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Magyar BancorpMGYR +1.03%62 Debt-to-Equity is 0.39 as of Jun. 2026, which is 19% below its 10-year median of 0.48. GuruFocus rates MGYR with a GF Score™ of 62/100 and a GF Value™ of $17.87 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,419 Banks companies, Magyar Bancorp ranks better than 62.3% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Magyar Bancorp's Debt-to-Equity or its related term are showing as below:
MGYR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.15 Med: 0.48 Max: 1.19
Current: 0.39
During the past 13 years, the highest Debt-to-Equity Ratio of Magyar Bancorp was 1.19. The lowest was 0.15. And the median was 0.48.
MGYR's Debt-to-Equity is ranked better than 62.3% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs MGYR: 0.39
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Magyar Bancorp Debt-to-Equity Related Terms
Magyar Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Magyar Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MGYR vs JDVB, CNBP, CZBS: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Magyar Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Magyar Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Magyar Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Magyar Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Magyar Bancorp (MGYR) has a Debt-to-Equity of 0.39 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Magyar Bancorp and its competitors. This is 19% below median its historical median of 0.48. Over the past decade, Magyar Bancorp's Debt-to-Equity has ranged from 0.15 to 1.19. According to the industry distribution chart, Magyar Bancorp ranks #535 out of 1419 companies in the Banks industry, placing it in the top 37.7%.
Is Magyar Bancorp's Debt-to-Equity too high?
Magyar Bancorp's current Debt-to-Equity of 0.39 is 19% below median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 1.19. The Banks industry median Debt-to-Equity is 0.58. Magyar Bancorp's value of 0.39 is 32.8% below this industry median. Based on the distribution chart, Magyar Bancorp ranks #535 out of 1419 companies in the Banks industry, which is above the industry midpoint. Overall, Magyar Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Magyar Bancorp's Debt-to-Equity compare to JDVB and CNBP?
According to the Banks industry distribution chart, Magyar Bancorp ranks #535 out of 1419 companies for Debt-to-Equity. This puts Magyar Bancorp in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Magyar Bancorp's value of 0.39 is 32.8% below this benchmark. Historically, Magyar Bancorp's own Debt-to-Equity has ranged from 0.15 to 1.19 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 0.58, Magyar Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Magyar Bancorp's current Debt-to-Equity of 0.39 is 32.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Magyar Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Magyar Bancorp's current Debt-to-Equity is 0.39, which is 19% below median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Magyar Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Magyar Bancorp (MGYR) is currently considered Fairly Valued. The stock's GF Value™ is $17.87, compared to a current price of $19.70 — trading 10.2% above its estimated fair value. The current Debt-to-Equity is 0.39, which is 19% below median its 10-year median of 0.48 and 32.8% below the Banks industry median of 0.58. Magyar Bancorp's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Magyar Bancorp (MGYR), the current Debt-to-Equity is 0.39 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Magyar Bancorp (MGYR) Overvalued in 2026?
Based on GuruFocus' analysis, Magyar Bancorp stock appears to be overvalued.
The current stock price of $19.70 is trading 10.2% above its estimated GF Value™ of $17.87.
GuruFocus considers Magyar Bancorp to be Fairly Valued.
Key valuation signals for MGYR:
Debt-to-Equity: 0.39 (19% below median its 10-year median of 0.48)
GF Value™: $17.87 vs. price of $19.70 (10.2% above fair value)
Industry Position: 32.8% below the Banks median (#535 of 1419)
No single metric tells the full story. See the MGYR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Magyar Bancorp Inc is an independent, community financial services provider offering traditional banking services to individual, business, and government customers. The Company attracts retail deposits through its main office in New Brunswick, New Jersey, and branch offices in Middlesex and Somerset Counties, and invests those funds mainly in commercial and residential real estate loans, commercial business loans, SBA loans, home equity loans and lines of credit, construction and land loans, and investment securities. Revenues are derived mainly from interest on loans and securities and from fees and service charges, with lending relationships focused on small to mid-sized businesses and individual consumers in central and northern New Jersey.
62GF Score
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