MGYR - NASDAQ

Magyar Bancorp, Inc.

MGYR·NASDAQ

$17.15

+0.058%

Financial ServicesBanks - Regional

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States. It accepts various deposit accounts, including demand, savings, NOW, money market, and retirement accounts, as well as certificates of deposit. The company also provides residential mortgage loans, multi-family and commercial real estate mortgage loans, home equity loans and lines of credit, commercial business loans, and construction loans, as well as small business administration loans. In addition, it offers non-deposit investment products and financial planning services, including insurance products, fixed and variable annuities, and retirement planning for individual and commercial customers; and buys, sells, and holds investment securities. The company has seven branch offices located in New Brunswick, North Brunswick, South Brunswick, Branchburg, Bridgewater, and Edison, New Jersey. Magyar Bancorp, Inc. was founded in 1922 and is headquartered in New Brunswick, New Jersey.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$110.84M

EPS1.5700

P/E Ratio10.92

Earnings Date04/29/2026

997.66M

Assets

3Y+25.0%

5Y+32.0%

10Y+71.0%

878.82M

Total Liabilities

3Y+26.0%

5Y+26.0%

10Y+64.0%

118.84M

Total Equity

3Y+21.0%

5Y+109.0%

10Y+149.0%

Magyar Bancorp, Inc. Funding & Solvency Profile

MGYR · NASDAQ

Current Assets

Cash & Cash Equivalents7.09M

Net Receivables5.80M

Inventory0.00

Other Current Assets0.00

Total Current Assets29 M

Non-Current Assets

Property, Plant & Equipment12.18M

Goodwill & Intangible Assets0.00

Long-Term Investments921.56M

Other Non-Current Assets35.14M

Total Non-Current Assets969 M

Total Assets

997.66M

Financial Health Analysis

Current Ratio

0.04x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.39x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-786497000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

3% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Magyar Bancorp, Inc. Balance Sheet

MGYR • NASDAQ

Magyar Bancorp, Inc. Balance Sheet	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009	Sep 2008	Sep 2007	Sep 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	7.1M	25.6M	72.5M	30.9M	75.2M	61.7M	21.5M	15.4M	22.3M	21.8M	18.1M	10.3M	17.8M	10M	15M	21.1M	7.9M	5M	5.2M	6M
Short-Term Investments	15.9M	15.6M	10.1M	9.2M	12.9M	14.6M	16.7M	22.5M	11.8M	5.2M	6.1M	12.1M	15.8M	16.8M	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	23M	41.2M	82.7M	40.2M	88.1M	76.3M	38.2M	37.8M	34.1M	27M	24.2M	22.3M	33.6M	26.8M	15M	21.1M	7.9M	5M	5.2M	6M
Net Receivables	5.8M	5.1M	4.3M	3.5M	3.5M	4M	2.1M	2.2M	1.9M	1.7M	1.7M	1.7M	1.8M	1.9M	1.9M	2M	2.2M	2.2M	2.5M	2.2M
Accounts Receivables	5.8M	5.1M	4.3M	3.5M	3.5M	4M	2.1M	2.2M	1.9M	1.7M	1.7M	1.7M	1.8M	1.9M	1.9M	2M	2.2M	2.2M	2.5M	2.2M
Total Current Assets	28.8M	46.3M	87M	43.6M	91.7M	80.3M	40.3M	40M	36.1M	28.8M	25.9M	24M	35.3M	28.7M	17M	23M	10.1M	7.2M	7.8M	8.2M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	12.2M	12.5M	13.3M	13.9M	14.3M	14.7M	16.2M	17M	17.6M	18.1M	17.8M	18.6M	20.9M	21.5M	20.6M	20.1M	20.6M	21.6M	22.3M	21.7M
Intangible Assets	0.0	159K	0.0	0.0	0.0	0.0	26K	45K	69K	97K	132K	175K	229K	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	0.0	159K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	921.6M	852.4M	774.9M	711.5M	643M	633.6M	547.7M	542.1M	522.1M	508M	473.2M	453.2M	449.4M	426.3M	451.6M	462.6M	513M	465.1M	427.1M	390M
Other Non-Current Assets	35.1M	40.5M	32.1M	29.5M	25M	25.4M	26.2M	24.9M	27.3M	29.6M	33.7M	34.7M	32.2M	32.2M	34.9M	32.2M	21.4M	20.4M	16M	14.2M
Total Non-Current Assets	968.9M	905.7M	820.3M	754.9M	682.3M	673.7M	590M	584M	567M	555.6M	524.7M	506.4M	502.4M	480.1M	507.1M	514.9M	555.1M	507.1M	465.4M	426M
Total Assets	997.7M	951.9M	907.3M	798.5M	774M	754M	630.3M	624M	603M	584.4M	550.6M	530.4M	537.7M	508.8M	524M	537.9M	565.2M	514.3M	473.2M	434.2M
LIABILITIES
CURRENT LIABILITIES
Total Payables	969K	891K	443K	85K	85K	191K	191K	193K	105K	115K	102K	119K	141K	196K	3.6M	3.5M	5.3M	660K	1.7M	1.1M
Accounts Payable	969K	891K	443K	85K	85K	191K	191K	193K	105K	115K	102K	119K	141K	196K	3.6M	3.5M	5.3M	660K	1.7M	1.1M
Short Term Debt	0.0	3.5M	4.4M	4.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	5M	5M	5M	15M	15M	15M	15M	10M	5M
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	814.3M	796.7M	755.5M	667.7M	639.8M	618.3M	530.1M	530.1M	515.2M	492.7M	466.3M	448.5M	453.3M	416.5M	424.9M	427.9M	448.5M	376.8M	369.9M	326.8M
Total Current Liabilities	815.3M	801.1M	760.3M	672.6M	639.9M	618.5M	530.3M	530.3M	515.3M	492.8M	466.4M	453.6M	458.5M	421.7M	443.6M	446.4M	468.8M	392.5M	381.7M	332.9M
NON-CURRENT LIABILITIES
Long Term Debt	49.1M	25.1M	29.5M	15.6M	23.4M	67.4M	36.2M	35.5M	31.9M	36M	31.6M	25.5M	27.1M	36.5M	34.9M	45.8M	56.4M	72.9M	40M	48M
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.1M	1.6M	1.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	14.5M	15.2M	12.7M	11.9M	13.1M	11.2M	0.0	6.8M	6.4M	7.8M	5.9M	5.4M	6.8M	5.6M	1M	1.6M	0.0	3M	3.3M	5.1M
Total Non-Current Liabilities	63.5M	40.3M	42.2M	27.5M	36.5M	78.6M	45.4M	42.3M	38.3M	43.9M	37.5M	30.9M	33.9M	42.1M	36M	47.3M	56.4M	75.9M	43.3M	53.1M
Total Liabilities	878.8M	841.4M	802.5M	700M	676.3M	697.1M	575.7M	572.6M	553.6M	536.7M	503.9M	484.5M	492.4M	463.8M	479.5M	493.8M	525.2M	468.4M	425M	386M
SHAREHOLDERS' EQUITY
Treasury Stock	-7.8M	-7.4M	-5.4M	-5.8M	-1.2M	-1.2M	-1.2M	-1.2M	-1.2M	-1.2M	-1.2M	-1.2M	-1.3M	-1.3M	-1.5M	-1.7M	-1.9M	-2.1M	-1.7M	0.0
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	59K	0.0	0.0	0.0
Common Stock	71K	71K	71K	71K	71K	59K	59K	59K	59K	59K	59K	59K	59K	59K	59K	59K	59K	59K	59K	59K
Additional Paid-In Capital	63.4M	63.1M	62.8M	63.7M	63.7M	26.3M	26.3M	26.3M	26.3M	26.3M	26.3M	26.3M	26.3M	26.4M	26.5M	26.4M	26.3M	26.2M	26.1M	25.8M
Retained Earnings	66.6M	58.6M	52.2M	45.8M	39.3M	33.2M	31M	28M	25.8M	24.3M	23.3M	22.4M	21.8M	21.6M	21.1M	21.3M	17.3M	23.4M	25.7M	25M
Accumulated Other Comprehensive Income/Loss	-523K	-916K	-1.8M	-2.1M	-947K	-1.4M	-1.3M	-1.5M	-1M	-1.2M	-999K	-716K	-638K	-604K	-407K	-532K	-333K	-1.7M	-1.9M	-2.6M
Other Total Stockholders' Equity	-2.9M	-3M	-3.1M	-3.2M	-3.2M	-65K	-214K	-356K	-492K	-627K	-752K	-877K	-1M	-1.1M	-1.2M	-1.3M	-1.5M	0.0	0.0	0.0
Total Stockholders' Equity	118.8M	110.5M	104.8M	98.5M	97.6M	56.9M	54.7M	51.4M	49.5M	47.7M	46.7M	45.9M	45.3M	45M	44.5M	44.2M	40M	45.8M	48.2M	48.2M
Total Equity	118.8M	110.5M	104.8M	98.5M	97.6M	56.9M	54.7M	51.4M	49.5M	47.7M	46.7M	45.9M	45.3M	45M	44.5M	44.2M	40M	45.8M	48.2M	48.2M
SUMMARY
Total Liabilities & Equity	997.7M	951.9M	907.3M	798.5M	774M	754M	630.3M	624M	603M	584.4M	550.6M	530.4M	537.7M	508.8M	524M	537.9M	565.2M	514.3M	473.2M	434.2M
Total Investments	937.5M	868M	785M	720.7M	655.9M	648.1M	564.4M	564.5M	533.9M	513.2M	479.3M	465.2M	465.1M	443.1M	451.6M	462.6M	513M	465.1M	427.1M	390M
Total Debt	49.1M	28.6M	33.9M	20.4M	23.4M	67.4M	36.2M	35.5M	31.9M	36M	31.6M	30.5M	32.1M	41.5M	49.9M	60.8M	71.4M	87.9M	50M	53M
Net Debt	42M	3M	-38.6M	-10.6M	-51.8M	5.7M	14.7M	20.2M	9.6M	14.2M	13.5M	20.2M	14.3M	31.5M	34.9M	39.7M	63.5M	82.9M	44.8M	47M
Shares Outstanding	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948	6,450,948

SEC Filings

MGYR - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 13, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 13, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 12, 2026	February 11, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 11, 2026	February 11, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 29, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	December 30, 2025	February 11, 2026	2026	View Filing
10-K 10-K 2025 FY FY	December 19, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 30, 2025	October 30, 2025	2025	View Filing
10-Q 10-Q 2025 Q2 Q2	August 13, 2025	June 30, 2025	2025	View Filing

Showing 1 to 10 of 267 filings

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