Magyar Bancorp, Inc. (MGYR) Key Metrics
MGYR valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $128.1M
- Enterprise value
- $167.7M
- P/E (TTM)
- 10.6 10-yr median 14.6
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 3.3 10-yr median 2.1
- Price / book
- 0.9 10-yr median 0.9
- EV / EBITDA
- — 10-yr median 8.4
- Dividend yield
- 2.02% $0.40 a year
- Beta
- 0.27
MGYR key metrics, FY2016–FY2025
Fiscal year ended September 30, 2025 · U.S. dollarsMGYR valuation Price multiples at each fiscal year-end price.
MGYR returns How much profit the business earns on the capital it uses.
MGYR per-share figures Results divided by the shares outstanding at year-end.
MGYR financial health Debt, liquidity and how easily interest is covered.
MGYR efficiency & capital use Working capital cycle and where the cash goes.
MGYR valuation history
MGYR returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
MGYR debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
MGYR cash returned to shareholders
MGYR price vs earnings per share
MGYR key metrics
FY2016–FY2025| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $107.6M | $78.1M | $65.9M | $84.3M | $69.1M | $39.4M | $56.4M | $57.7M | $59.5M | $47.4M |
| Enterprise value | $133.7M | $65.5M | $17.1M | $64.5M | $4.4M | $30.5M | $54.4M | $55.4M | $57.2M | $56.4M |
| P/E ratio | 11.0 | 10.0 | 8.5 | 10.6 | 11.3 | 18.0 | 18.8 | 28.4 | 41.8 | 43.5 |
| Price / sales | 1.8 | 1.5 | 2.2 | 2.6 | 2.2 | 1.4 | 1.9 | 2.2 | 2.5 | 2.1 |
| Price / book | 0.9 | 0.7 | 0.6 | 0.9 | 0.7 | 0.7 | 1.0 | 1.1 | 1.2 | 1.0 |
| Price / free cash flow | 11.0 | 14.2 | 7.8 | 7.8 | 7.8 | 59.0 | 9.8 | 13.3 | 18.0 | 5.7 |
| Price / operating cash flow | 10.4 | 12.4 | 7.8 | 7.5 | 7.5 | 48.4 | 9.7 | 12.5 | 16.5 | 5.6 |
| EV / sales | 2.3 | 1.3 | 0.6 | 2.0 | 0.1 | 1.1 | 1.9 | 2.1 | 2.4 | 2.5 |
| EV / EBITDA | 9.1 | 5.5 | 1.6 | 5.4 | 0.5 | 7.7 | 10.6 | 12.7 | 17.7 | 22.3 |
| EV / free cash flow | 13.6 | 11.9 | 2.0 | 6.0 | 0.5 | 45.7 | 9.5 | 12.8 | 17.3 | 6.8 |
| Earnings yield | 9.1% | 10.0% | 11.7% | 9.4% | 8.9% | 5.6% | 5.3% | 3.5% | 2.4% | 2.3% |
| Free cash flow yield | 9.1% | 7.0% | 12.9% | 12.8% | 12.8% | 1.7% | 10.2% | 7.5% | 5.6% | 17.6% |
| Dividend yield | 1.7% | 2.1% | 2.0% | 1.7% | 4.7% | 3.6% | 2.5% | 0.0% | 0.0% | 0.0% |
| Shareholder yield (dividends + buybacks) | 2.5% | 5.2% | 3.8% | 7.1% | 9.5% | 3.9% | 2.5% | 0.0% | 0.0% | 0.0% |
| Share price at fiscal year-end | $17.27 | $12.32 | $10.25 | $12.43 | $11.45 | $6.83 | $9.60 | $9.96 | $10.03 | $8.26 |
| Per share | ||||||||||
| Revenue per share | $9.37 | $8.22 | $4.73 | $4.75 | $5.24 | $4.92 | $4.93 | $4.51 | $4.00 | $3.90 |
| Earnings per share | $1.57 | $1.23 | $1.20 | $1.17 | $1.01 | $0.38 | $0.51 | $0.35 | $0.24 | $0.19 |
| Operating cash flow per share | $1.67 | $1.00 | $1.32 | $1.65 | $1.53 | $0.14 | $0.99 | $0.80 | $0.61 | $1.48 |
| Free cash flow per share | $1.57 | $0.87 | $1.32 | $1.59 | $1.46 | $0.12 | $0.98 | $0.75 | $0.56 | $1.45 |
| Cash per share | $3.69 | $6.50 | $12.87 | $5.92 | $14.60 | $13.24 | $6.50 | $6.52 | $5.76 | $4.71 |
| Book value per share | $19.07 | $17.43 | $16.31 | $14.52 | $16.17 | $9.86 | $9.30 | $8.86 | $8.34 | $8.31 |
| Tangible book value per share | $19.00 | $17.41 | $16.87 | $14.52 | $16.17 | $9.86 | $9.30 | $8.85 | $8.33 | $8.29 |
| Dividends per share | $0.29 | $0.26 | $0.20 | $0.21 | $0.54 | $0.25 | $0.24 | $0.00 | $0.00 | $0.00 |
| Capex per share | $0.09 | $0.13 | $0.05 | $0.06 | $0.07 | $0.03 | $0.01 | $0.05 | $0.05 | $0.03 |
| Debt per share | $7.87 | $4.50 | $5.28 | $3.00 | $3.87 | $11.70 | $6.16 | $6.12 | $5.38 | $6.28 |
| Shares outstanding | 6.2M | 6.3M | 6.4M | 6.8M | 6.0M | 5.8M | 5.9M | 5.8M | 5.9M | 5.7M |
| Change in shares outstanding | −1.7% | −1.3% | −5.3% | +12.3% | +4.8% | −1.9% | +1.3% | −2.2% | +3.3% | −4.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 8.5% | 7.2% | 7.6% | 8.1% | 7.9% | 3.9% | 5.7% | 4.0% | 2.9% | 2.3% |
| Return on invested capital (ROIC) | 8.0% | 10.1% | 11.4% | 14.2% | 15.1% | 4.4% | 5.9% | 4.2% | 2.7% | 2.0% |
| Return on assets (ROA) | 1.0% | 0.8% | 0.9% | 1.0% | 0.8% | 0.3% | 0.5% | 0.3% | 0.2% | 0.2% |
| Return on tangible assets | 1.0% | 0.8% | 0.8% | 1.0% | 0.8% | 0.3% | 0.5% | 0.3% | 0.2% | 0.2% |
| Free cash flow margin | 16.8% | 10.6% | 27.9% | 33.6% | 28.0% | 2.4% | 19.8% | 16.6% | 13.9% | 37.2% |
| Income quality (OCF / net income) | 1.06 | 0.81 | 1.10 | 1.41 | 1.51 | 0.37 | 1.93 | 2.28 | 2.53 | 7.80 |
| Financial health | ||||||||||
| Total debt | $49.1M | $28.6M | $33.9M | $20.4M | $23.4M | $67.4M | $36.2M | $35.5M | $31.9M | $36.0M |
| Cash & short-term investments | $23.0M | $41.2M | $82.7M | $40.2M | $88.1M | $76.3M | $38.2M | $37.8M | $34.1M | $27.0M |
| Net debt | $26.1M | −$12.6M | −$48.8M | −$19.8M | −$64.8M | −$8.9M | −$2.0M | −$2.3M | −$2.2M | $9.0M |
| Debt / equity | 0.41 | 0.26 | 0.32 | 0.21 | 0.24 | 1.19 | 0.66 | 0.69 | 0.65 | 0.76 |
| Debt / assets | 0.05 | 0.03 | 0.04 | 0.03 | 0.03 | 0.09 | 0.06 | 0.06 | 0.05 | 0.06 |
| Net debt / EBITDA | 1.77 | −1.05 | −4.54 | −1.65 | −6.78 | −2.24 | −0.39 | −0.53 | −0.69 | 3.55 |
| 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 | 0.22 | 0.12 | 0.27 | 0.24 | 0.13 | 0.12 | 0.18 | 0.17 |
| Interest coverage | 0.6 | 0.5 | 1.0 | 4.5 | 3.0 | 0.6 | 0.6 | 0.8 | 0.6 | 0.5 |
| Working capital | −$786.5M | −$754.8M | −$673.3M | −$628.9M | −$548.2M | −$538.2M | −$490.0M | −$490.3M | −$479.2M | −$464.0M |
| Invested capital | $144.9M | $97.9M | $56.0M | $78.7M | $32.9M | $48.0M | $52.7M | $49.0M | $47.2M | $56.7M |
| Tangible asset value | $118.4M | $110.4M | $108.4M | $98.5M | $97.6M | $56.8M | $54.6M | $51.3M | $49.4M | $47.6M |
| Net current asset value | −$850.0M | −$795.1M | −$715.5M | −$656.4M | −$584.7M | −$616.8M | −$535.4M | −$532.6M | −$517.5M | −$507.9M |
| Graham number | $25.92 | $21.94 | $20.98 | $19.53 | $19.21 | $9.18 | $10.33 | $8.35 | $6.71 | $5.96 |
| Graham net-net per share | −$136.63 | −$125.58 | −$117.54 | −$99.48 | −$103.56 | −$113.13 | −$93.88 | −$94.17 | −$92.15 | −$93.44 |
| Capital allocation | ||||||||||
| Dividends paid | $1.8M | $1.7M | $1.3M | $1.4M | $3.3M | $1.4M | $1.4M | $0 | $0 | $0 |
| Share buybacks (net) | $844,000 | $2.4M | $1.2M | $4.6M | $3.3M | $90,000 | — | $0 | $0 | $0 |
| Dividend payout ratio | 18.7% | 21.6% | 17.1% | 18.0% | 53.5% | 65.2% | 47.6% | 0.0% | 0.0% | 0.0% |
| Dividends + buybacks / free cash flow | 27.2% | 73.6% | 29.8% | 55.3% | 74.0% | 227.4% | 24.9% | 0.0% | 0.0% | 0.0% |
| Capex / revenue | 1.0% | 1.6% | 1.0% | 1.2% | 1.3% | 0.5% | 0.2% | 1.1% | 1.3% | 0.8% |
| Capex / operating cash flow | 5.5% | 12.9% | 3.6% | 3.5% | 4.5% | 18.1% | 0.9% | 6.1% | 8.3% | 2.2% |
| Capex / depreciation | 0.61 | 0.91 | 0.32 | 0.46 | 0.50 | 0.17 | 0.06 | 0.33 | 0.37 | 0.24 |
| Stock-based compensation / revenue | 1.4% | 1.5% | 0.4% | 0.6% | 0.3% | 0.4% | 0.5% | 0.6% | 0.6% | 0.6% |
| SG&A / revenue | 24.6% | 25.8% | 2.5% | 36.3% | 35.6% | 38.7% | 36.8% | 39.5% | 41.4% | 42.3% |
| Efficiency | ||||||||||
| Days sales outstanding | 33.9 | 32.9 | 46.9 | 39.7 | 43.7 | 39.7 | 27.2 | 28.7 | 28.0 | 27.8 |
| Days of inventory on hand | — | — | -1,905.8 | -7,466.6 | -5,899.1 | -2,528.9 | -1,416.5 | -2,680.2 | -4,037.6 | -1,498.3 |
| Days payables outstanding | 14.6 | 11.8 | 9.0 | 11.1 | 11.0 | 9.7 | 9.5 | 9.6 | 7.8 | 8.1 |
| Cash conversion cycle (days) | 19.3 | 21.1 | -1,867.9 | -7,438.0 | -5,866.5 | -2,498.9 | -1,398.8 | -2,661.1 | -4,017.5 | -1,478.6 |
| Receivables turnover | 10.76 | 11.10 | 7.78 | 9.19 | 8.36 | 9.20 | 13.42 | 12.72 | 13.03 | 13.11 |
| Payables turnover | 24.96 | 31.01 | 40.59 | 32.80 | 33.12 | 37.59 | 38.43 | 37.89 | 46.51 | 45.14 |
| Asset turnover | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Average receivables | $5.4M | $4.7M | $3.9M | $3.5M | $3.8M | $3.1M | $2.2M | $2.1M | $1.8M | $1.7M |
| Average payables | $930,000 | $667,000 | $264,000 | $85,000 | $138,000 | $191,000 | $192,000 | $149,000 | $110,000 | $108,500 |
| Average inventory | — | — | −$55.9M | −$57.0M | −$73.9M | −$49.7M | −$28.6M | −$41.5M | −$56.6M | −$20.1M |
| Intangibles / total assets | 0.0% | 0.0% | −0.4% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from MGYR's annual financial statements (latest annual report filed December 19, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
MGYR valuation and financial ratios
At the end of fiscal 2025 (September 30, 2025), Magyar Bancorp traded at 11.0 times earnings, against a 10-year median of 14.6. Based on the latest twelve months, the trailing P/E is 10.6. Magyar Bancorp earned a return on equity of 8.5% and a return on invested capital of 8.0% in fiscal 2025. It ended the year with $49.1 million of debt and $23.0 million in cash and short-term investments, net debt of $26.1 million. It returned $2.7 million to shareholders: $1.8 million in dividends and $0.8 million in share buybacks, 27% of free cash flow. The share count rose 8.5% from 5.7M to 6.2M over 9 years.
See the MGYR income statement, the MGYR chart for price history, or the MGYR stock overview for the latest quote and news.
MGYR key metrics FAQ
What is Magyar Bancorp's P/E ratio?
Magyar Bancorp's trailing P/E ratio is 10.6 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 11.0, compared with a 10-year median of 14.6.
What is Magyar Bancorp's EV/EBITDA?
Magyar Bancorp's enterprise value was 9.1 times EBITDA at the end of fiscal 2025 (enterprise value $133.7 million, EBITDA $14.7 million).
What is Magyar Bancorp's return on equity?
Magyar Bancorp's return on equity (ROE) was 8.5% in fiscal 2025: net income of $9.8 million on average shareholders' equity of $114.7 million.
What is Magyar Bancorp's ROIC?
Magyar Bancorp's return on invested capital was 8.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Magyar Bancorp have?
Magyar Bancorp had total debt of $49.1 million at the end of fiscal 2025, a debt-to-equity ratio of 0.41 and $26.1 million of net debt (1.77 times EBITDA).
What is Magyar Bancorp's dividend yield?
Magyar Bancorp's forward dividend yield is 2.02%. Magyar Bancorp paid $1.8 million in dividends in fiscal 2025 ($0.29 per share), a payout ratio of 18.7%.
Does Magyar Bancorp buy back its shares?
Yes. Magyar Bancorp spent $0.8 million on net share repurchases in fiscal 2025 Shares outstanding changed −1.7% over the year, to 6.2M..
What is Magyar Bancorp's free cash flow yield?
Magyar Bancorp generated $9.8 million of free cash flow in fiscal 2025, a free cash flow yield of 9.1% on its market value at year-end ($107.6 million).
What is Magyar Bancorp's current ratio?
Magyar Bancorp's current ratio was 0.04 at the end of fiscal 2025: current assets were 0.04 times current liabilities.