Magyar Bancorp, Inc. (MGYR) Balance Sheet
MGYR balance sheet, FY2025
September 30, 2025 · U.S. dollars$997.7M assets = $878.8M liabilities + $118.8M equity
Both columns are drawn to the same scale: what MGYR owns equals what it owes plus shareholders’ equity. Hover a block for its value.
MGYR financial health
Descriptive bands, not a rating. Fiscal FY2025.
MGYR balance sheet trends, FY2016–FY2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $584.4MFY2016 | $997.7MFY2025 | +6.1%/yr | |
| Total liabilities | $536.7MFY2016 | $878.8MFY2025 | +5.6%/yr | |
| Shareholders’ equity | $47.7MFY2016 | $118.8MFY2025 | +10.7%/yr | |
| Cash & short-term investments | $27.0MFY2016 | $23.0MFY2025 | −1.8%/yr | |
| Total debt | $36.0MFY2016 | $49.1MFY2025 | +3.5%/yr | |
| Net cash (debt) | −$9.0MFY2016 | −$26.1MFY2025 | −$17.1M | |
| Working capital | −$464.0MFY2016 | −$786.5MFY2025 | −$322.5M | |
| Book value per share | $8.31FY2016 | $19.07FY2025 | +9.7%/yr | |
| Debt / equity | 0.76FY2016 | 0.41FY2025 | −0.34 | |
| Shares outstanding | 5.7MFY2016 | 6.2MFY2025 | +0.9%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
MGYR assets
MGYR liabilities and equity
MGYR debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
MGYR balance sheet
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $23.0M | $41.2M | $82.7M | $40.2M | $88.1M | $76.3M | $38.2M | $37.8M | $34.1M | $27.0M |
| Cash & equivalents | $7.1M | $25.6M | $72.5M | $30.9M | $75.2M | $61.7M | $21.5M | $15.4M | $22.3M | $21.8M |
| Short-term investments | $15.9M | $15.6M | $10.1M | $9.2M | $12.9M | $14.6M | $16.7M | $22.5M | $11.8M | $5.2M |
| Receivables | $5.8M | $5.1M | $4.3M | $3.5M | $3.5M | $4.0M | $2.1M | $2.2M | $1.9M | $1.7M |
| Inventory | $0 | $0 | −$77.2M | −$34.7M | −$79.4M | −$68.3M | −$31.1M | −$26.1M | −$56.8M | −$56.4M |
| Other current assets | $0 | $0 | $77.2M | $34.7M | $79.4M | $68.3M | $31.1M | $26.1M | $56.8M | $56.4M |
| Total current assets | $28.8M | $46.3M | $87.0M | $43.6M | $91.7M | $80.3M | $40.3M | $40.0M | $36.1M | $28.8M |
| Property, plant & equipment (net) | $12.2M | $12.5M | $13.3M | $13.9M | $14.3M | $14.7M | $16.2M | $17.0M | $17.6M | $18.1M |
| Goodwill & intangible assets | $432,000 | $159,000 | −$3.6M | $0 | $4,000 | $12,000 | $26,000 | $45,000 | $69,000 | $97,000 |
| Long-term investments | $88.4M | $95.4M | $96.0M | $632.8M | $70.6M | $609.7M | $527.9M | $519.2M | $483.7M | $468.8M |
| Other non-current assets | $867.8M | $797.5M | $714.6M | $108.2M | $597.4M | $49.2M | $45.9M | $47.7M | $65.7M | $68.6M |
| Total assets | $997.7M | $951.9M | $907.3M | $798.5M | $774.0M | $754.0M | $630.3M | $624.0M | $603.0M | $584.4M |
| Liabilities | ||||||||||
| Accounts payable | $969,000 | $891,000 | $443,000 | $85,000 | $85,000 | $191,000 | $191,000 | $193,000 | $105,000 | $115,000 |
| Short-term debt | $2.1M | $3.5M | $4.4M | $4.7M | $11.5M | $7.8M | $10.3M | $8.9M | $5.1M | $5.0M |
| Deferred revenue | — | — | — | — | −$1.5M | $1.2M | −$3.3M | −$4.3M | −$556,000 | $1.3M |
| Total current liabilities | $815.3M | $801.1M | $760.3M | $672.6M | $639.9M | $618.5M | $530.3M | $530.3M | $515.3M | $492.8M |
| Long-term debt | $49.1M | $25.1M | $25.1M | $10.9M | $23.4M | $67.4M | $36.2M | $35.5M | $31.9M | $36.0M |
| Other long-term liabilities | $14.5M | $15.2M | $17.1M | $16.6M | $13.1M | $11.2M | $9.2M | $6.8M | $6.4M | $7.8M |
| Total liabilities | $878.8M | $841.4M | $802.5M | $700.0M | $676.3M | $697.1M | $575.7M | $572.6M | $553.6M | $536.7M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $71,000 | $71,000 | $71,000 | $71,000 | $71,000 | $59,000 | $59,000 | $26.4M | $26.3M | $26.3M |
| Retained earnings (deficit) | $66.6M | $58.6M | $52.2M | $45.8M | $39.3M | $33.2M | $31.0M | $28.0M | $25.8M | $24.3M |
| Treasury stock | — | — | — | −$5.8M | — | −$1.2M | −$1.2M | −$1.2M | −$1.2M | −$1.2M |
| Accumulated other comprehensive income | −$523,000 | −$916,000 | −$1.8M | −$2.1M | −$947,000 | −$1.4M | −$1.3M | −$1.5M | −$1.0M | −$1.2M |
| Minority interest | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Total shareholders' equity | $118.8M | $110.5M | $104.8M | $98.5M | $97.6M | $56.9M | $54.7M | $51.4M | $49.5M | $47.7M |
| Key figures | ||||||||||
| Total debt | $49.1M | $28.6M | $33.9M | $20.4M | $23.4M | $67.4M | $36.2M | $35.5M | $31.9M | $36.0M |
| Net cash (debt) | −$26.1M | $12.6M | $48.8M | $19.8M | $64.8M | $8.9M | $2.0M | $2.3M | $2.2M | −$9.0M |
| Working capital | −$786.5M | −$754.8M | −$673.3M | −$628.9M | −$548.2M | −$538.2M | −$490.0M | −$490.3M | −$479.2M | −$464.0M |
| Tangible book value | $118.4M | $110.4M | $108.4M | $98.5M | $97.6M | $56.8M | $54.6M | $51.3M | $49.4M | $47.6M |
| Book value per share | $19.07 | $17.43 | $16.31 | $14.52 | $16.17 | $9.86 | $9.30 | $8.86 | $8.34 | $8.31 |
| Shares outstanding | 6.2M | 6.3M | 6.4M | 6.8M | 6.0M | 5.8M | 5.9M | 5.8M | 5.9M | 5.7M |
| Current ratio | 0.04 | 0.06 | 0.11 | 0.06 | 0.14 | 0.13 | 0.08 | 0.08 | 0.07 | 0.06 |
| Quick ratio | 0.04 | 0.06 | 0.11 | 0.06 | 0.14 | 0.13 | 0.08 | 0.08 | 0.07 | 0.06 |
| Debt / equity | 0.41 | 0.26 | 0.32 | 0.21 | 0.24 | 1.19 | 0.66 | 0.69 | 0.65 | 0.76 |
| Equity / assets | 11.9% | 11.6% | 11.5% | 12.3% | 12.6% | 7.5% | 8.7% | 8.2% | 8.2% | 8.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $39.4M | $73.4M | $55.8M | $23.0M | $25.0M | $93.2M | $81.3M | $41.2M | $64.6M | $61.9M | $63.4M | $82.7M |
| Cash & equivalents | $2.0M | $47.6M | $34.1M | $7.1M | $7.1M | $72.9M | $58.5M | $25.6M | $49.0M | $50.0M | $51.1M | $72.5M |
| Short-term investments | $37.4M | $25.8M | $21.7M | $15.9M | $18.0M | $20.2M | $22.7M | $15.6M | $15.6M | $11.9M | $12.3M | $10.1M |
| Receivables | $5.8M | $5.9M | $5.6M | $5.8M | $5.4M | $5.3M | $5.2M | $5.1M | $4.8M | $4.8M | $4.6M | $4.3M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$23.7M | −$20.1M | −$20.0M | $611.9M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $23.7M | $20.1M | $20.0M | $0 |
| Total current assets | $45.2M | $79.3M | $61.4M | $28.4M | $30.4M | $98.5M | $86.5M | $46.3M | $69.4M | $66.7M | $68.0M | $87.0M |
| Property, plant & equipment (net) | $12.3M | $12.1M | $12.0M | $12.2M | $12.4M | $12.5M | $12.7M | $12.5M | $12.4M | $12.4M | $12.5M | $13.3M |
| Goodwill & intangible assets | $0 | $0 | $0 | $432,000 | $0 | $0 | $0 | $159,000 | $0 | $0 | $0 | −$3.6M |
| Long-term investments | $104.3M | $99.2M | $93.1M | $88.4M | $91.1M | $94.0M | $98.0M | $95.4M | $94.5M | $95.4M | $96.6M | $96.0M |
| Other non-current assets | $886.7M | $877.9M | $879.0M | $868.2M | $853.6M | $816.9M | $811.2M | $797.5M | $768.1M | $754.1M | $739.6M | $714.6M |
| Total assets | $1.05B | $1.07B | $1.05B | $997.7M | $987.5M | $1.02B | $1.01B | $951.9M | $944.4M | $928.6M | $916.7M | $907.3M |
| Liabilities | ||||||||||||
| Accounts payable | $1.5M | $1.2M | $1.1M | $969,000 | $748,000 | $734,000 | $789,000 | $891,000 | $845,000 | $689,000 | $656,000 | $443,000 |
| Short-term debt | — | — | — | $2.1M | — | — | — | $3.5M | — | — | — | $4.4M |
| Total current liabilities | $855.4M | $879.6M | $860.2M | $815.3M | $820.7M | $858.4M | $849.6M | $801.1M | $790.0M | $775.6M | $764.2M | $760.3M |
| Long-term debt | $49.1M | $49.1M | $49.1M | $49.1M | $36.1M | $33.9M | $30.4M | $25.1M | $28.6M | $28.8M | $28.8M | $25.1M |
| Other long-term liabilities | $872.8M | $15.6M | $14.5M | $14.5M | $14.4M | $15.2M | $16.7M | $15.2M | $16.7M | $16.6M | $17.2M | $17.1M |
| Total liabilities | $921.9M | $944.2M | $923.8M | $878.8M | $871.2M | $907.6M | $896.7M | $841.4M | $835.3M | $820.9M | $810.2M | $802.5M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $71,000 | $71,000 | $71,000 | $71,000 | $71,000 | $71,000 | $71,000 | $71,000 | $71,000 | $71,000 | $71,000 | $71,000 |
| Retained earnings (deficit) | $74.1M | $71.6M | $69.2M | $66.6M | $64.6M | $62.5M | $60.2M | $58.6M | $56.4M | $55.0M | $53.5M | $52.2M |
| Accumulated other comprehensive income | −$443,000 | −$471,000 | −$425,000 | −$523,000 | −$810,000 | −$897,000 | −$1.1M | −$916,000 | −$1.4M | −$1.4M | −$1.3M | −$1.8M |
| Total shareholders' equity | $126.6M | $124.2M | $121.7M | $118.8M | $116.3M | $114.3M | $111.7M | $110.5M | $109.0M | $107.6M | $106.5M | $104.8M |
| Key figures | ||||||||||||
| Total debt | $49.1M | $49.1M | $49.1M | $49.1M | $36.1M | $33.9M | $30.4M | $28.6M | $28.6M | $28.8M | $28.8M | $33.9M |
| Net cash (debt) | −$9.6M | $24.4M | $6.7M | −$26.1M | −$11.0M | $59.3M | $50.9M | $12.6M | $36.1M | $33.1M | $34.6M | $48.8M |
| Working capital | −$810.2M | −$800.3M | −$798.9M | −$786.9M | −$790.3M | −$760.0M | −$763.1M | −$754.8M | −$720.6M | −$708.9M | −$696.2M | −$673.3M |
| Tangible book value | $126.6M | $124.2M | $121.7M | $118.4M | $116.3M | $114.3M | $111.7M | $110.4M | $109.0M | $107.6M | $106.5M | $108.4M |
| Book value per share | $20.06 | $19.67 | $19.54 | $19.07 | $18.67 | $18.34 | $17.92 | $17.83 | $17.24 | $16.89 | $16.68 | $16.31 |
| Shares outstanding | 6.3M | 6.3M | 6.2M | 6.2M | 6.2M | 6.2M | 6.2M | 6.2M | 6.3M | 6.4M | 6.4M | 6.4M |
| Current ratio | 0.05 | 0.09 | 0.07 | 0.03 | 0.04 | 0.11 | 0.10 | 0.06 | 0.09 | 0.09 | 0.09 | 0.11 |
| Quick ratio | 0.05 | 0.09 | 0.07 | 0.04 | 0.04 | 0.11 | 0.10 | 0.06 | 0.09 | 0.09 | 0.09 | 0.11 |
| Debt / equity | 0.39 | 0.40 | 0.40 | 0.41 | 0.31 | 0.30 | 0.27 | 0.26 | 0.26 | 0.27 | 0.27 | 0.32 |
| Equity / assets | 12.1% | 11.6% | 11.6% | 11.9% | 11.8% | 11.2% | 11.1% | 11.6% | 11.5% | 11.6% | 11.6% | 11.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed December 19, 2025); data from EODHD.
MGYR financial position
At the end of fiscal 2025 (September 30, 2025), Magyar Bancorp had total assets of $997.7 million (up 4.8% from a year earlier), total liabilities of $878.8 million and shareholders' equity of $118.8 million. It held $23.0 million in cash and short-term investments against $49.1 million of debt, net debt of $26.1 million. Its current ratio was 0.04. In the latest quarter (ended June 30, 2026) total assets were $1.0 billion and equity $126.6 million.
Related: MGYR income statement, MGYR cash flow statement, MGYR key metrics. See the MGYR stock overview for the latest quote and news.
MGYR balance sheet FAQ
What are Magyar Bancorp's total assets?
Magyar Bancorp reported total assets of $997.7 million at the end of fiscal 2025 (September 30, 2025), compared with $951.9 million a year earlier.
How much debt does Magyar Bancorp have?
Magyar Bancorp had $49.1 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.41.
How much cash does Magyar Bancorp have?
Magyar Bancorp held $23.0 million in cash and short-term investments at the end of fiscal 2025; with $49.1 million of debt that is net debt of $26.1 million.
What is Magyar Bancorp's book value?
Magyar Bancorp's shareholders' equity (book value) was $118.8 million at the end of fiscal 2025, or $19.07 per share.
What is Magyar Bancorp's current ratio?
Magyar Bancorp had current assets of $28.8 million and current liabilities of $815.3 million, a current ratio of 0.04 (current liabilities exceed current assets).
How much goodwill does Magyar Bancorp have?
Magyar Bancorp carried $0.4 million of goodwill and intangible assets, 0.0% of total assets, at the end of fiscal 2025.