Magyar Bancorp Inc (MGYR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Magyar Bancorp Inc stock (MGYR) is currently trading at $17.25. Magyar Bancorp Inc PE ratio is 10.80. Magyar Bancorp Inc PS ratio (Price-to-Sales) is 2.96. Analyst consensus price target for MGYR is $13.00. WallStSmart rates MGYR as Underperform.
- MGYR PE ratio analysis and historical PE chart
- MGYR PS ratio (Price-to-Sales) history and trend
- MGYR intrinsic value — DCF, Graham Number, EPV models
- MGYR stock price prediction 2025 2026 2027 2028 2029 2030
- MGYR fair value vs current price
- MGYR insider transactions and insider buying
- Is MGYR undervalued or overvalued?
- Magyar Bancorp Inc financial analysis — revenue, earnings, cash flow
- MGYR Piotroski F-Score and Altman Z-Score
- MGYR analyst price target and Smart Rating
Magyar Bancorp Inc
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MGYR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Magyar Bancorp Inc (MGYR)
MGYR trades 70% above its Graham fair value of $10.61, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Magyar Bancorp Inc (MGYR) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Magyar Bancorp Inc (MGYR) Key Strengths (3)
Keeps $41 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $28 of every $100 in revenue as net profit
Supporting Valuation Data
Magyar Bancorp Inc (MGYR) Areas to Watch (6)
Revenue declining -3.50%, a shrinking business
Earnings declining -2.50%, profits shrinking
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Revenue is fairly priced at 2.96x sales
Moderate institutional interest at 31.57%
Supporting Valuation Data
Magyar Bancorp Inc (MGYR) Detailed Analysis Report
Overall Assessment
This company scores 50/100 in our Smart Analysis, earning a D+ grade. Out of 9 metrics analyzed, 3 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.86) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 40.70%, Profit Margin at 27.70%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Market Cap. Some valuation metrics including Price/Sales (2.96) suggest expensive pricing. Growth concerns include Revenue Growth at -3.50%, EPS Growth at -2.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.51%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.51% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -3.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
MGYR Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
MGYR's Price-to-Sales ratio of 2.96x sits near its historical average of 3.07x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 6% below its historical high of 3.13x set in Mar 2026, and 0% above its historical low of 2.96x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Magyar Bancorp Inc (MGYR) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Magyar Bancorp Inc faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 35M with 350% decline year-over-year. Profit margins are strong at 27.7%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 851.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 27.7% and operating margin of 40.7% demonstrate strong pricing power and operational efficiency.
Revenue contracted 350% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Debt management: total debt of 49M is significantly higher than cash (2M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Magyar Bancorp Inc.
Bottom Line
Magyar Bancorp Inc faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Magyar Bancorp Inc(MGYR)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Magyar Bancorp, Inc. is the holding company of Magyar Bank providing various banking services in the United States.