What is MGYR's 12-month price target and RQD AI Jury consensus?

MGYR's 12-month base price target is $24.08 (range $18.5 to $28.41), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / MGYR

LSBK (67) FGBI (39) RVSB (58) SFBC (65) ⌘ Pro Terminal →

Magyar Bancorp Inc. (MGYR) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell MGYR stock right now?

Magyar Bancorp Inc. (MGYR) currently earns a Roarable Rating of B (Buy — BUY) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.

$22.56 +1.17% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.66

Magyar Bancorp Inc. (MGYR) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $144.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MGYR Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MGYR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Magyar Bancorp Inc. (NASDAQ: MGYR) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $22.56 (+1.17% 1D, market cap $144.0M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, MGYR ranks #63 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MGYR compare to LSBK and FGBI in the Financials sector?

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Within the Financials sector (Savings Institutions), MGYR carries a Roarable B (73/100 RQD), trailing P/E of 13.4x, gross margin of —, and ROIC of 8.0%. By comparison, LSBK (Lake Shore Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 20.6x, ROIC 5.1%, cap $146.8M) and FGBI (First Guaranty Bancshares Inc.) posts a D- grade (39/100 RQD, P/E N/A, ROIC -16.1%, cap $158.6M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MGYR?

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Per MGYR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0001337068), Magyar Bancorp Inc. generated $439.1M in revenue (+3.7% YoY), $9.8M in net income, and $9.8M in free cash flow against $1.05B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $22.66 (+0.45%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 2.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+6.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MGYR)Realized 20D OHLCV Swing Band: ±5.9%

Deterministic 5-Pillar Attribution (73/100 Composite)

🔍 WHY MGYR SCORES 73/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+15/20 pts (21% of score)

20D Institutional Volume Accumulation (±5.9% realized swing band)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$18.81+3.6% Next Q

Q2 (-2Q)

Grade B-$19.48+3.9% Next Q

Q3 (-1Q)

Grade B$20.24+11.5% Next Q

Current

Grade B$22.56+7.1% Hist 90D α

Trajectory: C+ (65) → B (73)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the MGYR Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 73/100 (B) score, MGYR faces multiple-compression risk if 13.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($19.58) or 200D SMA ($18.24) invalidates the momentum regime and cuts Target Base ($24.08) toward Bear Floor ($18.50).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MGYR• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “MGYR Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 73%NO 27%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

65.230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE99% OF RANGE

L: $16$22.56H: $23

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B+RQD 31 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on MGYR

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (70)

8.0% ROIC with 42.0% gross margin and 7.51% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (77)

31/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like MGYR

✓Big institutional funds and options desks are actively positioning on the bullish side.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (MGYR Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

MGYR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +29.51%⚡ TESTING RESISTANCE

2026-11-03O $20.24H $22.56L $20.24C $22.56VOL 26.0K

RES: $22.65SUP: $18.26SMA50: $19.58SMA200: $18.24

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MGYR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MGYR Butterfly Map → + Track MGYR →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

4.8%/yr Implied 5Y Growth

vs. +3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MGYR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MGYR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for MGYR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MGYR)

Financials Rank #63 of 1097 ⚔️ LSBK vs MGYR Full Matrix →

1. Head-to-Head Financials Peer Comparison (MGYR vs. LSBK, FGBI, RVSB, SFBC)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Magyar Bancorp Inc. (MGYR) ranks #63 by composite RQD confidence (73/100, grade B) and #930 by equity capitalization ($144.0M). Within this direct 5-issuer industry benchmark cohort, MGYR leads on earnings valuation at 13.4x trailing P/E, while MGYR leads on capital efficiency and profitability with 8.0% ROIC and — gross margin. MGYR currently leads its immediate peer cohort in composite quantitative strength at 73/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
MGYR ACTIVE Magyar Bancorp Inc.	B	73/100	13.4x	—	8.0%	+1.17%	$144.0M	Benchmark Subject
LSBK Lake Shore Bancorp Inc.	C+	67/100	20.6x	—	5.1%	+0.81%	$146.8M	/lsbk-vs-mgyr →
FGBI First Guaranty Bancshares Inc.	D-	39/100	—	—	-16.1%	+7.09%	$158.6M	/fgbi-vs-mgyr →
RVSB Riverview Bancorp Inc	D+	58/100	—	—	-2.6%	+1.17%	$121.2M	/rvsb-vs-mgyr →
SFBC Sound Financial Bancorp Inc.	C	65/100	16.1x	—	6.5%	-1.71%	$115.6M	/sfbc-vs-mgyr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0001337068 ↗

In its most recent audited fiscal period (FY2025, filed 2025-09-30), Magyar Bancorp Inc. (MGYR) reported GAAP revenue of $439.1M (+3.7% vs. FY2024 revenue of $423.5M , and +1165.8% cumulative change since FY2023) , GAAP net income of $9.8M, operating cash flow of $10.4M, and free cash flow of $9.8M (+78.3% YoY). On the balance sheet, MGYR closed FY2025 with $1.05B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-09-30	$439.1M	$9.8M	$10.4M	$9.8M	$1.05B	—
FY2024 (FY)	2024-09-30	$423.5M	$7.8M	$6.3M	$5.5M	$1.01B	—
FY2023 (FY)	2023-09-30	$34.7M	$7.7M	$8.5M	$8.5M	—	—

3. MGYR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MGYR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does MGYR compare to LSBK and FGBI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for MGYR?

Where is MGYR trading relative to its 50-day, 200-day, and 52-week technical levels?

MGYR last traded at $22.56 (+1.17% on volume of 32,586 shares), positioning the stock +15.22% above its 50-day simple moving average ($19.58) and +23.68% above its 200-day simple moving average ($18.24). Across its 52-week range of $16.03 to $22.50, MGYR sits at the 100.0% percentile with a 14-day RSI of 65.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.9% ($21.23 to $23.89).

Direct Sub-Reports: MGYR RQD Cockpit MGYR 12M Forecast MGYR Earnings & Move MGYR Dividends & DRIP MGYR Insiders & 13F MGYR Whale Options MGYR Profit Sankey MGYR News & Why

ROARABLE RATING BRIEF • RQD 73/100 (B) ✓ SEC XBRL & RQD VERIFIED

MGYR — Magyar Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-09-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Magyar Bancorp Inc. (MGYR) earns a live Roarable RQD composite score of 73/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $22.56 (+1.17% 1D, market capitalization $144.0M).

Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 8.0%, gross margin of —, operating margin of —, and free cash flow yield of 7.51%.
Whale 13F & Options Flow (15/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Magyar Bancorp Inc. (MGYR) is a NASDAQ-listed issuer in the Financials sector, Savings Institutions industry, with a market capitalization of $0.1B..

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-09-30), Magyar Bancorp Inc. (MGYR) reported $439.1M in annual revenue (up from $423.5M in FY2024, +3.7% YoY) and $9.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($34.7M revenue, $7.7M net income) through FY2025, MGYR scaled operating cash flow to $10.4M and free cash flow to $9.8M, backed by $1.05B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B • RQD 73/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $16.03 – $22.50 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.4x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Savings Institutions (Financials), MGYR carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can MGYR sustain or expand its — operating margin and 8.0% ROIC against Savings Institutions peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $439.1M and free cash flow of $9.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is MGYR's 12.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MGYR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Magyar Bancorp Inc. (MGYR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MGYR Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 22h ago

MAGYAR BANCORP, INC. ANNOUNCES FISCAL FOURTH QUARTER AND FISCAL YEAR END FINANCIAL RESULTS, DECLARES QUARTERLY DIVIDEND

Yahoo Finance report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Magyar Bancorp, Inc. Estimates – NASDAQ:MGYR

TradingView report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Magyar Bancorp (MGYR) Stock Holds Firm As Q4 Earnings Build Confidence

Simply Wall St report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Magyar Bancorp, Inc. (NASDAQ:MGYR) Plans Quarterly Dividend of $0.12

MarketBeat report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Magyar Bancorp (NASDAQ:MGYR) Share Price Crosses Above 200 Day Moving Average - Here's What Happened

MarketBeat report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 1d ago

Magyar Bancorp (MGYR) Holds Steady at $19.08 as Shares Trade Flat Between Key Levels - Common Gap

https://www.siam.in/ report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Magyar Bancorp Q4 2026 Earnings Results and Report

MarketBeat report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 5d ago

Magyar Bancorp Q4 EPS $0.52 Up From $0.40 YoY, Sales $10.641M Up From $9.251M YoY

Magyar Bancorp (NASDAQ:MGYR) reported quarterly earnings of $0.52 per share. This is a 30 percent increase over earnings of $0.40 per share from the same period last year. The company reported $10.641 million in sales

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MGYR Bull vs. Bear Conversation Board — What's Your Call at $22.56?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MGYR 🐻 33% BEARISH CONVICTION

MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $27.88 (+25.0%)

📌 Pinned Debate

Insider conviction scores 16 of 20 and the fundamental cash engine shows an FCF yield of 7.51% with ROIC of 8%, while net income rose f

Don't sleep on MGYR's setup in Financials. Insider conviction scores 16 of 20 and the fundamental cash engine shows an FCF yield of 7.51% with ROIC of 8%, while net income rose from $7.7M to $9.8M across FY 2023 to FY 2025.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (73/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

@SkepticalCFA Shorting a 15/20 institutional whale-flow stock at $22.30 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $17.84 (-20.0%)

Spot @ $22.30

Whale/13F flow scores only 10 of 20, the holders section is empty, and reported revenue and operating income are $0.0M in every period,

Fading this rally in MGYR at $22.30. Whale/13F flow scores only 10 of 20, the holders section is empty, and reported revenue and operating income are $0.0M in every period, leaving margins and institutional conviction unverified.. With a beta of 1.0 and the stock sitting at $22.30 (52-wk range $16.03–$22.50), the easy multiple expansion is already priced in.