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Financials · MGYR

Magyar Bancorp Inc. (MGYR) financials

For the twelve months ended Jun 30, 2026, Magyar Bancorp Inc. reported $59.05M of revenue and $11.78M of net income.

Revenue, TTM
$59.05M
Revenue growth, YoY
-11.1%
Net income, TTM
$11.78M
Net income growth, YoY
+20.5%
Net margin
20.0%
Free cash flow, TTM
$14.13M
EPS, diluted, TTM
$1.87
EPS growth, YoY
+19.9%
Cash
$11.47M
Total debt
$49.05M
P/E
11.98
P/S
2.39
Market cap
$141.2M
Annual revenue$54.71M
FY2016FY2025
Annual net income$9.76M
FY2016FY2025
Annual free cash flow$9.81M
FY2016FY2025

MGYR revenue and earnings growth

MGYR revenueQ3 2026$15.25M

Quarter YoY
+9.0%
QoQ
+2.0%
FY YoY
+12.6%
5Y CAGR
+18.8%
10Y CAGR
+11.6%

MGYR revenue was $15.25M in fiscal Q3 2026 (ended Jun 30, 2026), up 9.0% from a year earlier and up 2.0% from the prior quarter. For the full fiscal 2025 it was $54.71M, up 12.6% from fiscal 2024. Compound annual growth was +18.8% over 5 years and +11.6% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

MGYR net incomeQ3 2026$3.09M

Quarter YoY
+25.2%
QoQ
+2.1%
FY YoY
+25.4%
5Y CAGR
+34.8%
10Y CAGR
+27.0%

MGYR net income was $3.09M in fiscal Q3 2026 (ended Jun 30, 2026), up 25.2% from a year earlier and up 2.1% from the prior quarter. For the full fiscal 2025 it was $9.76M, up 25.4% from fiscal 2024. Compound annual growth was +34.8% over 5 years and +27.0% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

MGYR EPSQ3 2026$0.49

Quarter YoY
+22.5%
QoQ
+2.1%
FY YoY
+26.8%
5Y CAGR
+38.2%
10Y CAGR
+26.4%

MGYR diluted EPS was $0.49 in fiscal Q3 2026 (ended Jun 30, 2026), up 22.5% from a year earlier and up 2.1% from the prior quarter. For the full fiscal 2025 it was $1.56, up 26.8% from fiscal 2024. Compound annual growth was +38.2% over 5 years and +26.4% over 10 years.

MGYR free cash flowQ3 2026$4.76M

Quarter YoY
+115.4%
QoQ
+64.0%
FY YoY
+78.3%
5Y CAGR
+71.2%
10Y CAGR
-2.3%

MGYR free cash flow was $4.76M in fiscal Q3 2026 (ended Jun 30, 2026), up 115.4% from a year earlier and up 64.0% from the prior quarter. For the full fiscal 2025 it was $9.81M, up 78.3% from fiscal 2024. Compound annual growth was +71.2% over 5 years and -2.3% over 10 years.

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Income statement

Income statement
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Revenue$54.71M$48.57M$30.42M$29.73M$29.00M$23.13M$22.53M$21.82M$20.20M$19.06M
Interest expense--$10.33M$2.48M$2.94M$5.51M$6.71M$4.65M$3.77M$3.53M
Pre-tax income$13.81M$11.10M$10.74M$11.17M$8.72M$3.11M$4.26M$3.50M$2.42M$1.75M
Income tax$4.05M$3.32M$3.03M$3.25M$2.60M$921.0K$1.26M$1.47M$994.0K$664.0K
Net income$9.76M$7.78M$7.71M$7.92M$6.12M$2.19M$3.00M$2.03M$1.42M$1.09M
EPS, basic$1.57$1.23$1.20$1.17$1.01$0.31$0.51$0.35$0.24$0.19
EPS, diluted$1.56$1.23$1.20$1.17$1.01$0.31$0.51$0.35$0.24$0.19
Diluted shares6.2M6.3M6.4M6.8M6.0M7.1M5.8M5.8M5.8M5.8M

Balance sheet

Balance sheet
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Cash and equivalents$7.09M$25.60M$72.53M$30.94M$75.20M$61.73M$21.47M$15.37M$22.33M$21.81M
Total assets$997.66M$951.92M$907.29M$798.54M$773.99M$754.00M$630.33M$623.97M$603.04M$584.38M
Short-term debt--$29.52M$15.63M$23.36M$67.41M$36.19M---
Total debt$49.05M$28.57M$29.52M-------
Total liabilities$878.82M$841.37M$802.50M$700.04M$676.35M$697.15M$575.68M$572.61M$553.59M$536.65M
Shareholders' equity$118.84M$110.55M$104.79M$98.50M$97.64M$56.85M$54.65M$51.36M$49.46M$47.73M

Cash flow

Cash flow
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Operating cash flow$10.39M$6.32M$8.48M$11.20M$9.26M$814.0K$5.79M$4.62M$3.60M$8.51M
Capital expenditures$574.0K$812.0K-$3.00M$420.0K$147.0K$53.0K$284.0K$299.0K$184.0K
Free cash flow$9.81M$5.51M-$8.20M$8.84M$667.0K$5.74M$4.34M$3.30M$8.33M
Investing cash flow-$64.25M-$90.29M-$66.05M-$69.74M-$8.20M-$79.96M-$405.0K-$30.49M-$21.76M-$36.01M
Financing cash flow$35.35M$37.04M$99.17M$14.28M$12.41M$119.40M$717.0K$18.90M$18.68M$31.19M
Dividends paid$1.82M$1.68M--------
Stock-based compensation$621.0K$646.0K$664.0K$6.0K-----$3.0K

Key ratios

Key ratios
Line item
FY2025
Sep 30, 2025
FY2024
Sep 30, 2024
FY2023
Sep 30, 2023
FY2022
Sep 30, 2022
FY2021
Sep 30, 2021
FY2020
Sep 30, 2020
FY2019
Sep 30, 2019
FY2018
Sep 30, 2018
FY2017
Sep 30, 2017
FY2016
Sep 30, 2016
Revenue growth, YoY12.6%59.7%2.3%2.5%25.4%2.7%3.2%8.0%6.0%4.6%
Net income growth, YoY25.4%1.0%-2.7%29.4%179.5%-26.9%47.6%42.7%30.4%21.6%
EPS growth, YoY26.8%2.5%2.6%15.8%225.8%-39.2%45.7%45.8%26.3%26.7%
Net margin17.8%16.0%25.3%26.6%21.1%9.5%13.3%9.3%7.0%5.7%
Free cash flow margin17.9%11.3%-27.6%30.5%2.9%25.5%19.9%16.3%43.7%
Return on equity8.2%7.0%7.4%8.0%6.3%3.9%5.5%4.0%2.9%2.3%
Return on assets1.0%0.8%0.8%1.0%0.8%0.3%0.5%0.3%0.2%0.2%
Debt to equity0.410.260.28-------

Source: XBRL data Magyar Bancorp Inc. files with the SEC, latest filing dated Aug 13, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

MGYR peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
MGYR$59.05M-11.1%$11.78M20.0%$141.2M
HSBC$68.27B+3.7%$23.13B33.9%$309.74B
EBC$1.19B+61.8%$381.02M32.1%$5.34B
AX$1.55B+23.0%$507.67M32.7%$5.33B
TFSL$343.73M+10.5%$102.06M29.7%$4.65B
PFS$924.11M+8.6%$310.15M33.6%$3.20B
BKU$1.13B+5.4%$273.97M24.3%$3.07B
CFFN$229.25M+19.4%$82.83M36.1%$1.08B

MGYR FAQ

8 questions
  • What is MGYR revenue?
    Magyar Bancorp Inc. (MGYR) reported $59.05M of revenue for the twelve months ended Jun 30, 2026. That is down 11.1% from the year before. Revenue for fiscal 2025 was $54.71M.
  • Is MGYR profitable?
    Yes. Magyar Bancorp Inc. earned $11.78M in net income for the twelve months ended Jun 30, 2026, a net margin of 20.0%.
  • How much cash and debt does MGYR have?
    Magyar Bancorp Inc. reported $11.47M in cash and cash equivalents and $49.05M of debt on its most recent balance sheet in SEC filings.
  • How fast is MGYR revenue growing?
    Magyar Bancorp Inc.'s revenue changed +12.6% in fiscal 2025, to $54.71M. Its compound annual growth rate was +18.8% over 5 years and +11.6% over 10 years.
  • What is MGYR free cash flow?
    Magyar Bancorp Inc. generated $14.13M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $14.98M less capital expenditures.
  • What is MGYR earnings per share?
    Diluted earnings per share were $1.87 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did MGYR last report financial results?
    The latest statements here come from Magyar Bancorp Inc.'s 10-Q filed on Aug 13, 2026, covering the period ended Jun 30, 2026.
  • Where does this MGYR financial data come from?
    Quantisnow builds these statements from the structured XBRL data Magyar Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.