MGYR (Magyar Bancorp) E10: $1.02 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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MGYR Magyar Bancorp Inc MGYR
62 GF Score
Price $19.13
GF Value $17.88
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Magyar Bancorp E10?

Magyar Bancorp MGYR -0.75% 62 E10 is $1.02 as of Jun. 2026. GuruFocus rates MGYR with a GF Score™ of 62/100 and a GF Value™ of $17.88 (Fairly Valued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Magyar Bancorp's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.490. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.02 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Magyar Bancorp's average E10 Growth Rate was 22.90% per year. During the past 3 years, the average E10 Growth Rate was 24.60% per year. During the past 5 years, the average E10 Growth Rate was 32.50% per year. 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Magyar Bancorp was 64.20% per year. The lowest was 0.00% per year. And the median was 28.20% per year.

As of today (2026-08-21), Magyar Bancorp's current stock price is $19.125. Magyar Bancorp's E10 for the quarter that ended in Jun. 2026 was $1.02. Magyar Bancorp's Shiller PE Ratio of today is 18.75.

During the past 13 years, the highest Shiller PE Ratio of Magyar Bancorp was 186.64. The lowest was 15.69. And the median was 28.66.


Magyar Bancorp  (NAS:MGYR) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Magyar Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=19.125/1.02
=18.75

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Magyar Bancorp was 186.64. The lowest was 15.69. And the median was 28.66.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Magyar Bancorp E10 Related Terms


Magyar Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Magyar Bancorp's E10 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.

Magyar Bancorp E10 Chart

Magyar Bancorp Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.31 0.45 0.58 0.71 0.87

Magyar Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.83 0.87 0.91 0.97 1.02

MGYR vs JDVB, CNBP, CZBS: E10 Comparison

For the Banks - Regional subindustry, Magyar Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Magyar Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Magyar Bancorp's Shiller PE Ratio falls into.


MGYR
62GF Score
Magyar Bancorp Inc MGYR
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Magyar Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Magyar Bancorp's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.49/333.9520*333.9520
=0.490

Current CPI (Jun. 2026) = 333.9520.

Magyar Bancorp Quarterly Data

per share eps CPI Adj_EPS
201609 0.060 241.428 0.083
201612 0.060 241.432 0.083
201703 0.050 243.801 0.068
201706 0.050 244.955 0.068
201709 0.080 246.819 0.108
201712 0.060 246.524 0.081
201803 0.070 249.554 0.094
201806 0.100 251.989 0.133
201809 0.120 252.439 0.159
201812 0.120 251.233 0.160
201903 0.130 254.202 0.171
201906 0.120 256.143 0.156
201909 0.140 256.759 0.182
201912 0.100 256.974 0.130
202003 0.050 258.115 0.065
202006 0.090 257.797 0.117
202009 0.140 260.280 0.180
202012 0.190 260.474 0.244
202103 0.210 264.877 0.265
202106 0.240 271.696 0.295
202109 0.230 274.310 0.280
202112 0.250 278.802 0.299
202203 0.250 287.504 0.290
202206 0.310 296.311 0.349
202209 0.360 296.808 0.405
202212 0.280 296.797 0.315
202303 0.280 301.836 0.310
202306 0.300 305.109 0.328
202309 0.340 307.789 0.369
202312 0.260 306.746 0.283
202403 0.300 312.332 0.321
202406 0.270 314.175 0.287
202409 0.410 315.301 0.434
202412 0.330 315.605 0.349
202503 0.430 319.799 0.449
202506 0.400 322.561 0.414
202509 0.400 324.800 0.411
202512 0.500 324.054 0.515
202603 0.480 330.213 0.485
202606 0.490 333.952 0.490

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.02 mean?
Magyar Bancorp (MGYR) has a E10 of $1.02 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Magyar Bancorp and its competitors.
Is Magyar Bancorp's E10 too high?
Magyar Bancorp's current E10 is $1.02. 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 E10 compare to JDVB and CNBP?
Magyar Bancorp's E10 of $1.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Magyar Bancorp and its competitors. Magyar Bancorp's current E10 is $1.02. 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 $17.88, compared to a current price of $19.13 — trading 7% above its estimated fair value. The current E10 is $1.02. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Magyar Bancorp (MGYR), the current E10 is $1.02 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 $19.13 is trading 7% above its estimated GF Value™ of $17.88. GuruFocus considers Magyar Bancorp to be Fairly Valued.

Key valuation signals for MGYR:

  • E10: $1.02
  • GF Value™: $17.88 vs. price of $19.13 (7% above fair value)
  • GF Score™: 62/100 with 4 warning signs

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 Business Description

Address 400 Somerset Street, New Brunswick, NJ, USA, 08901
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

Get the complete analysis for MGYR

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.13
Price
$17.88
GF Value