MGYR (Magyar Bancorp) Moat Score: 2/10 (As of Jul. 02, 2026)


MGYR Magyar Bancorp Inc MGYR
65 GF Score
Price $17.63
GF Value $16.29
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Magyar Bancorp Moat Score?

Magyar Bancorp MGYR +2.08% 65 Moat Score is 2 as of Jul. 02, 2026. GuruFocus rates MGYR with a GF Score™ of 65/100 and a GF Value™ of $16.29 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,612 Banks companies, Magyar Bancorp ranks better than 59.86% on this metric.

Magyar Bancorp has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Magyar Bancorp has No Moat: Magyar Bancorp operates in a competitive banking sector with limited differentiation, no significant cost advantages, and low customer switching costs, resulting in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Magyar Bancorp might have No Moat - Very weak/transient advantages.

Magyar Bancorp  (NAS:MGYR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Magyar Bancorp Moat Score Related Terms

MGYR vs CWBK, JFBC, UNB: Moat Score Comparison

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

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

* The bar in red indicates where Magyar Bancorp's Moat Score falls into.


MGYR
65GF Score
Magyar Bancorp Inc MGYR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Magyar Bancorp (MGYR) has a Moat Score of 2 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Magyar Bancorp ranks #647 out of 1612 companies in the Banks industry, placing it in the top 40.1%.
Is Magyar Bancorp's Moat Score too high?
Magyar Bancorp's current Moat Score is 2. Based on the distribution chart, Magyar Bancorp ranks #647 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, Magyar Bancorp has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Magyar Bancorp's Moat Score compare to CWBK and JFBC?
According to the Banks industry distribution chart, Magyar Bancorp ranks #647 out of 1612 companies for Moat Score. This puts Magyar Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Magyar Bancorp's current Moat Score is 2. 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 $16.29, compared to a current price of $17.63 — trading 8.2% above its estimated fair value. The current Moat Score is 2. Magyar Bancorp's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Magyar Bancorp (MGYR), the current Moat Score is 2 as of Jul. 02, 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 $17.63 is trading 8.2% above its estimated GF Value™ of $16.29. GuruFocus considers Magyar Bancorp to be Fairly Valued.

Key valuation signals for MGYR:

  • Moat Score: 2
  • GF Value™: $16.29 vs. price of $17.63 (8.2% above fair value)
  • GF Score™: 65/100 with 5 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.
65GF Score

Get the complete analysis for MGYR

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

$17.63
Price
$16.29
GF Value