69	3.82	3.92	4.22	0.94	0.91	1.01	1.06	1.24
Earnings per Share (Diluted)													0.24	0.35	0.51	0.38	0.51	0.10	0.05	0.09	0.14	0.23
EPS without NRI													0.24	0.35	0.51	0.38	0.51	0.10	0.05	0.09	0.14	0.23
Owner Earnings per Share (TTM)													0.30	0.57	0.85	-0.21	0.11	0.57	0.32	0.10	-0.21	0.11
Free Cash Flow per Share													0.57	0.75	0.99	0.12	0.54	-0.13	-0.11	0.15	0.22	0.27
Operating Cash Flow per Share													0.62	0.79	1.00	0.14	0.55	-0.13	-0.10	0.15	0.22	0.28
Cash per Share													3.84	2.64	3.69	10.61	8.96	3.30	5.02	10.67	10.63	8.96
Dividends per Share													--	--	--	--	--	--	--	--	--	--
Book Value per Share													8.50	8.82	9.39	9.77	10.02	9.49	9.55	9.65	9.79	10.02
Tangible Book per Share													8.50	8.82	9.39	9.77	10.02	9.49	9.55	9.65	9.79	10.02
Total Debt per Share													5.48	6.10	6.22	11.59	10.37	5.24	5.35	11.52	11.61	10.37
Month End Stock Price													12.25	12.16	11.73	8.34	13.01	12.30	9.00	8.95	8.34	9.64

Ratios	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Sep13	Sep14	Sep15	Sep16	Sep17	Sep18	Sep19	Sep20	TTM	Dec19	Mar20	Jun20	Sep20	Dec20

ROE %													2.93	4.03	5.65	3.93	5.28	4.03	2.20	3.65	5.83	9.30
ROE % Adjusted to Book Value													2.03	2.92	4.52	4.62	4.06	3.10	2.34	3.92	6.86	9.69
ROA %													0.24	0.33	0.48	0.32	0.42	0.35	0.19	0.29	0.44	0.72
Return-on-Tangible-Equity													2.93	4.03	5.65	3.93	5.28	4.03	2.20	3.65	5.83	9.30
Return-on-Tangible-Asset													0.24	0.33	0.48	0.32	0.42	0.35	0.19	0.29	0.44	0.72
ROIC %													--	--	--	--	--	--	--	--	--	--
WACC %													4.42	5.19	5.33	5.66	5.18	5.66	7.34	6.58	5.66	4.96
Effective Interest Rate on Debt %													11.11	13.79	18.71	10.64	9.42	19.70	20.36	9.96	6.45	5.99

Net Interest Margin (Bank Only) %													3.48	3.59	3.61	3.53	3.60	3.61	3.48	3.62	3.51	3.74
Net Margin %													7.14	9.44	13.47	9.60	12.13	10.08	5.73	8.67	13.38	18.61
FCF Margin %													16.56	20.18	25.79	2.92	12.67	-14.10	-12.14	15.08	21.03	21.92

Debt-to-Equity													0.65	0.69	0.66	1.19	1.04	0.55	0.56	1.19	1.19	1.04
Equity-to-Asset													0.08	0.08	0.09	0.08	0.08	0.09	0.08	0.07	0.08	0.08
Debt-to-Asset													0.05	0.06	0.06	0.09	0.08	0.05	0.05	0.09	0.09	0.08

Asset Turnover													0.03	0.04	0.04	0.03	0.03	0.01	0.01	0.01	0.01	0.01
Dividend Payout Ratio													--	--	--	--	--	--	--	--	--	--


Income Statement	Annual (USD $) View: $%/share% YOY																	Quarterly
Fiscal Period		Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Sep13	Sep14	Sep15	Sep16	Sep17	Sep18	Sep19	Sep20	TTM	Dec19	Mar20	Jun20	Sep20	Dec20

Interest Income													21.98	24.35	27.10	26.93	27.16	6.77	6.60	6.79	6.77	7.00
Interest Expense													-3.77	-4.65	-6.71	-5.51	-4.83	-1.64	-1.57	-1.22	-1.08	-0.96
Net Interest Income (for Banks)													18.21	19.70	20.39	21.41	22.33	5.13	5.03	5.57	5.68	6.05
Non Interest Income													1.73	1.80	1.85	1.41	2.20	0.35	0.29	0.30	0.47	1.14
Revenue													19.94	21.50	22.24	22.82	24.53	5.48	5.32	5.87	6.15	7.19

Credit Losses Provision													1.34	1.00	0.67	1.67	2.10	0.21	0.42	0.44	0.60	0.64
Selling, General, & Admin. Expense													10.33	10.90	11.31	11.55	11.50	2.90	2.89	2.88	2.88	2.86
Other Noninterest Expense													5.85	6.10	6.00	6.50	6.70	1.58	1.59	1.83	1.50	1.78
Total Noninterest Expense													16.18	17.00	17.31	18.05	18.21	4.48	4.47	4.71	4.38	4.64
SpecialCharges													--	--	--	--	--	--	--	--	--	--
Other Income (Expense)													--	--	--	0.00	-0.00	--	--	--	-0.00	-0.00
Pre-Tax Income													2.42	3.50	4.26	3.11	4.23	0.79	0.43	0.72	1.17	1.91
Tax Provision													-0.99	-1.47	-1.27	-0.92	-1.25	-0.24	-0.12	-0.21	-0.35	-0.57
Tax Rate %													41.13	42.02	29.69	29.60	29.64	30.09	28.40	29.60	29.78	29.85
Net Income (Continuing Operations)													1.42	2.03	3.00	2.19	2.97	0.55	0.31	0.51	0.82	1.34
Net Income (Discontinued Operations)													--	--	--	--	--	--	--	--	--	--
Other Income (Minority Interest)													--	--	--	--	--	--	--	--	--	--
Net Income													1.42	2.03	3.00	2.19	2.97	0.55	0.31	0.51	0.82	1.34
Net Margin %													7.14	9.44	13.47	9.60	12.13	10.08	5.73	8.67	13.38	18.61

Preferred Dividends													--	--	--	--	--	--	--	--	--	--
EPS (Basic)													0.24	0.35	0.51	0.38	0.51	0.10	0.05	0.09	0.14	0.23
EPS (Diluted)													0.24	0.35	0.51	0.38	0.51	0.10	0.05	0.09	0.14	0.23
Shares Outstanding (Diluted Average)													5.8	5.8	5.8	5.8	5.8	5.8	5.8	5.8	5.8	5.8

Depreciation, Depletion and Amortization													0.82	0.86	0.87	0.85	0.84	0.22	0.22	0.02	0.40	0.21

Balance Sheet	Annuals (USD $)View: $%/share% YOY																	Quarterly
Fiscal Period		Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Sep13	Sep14	Sep15	Sep16	Sep17	Sep18	Sep19	Sep20	Latest Q.	Dec19	Mar20	Jun20	Sep20	Dec20

Cash and cash equivalents													22.33	15.37	21.47	61.73	52.07	19.23	29.14	61.99	61.73	52.07
Money Market Investments													--	--	--	--	--	--	--	--	--	--
Gross Loan													473.99	512.50	523.00	611.26	607.03	530.45	547.40	612.47	611.26	607.03
Allowance For Loans And Lease Losses													-3.48	-4.20	-4.89	-6.40	-7.13	-5.10	-5.53	-6.00	-6.40	-7.13
Unearned Income													0.18	0.13	0.10	-1.75	-1.37	0.08	0.04	-1.92	-1.75	-1.37
Net Loan													470.69	508.43	518.22	603.11	598.53	525.43	541.92	604.55	603.11	598.53
Securities & Investments													63.18	56.11	46.18	45.00	47.29	48.41	39.62	44.41	45.00	47.29
Accounts Receivable													1.93	2.18	2.13	4.03	4.10	2.10	2.15	3.69	4.03	4.10
Notes Receivable													--	--	--	--	--	--	--	--	--	--
Other Current Receivables													--	--	--	--	--	--	--	--	--	--
Total Receivables													1.93	2.18	2.13	4.03	4.10	2.10	2.15	3.69	4.03	4.10
Property, Plant and Equipment													17.57	16.99	16.17	14.75	14.61	15.97	15.79	14.94	14.75	14.61
Intangible Assets													--	--	--	--	--	--	--	--	--	--
Goodwill													--	--	--	--	--	--	--	--	--	--
Other Assets for Banks													27.34	24.89	26.15	25.38	25.19	29.79	29.54	28.84	25.38	25.19
Total Assets													603.04	623.97	630.33	754.00	741.78	640.94	658.16	758.41	754.00	741.78

Total Deposits													515.20	530.14	530.08	618.33	612.06	543.65	560.94	623.79	618.33	612.06
Accounts Payable & Accrued Expense													4.54	4.66	7.01	8.99	8.60	9.09	8.07	9.06	8.99	8.60
Short-Term Debt & Capital Lease Obligation													--	--	--	--	--	--	--	--	--	--
Long-Term Debt & Capital Lease Obligation													31.91	35.52	36.19	67.41	60.26	30.49	31.08	66.94	67.41	60.26
Debt-to-Equity													0.65	0.69	0.66	1.19	1.04	0.55	0.56	1.19	1.19	1.04
Other Liabilities for Banks													1.94	2.29	2.40	2.41	2.66	2.47	2.57	2.53	2.41	2.66
Total Liabilities													553.59	572.61	575.68	697.15	683.58	585.70	602.65	702.32	697.15	683.58

Common Stock													0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06
Preferred Stock													--	--	--	--	--	--	--	--	--	--
Retained Earnings													25.76	27.98	30.97	33.16	34.50	31.52	31.83	32.34	33.16	34.50
Accumulated other comprehensive income (loss)													-1.00	-1.47	-1.33	-1.36	-1.39	-1.34	-1.31	-1.27	-1.36	-1.39
Additional Paid-In Capital													26.29	26.31	26.32	26.29	26.28	26.32	26.32	26.31	26.29	26.28
Treasury Stock													-1.15	-1.15	-1.15	-1.24	-1.24	-1.15	-1.24	-1.24	-1.24	-1.24
Other Stockholders Equity													-0.49	-0.36	-0.21	-0.07	--	-0.18	-0.14	-0.10	-0.07	--
Total Stockholders Equity													49.46	51.36	54.65	56.85	58.20	55.23	55.51	56.09	56.85	58.20
Minority Interest													--	--	--	--	--	--	--	--	--	--
Total Equity													49.46	51.36	54.65	56.85	58.20	55.23	55.51	56.09	56.85	58.20
Equity-to-Asset													0.08	0.08	0.09	0.08	0.08	0.09	0.08	0.07	0.08	0.08

Cashflow Statement	Annuals (USD $)View: $%/share% YOY																	Quarterly
Fiscal Period		Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Sep13	Sep14	Sep15	Sep16	Sep17	Sep18	Sep19	Sep20	TTM	Dec19	Mar20	Jun20	Sep20	Dec20

Net Income From Continuing Operations													1.42	2.03	3.00	2.19	2.97	0.55	0.31	0.51	0.82	1.34
Depreciation, Depletion and Amortization													0.82	0.86	0.87	0.85	0.84	0.22	0.22	0.02	0.40	0.21
Change In Receivables													-0.22	-0.25	0.05	-1.90	-2.00	0.03	-0.05	-1.54	-0.34	-0.07
Change In Inventory													--	--	--	--	--	--	--	--	--	--
Change In Prepaid Assets													--	--	--	--	--	--	--	--	--	--
Change In Payables And Accrued Expense													-1.26	0.32	1.74	-2.01	-0.63	-1.76	-1.02	0.99	-0.22	-0.39
Change In Other Working Capital													0.16	-0.17	-0.23	0.70	0.50	0.09	-0.23	0.44	0.41	-0.11
Change In Working Capital													-1.32	-0.10	1.56	-3.20	-2.13	-1.64	-1.30	-0.11	-0.15	-0.56
Deferred Tax													1.00	0.71	-0.29	-0.88	-0.88	-0.14	-0.15	-0.26	-0.33	-0.13
Stock Based Compensation													0.15	0.16	0.15	0.13	0.15	0.04	0.04	0.03	0.03	0.05
Asset Impairment Charge													--	--	--	--	--	--	--	--	--	--
Cash from Discontinued Operating Activities													--	--	--	--	--	--	--	--	--	--
Cash Flow from Others													1.54	0.96	0.51	1.72	2.25	0.20	0.29	0.69	0.53	0.74
Cash Flow from Operations													3.60	4.62	5.79	0.81	3.21	-0.76	-0.61	0.89	1.29	1.64

Purchase Of Property, Plant, Equipment													-0.30	-0.28	-0.05	-0.15	-0.11	-0.02	-0.04	--	--	-0.07
Sale Of Property, Plant, Equipment													--	--	--	0.70	--	--	--	--	--	--
Purchase Of Business													--	--	--	--	--	--	--	--	--	--
Sale Of Business													--	--	--	--	--	--	--	--	--	--
Purchase Of Investment													-13.42	-4.94	-4.73	-19.78	-23.30	-5.20	--	-10.09	-4.50	-8.71
Sale Of Investment													8.00	11.39	15.49	20.98	24.40	2.93	8.88	5.33	3.85	6.34
Net Intangibles Purchase And Sale													--	--	--	--	--	--	--	--	--	--
Cash From Discontinued Investing Activities													--	--	--	--	--	--	--	--	--	--
Cash From Other Investing Activities													-16.04	-36.66	-11.11	-81.71	-69.64	-7.15	-16.20	-61.95	4.20	4.31
Cash Flow from Investing													-21.76	-30.49	-0.41	-79.96	-68.65	-9.44	-7.36	-66.72	3.55	1.88

Issuance of Stock													--	--	--	--	--	--	--	--	--	--
Repurchase of Stock													--	--	--	-0.09	--	--	--	--	--	--
Net Issuance of Preferred Stock													--	--	--	--	--	--	--	--	--	--
Issuance of Debt													0.87	8.72	9.61	41.52	41.52	--	2.59	36.92	2.00	--
Payments of Debt													-5.00	-5.10	-8.94	-10.29	-11.74	-5.70	-2.00	-1.06	-1.53	-7.15
Net Issuance of Debt													-4.14	3.62	0.67	31.22	29.77	-5.70	0.59	35.86	0.47	-7.15
Cash Flow for Dividends													--	--	--	--	--	--	--	--	--	--
Other Financing													22.82	15.28	0.05	88.27	68.50	13.65	17.29	62.82	-5.58	-6.02
Cash Flow from Financing													18.69	18.90	0.72	119.40	98.27	7.95	17.88	98.68	-5.11	-13.17

Effect of Exchange Rate Changes													--	--	--	--	--	--	--	--	--	--
Net Change in Cash													0.53	-6.97	6.10	40.26	32.84	-2.24	9.91	32.85	-0.27	-9.66
Capital Expenditure													-0.30	-0.28	-0.05	-0.15	-0.11	-0.02	-0.04	--	--	-0.07
Free Cash Flow													3.30	4.34	5.74	0.67	3.11	-0.77	-0.65	0.89	1.29	1.58

Valuation Ratios	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Sep13	Sep14	Sep15	Sep16	Sep17	Sep18	Sep19	Sep20	Current	Dec19	Mar20	Jun20	Sep20	Dec20


PE Ratio
PE Ratio without NRI
Price-to-Owner-Earnings
PB Ratio
Price-to-Tangible-Book
Price-to-Free-Cash-Flow
Price-to-Operating-Cash-Flow
PS Ratio
PEG Ratio
EV-to-Revenue
Earnings Yield (Joel Greenblatt) %
Forward Rate of Return (Yacktman) %
Shiller PE Ratio
Dividend Yield %

Valuation and Quality	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Sep13	Sep14	Sep15	Sep16	Sep17	Sep18	Sep19	Sep20	Current	Dec19	Mar20	Jun20	Sep20	Dec20


Market Cap
Enterprise Value
Month End Stock Price
Net Cash per Share
Net Current Asset Value
Net-Net Working Capital
Intrinsic Value: Projected FCF
Median PS Value
Peter Lynch Fair Value
Graham Number
Earnings Power Value (EPV)
Piotroski F-Score
Beneish M-Score
Scaled Net Operating Assets
Sloan Ratio %
Highest Stock Price
Lowest Stock Price
Shares Buyback Ratio %
Buyback Yield %
YoY Rev. per Sh. Growth
YoY EPS Growth
Shares Outstanding (Basic Average)
Shares Outstanding (EOP)
Beta
Filing Date

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