MGYR
Magyar Bancorp, Inc.Financial Services·Banks - Regional
$17.30
$112M market cap
Revenue
$46.3M
Free Cash Flow
$9.6M
Rev Growth
+0.0%
FCF Margin
20.8%
P/FCF
11.6x
EV/FCF
15.1x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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 li
2-Year Price History
$17.45+65.4%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q2 | 15.8 | 4.3 | 4.3 | 3.0 | 3.5 | 3.2 | -0.3 | 17.1 | 50.9 | 6.3 | 12.9% | 0.8x | -- |
| Act | 2026-Q1 | 15.4 | 4.3 | 4.3 | 3.1 | 3.7 | 3.7 | -0.0 | 55.8 | 49.1 | 6.2 | 13.9% | 0.8x | -- |
| Act | 2025-Q4 | 15.1 | 3.9 | 3.7 | 2.5 | 2.9 | 2.8 | -0.1 | 23.0 | 49.1 | 6.2 | 11.5% | 0.7x | -- |
Valuation & Metrics
Market Stats
Price$17.30
Market Cap$112M
Enterprise Value$146M
P/S Ratio2.4x
P/FCF11.6x
EV/FCF15.1x
FCF Margin (TTM)20.8%
FCF Yield8.6%
Dividend Yield (TTM)2.4%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$46.3M
Net Income$8.7M
Free Cash Flow$9.6M
Revenue Growth (YoY)+0.0%
EBITDA Margin26.9%
Net Margin18.8%
FCF Margin20.8%
CapEx % of Revenue0.8%
SBC % of Revenue0.6%
ROIC12.8%
WC Change % Rev-2.3%
Interest Coverage0.7x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.0M
Days to Cover3.8
Change (vs Prior)-2.0%
Need at least 2 settlement dates for chart
Employees
Headcount91
Revenue / Employee$508,857
Gross Profit / Employee$313,033
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
25.8%(+5.3% YoY)
14 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
5.0%(+0.9% YoY)
7 filers
Vanguard, iShares, SPDR
Market makers
0.2%(-0.1% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $11.0M | $10.96 | +$116K | +$40K | -0.3% | $307.70B |
| M3F, Inc. | $4.9M | $10.69 | +$61K | −$2.6M | +1.5% | $404M |
| MALTESE CAPITAL MANAGEMENT LLC | $4.1M | $11.33 | −$100K | −$39K | -0.7% | $508M |
| Truffle Hound Capital, LLC | $3.5M | $16.70 | +$0 | +$3.5M | +2.6% | $163M |
| PL Capital Advisors, LLC | $3.2M | $10.95 | +$0 | −$1.2M | -1.3% | $332M |
| DIMENSIONAL FUND ADVISORS LPPassive | $2.3M | $11.66 | +$0 | +$28K | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $1.1M | $17.21 | +$1.1M | +$1.1M | — | $4.04T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $934K | $11.52 | −$133K | −$78K | +2.3% | $1.61T |
| Stilwell Value LLC | $692K | $10.95 | +$0 | +$0 | -0.3% | $96.1M |
| VANGUARD FIDUCIARY TRUST COPassive | $531K | $17.21 | +$528K | +$531K | — | $395.83B |
| FIRST MANHATTAN CO | $485K | $10.95 | +$0 | +$0 | -0.2% | $36.06B |
| NORTHERN TRUST CORPPassive | $455K | $11.48 | −$2K | −$4K | -0.2% | $755.34B |
| Oppenheimer & Close, LLC | $417K | $16.99 | +$0 | +$417K | +1.1% | $159M |
| RENAISSANCE TECHNOLOGIES LLC | $394K | $13.63 | +$3K | +$107K | +1.2% | $63.91B |
| BlackRock, Inc.Passive | $262K | $12.19 | +$9K | +$13K | -0.2% | $5.69T |
| SUSQUEHANNA INTERNATIONAL GROUP, LLPMM | $220K | $10.03 | −$14K | −$189K | -0.6% | $77.14B |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $200K | $11.88 | +$0 | +$0 | -2.3% | $4.93B |
| MORGAN STANLEY | $177K | $12.89 | +$0 | +$116K | -0.3% | $1.65T |
| Vanguard Global Advisers, LLCPassive | $47K | $17.21 | +$47K | +$47K | — | $186.48B |
| ACADIAN ASSET MANAGEMENT LLC | $22K | $16.32 | +$0 | +$22K | -0.5% | $70.48B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BULLISH
Holders
+0.22%
avg per quarter
Holders (ex-self)
+0.23%
excl. this stock
Buyers (this Q)
+0.36%
9 buyers · $0.00B in
Sellers (this Q)
-0.66%
5 sellers · $0.00B out
alpha coverage: 95% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-1.3%
how holders react when this stock falls
On quiet Qs
+0.0%
−10% to +10% baseline
On rallies (+10%+)
-0.9%
how they react when this stock rises
Holders' portfolio flow this Q
-0.6%
outflows — trims may be forced
Sellers' portfolio flow this Q
-2.0%
Sellers shed AUM broadly — partly forced.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-6.9%
Holder mid (any stock)
-3.4%
Holder rally (any stock)
-5.3%
Biggest decreases this quarter
CHARLES SCHWAB INVESTMENT MANAGEMENT INCexited−$544KNational Philanthropic Trustexited−$179KGEODE CAPITAL MANAGEMENT, LLC−$133Kα+2.3MALTESE CAPITAL MANAGEMENT LLC−$100Kα-0.7SUSQUEHANNA INTERNATIONAL GROUP, LLP−$14Kα-0.6POM Investment Strategies, LLCexited−$7KNORTHERN TRUST CORP−$2Kα-0.2Tower Research Capital LLC (TRC)−$0α-0.6BANK OF AMERICA CORP /DE/exited−$0
New buyers this quarter
Top-5 holders · 76.3%
ALLIANCEBERNSTEIN L.P.--
M3F, Inc.--
MALTESE CAPITAL MANAGEMENT LLC--
Truffle Hound Capital, LLC--
PL Capital Advisors, LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
ALLIANCEBERNSTEIN L.P.638KPL Capital Advisors, LLC183KM3F, Inc.284KMALTESE CAPITAL MANAGEMENT LLC237KTruffle Hound Capital, LLC200KStilwell Value LLC40KCHARLES SCHWAB INVESTMENT MANAGEMENT INC—Freestone Capital Holdings, LLC—FIRST MANHATTAN CO28KOppenheimer & Close, LLC24K
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$9K
2 txns · 1 insider · 550 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2025-12-12 | BUY | Lombardi Michael R | director | 261 | $17.24 | $4K | $17K |
| 2025-12-11 | BUY | Lombardi Michael R | director | 289 | $17.10 | $5K | $13K |
Order Flow (FINRA, ~3w lag)
51.5%retail+6.2pp
7.8%dark+2.0pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Magyar Bancorp, Inc.: Aggressive Provisioning Estimates and Brokered Deposit Reliance Masking Underlying Credit Risks
Overall Risk
4/10
Fraud
2/10
Dilution
2/10
Insolvency
3/10
Earnings Overstated
5/10
Hidden Liabilities
2/10
Legal
2/10
Audit Warnings
1/10
Hidden Upside
3/10
Contextually Acceptable
7/10