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.
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 $22.30 (+10.18% 1D, market cap $144.0M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, MGYR ranks #62 in composite RQD confidence.
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).
Per MGYR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0001337068), Magyar Bancorp Inc. generated $0 in revenue, $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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
20D Institutional Volume Accumulation (±5.9% realized swing band)
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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 ($23.81) toward Bear Floor ($18.29).
Magyar Bancorp Inc. (MGYR) surged +10.18% to $22.30, trading at 97% of its 52-week range ($16.03 – $22.5). High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.
Yahoo Finance report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
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
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on MGYR today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for MGYR. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Magyar Bancorp Inc. (MGYR) ranks #62 by composite RQD confidence (73/100, grade B) and #929 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% | +10.18% | $144.0M | Benchmark Subject |
| LSBK Lake Shore Bancorp Inc. | C+ | 67/100 | 20.6x | — | 5.1% | -1.84% | $146.8M | /lsbk-vs-mgyr → |
| FGBI First Guaranty Bancshares Inc. | D- | 39/100 | — | — | -16.1% | -1.84% | $158.6M | /fgbi-vs-mgyr → |
| RVSB Riverview Bancorp Inc | D+ | 58/100 | — | — | -2.6% | +1.52% | $121.2M | /rvsb-vs-mgyr → |
| SFBC Sound Financial Bancorp Inc. | C | 65/100 | 16.1x | — | 6.5% | 0.00% | $115.6M | /sfbc-vs-mgyr → |
In its most recent audited fiscal period (FY2025, filed 2025-09-30), Magyar Bancorp Inc. (MGYR) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , 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 | $0 | $9.8M | $10.4M | $9.8M | $1.05B | — |
| FY2024 (FY) | 2024-09-30 | $0 | $7.8M | $6.3M | $5.5M | $1.01B | — |
| FY2023 (FY) | 2023-09-30 | $0 | $7.7M | $8.5M | $8.5M | — | — |
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 $22.30 (+10.18% 1D, market cap $144.0M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, MGYR ranks #62 in composite RQD confidence.
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).
Per MGYR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0001337068), Magyar Bancorp Inc. generated $0 in revenue, $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.
MGYR last traded at $22.30 (+10.18% on volume of 26,030 shares), positioning the stock +13.89% above its 50-day simple moving average ($19.58) and +22.26% above its 200-day simple moving average ($18.24). Across its 52-week range of $16.03 to $22.50, MGYR sits at the 96.9% percentile with a 14-day RSI of 65.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.9% ($20.98 to $23.62).
Why MGYR Stock surged +10.18% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.
Per the Roarable RQD rating, MGYR scores 68 out of 100 (letter grade C+; verdict "Roarable Hold — Upper Neutral / Watch for Breakout"). The five pillars are:
For a prospective investor, the rating points to a stock with reasonable cash generation and insider-related strength, offset by weak institutional-flow evidence and only mid-range balance-sheet forensics. The "Watch for Breakout" label indicates the rating sees the stock as neutral with upside contingent on improvement in the weaker pillars. Valuation tradeoffs are visible in the market data: trailing P/E of 13.4 and forward P/E of 12.5 per the market data section, with the FCF yield of 7.51% suggesting the market is pricing the cash stream at a moderate level. Upside drivers would primarily be sustained institutional accumulation and continued cash generation; the source data does not establish either as occurring. This is an analytical summary, not personalized financial advice.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $9.8M | N/A | $9.8M | $34.1M | N/A |
| FY 2024 | $0.0M | $0.0M | $7.8M | N/A | $5.5M | $58.5M | N/A |
| FY 2023 | $0.0M | $0.0M | $7.7M | N/A | $8.5M | N/A | N/A |
Per the SEC financials, reported net income moved from $7.7M (FY 2023) to $7.8M (FY 2024) to $9.8M (FY 2025), and FCF was $8.5M, $5.5M, and $9.8M across the same periods. Revenue and operating income are reported as $0.0M in every period, so margin analysis is not available in source data. Per the market data, gross, operating, and net margins are each listed as 0%, which should be treated as a data limitation rather than an operating reading. Per the Roarable RQD rating, ROIC is 8%, Altman Z is 2.5, Piotroski F is 5/9, and Debt/Equity is 0.5, indicating mid-range balance-sheet forensics. Reported cash declined from $58.5M (FY 2024) to $34.1M (FY 2025).
Per the recent news section, six items reference MGYR, each with a YELLOW light and MARKET WIRE impact label:
Per the market data, the stock closed at $20.24, up 0.45%, on volume of 1,746. Risk watch items are not specified in the news source data beyond the general YELLOW classification. Per the Butterfly Supply-Chain Graph, there are no proprietary signals.
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
Yahoo Finance report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Magyar Bancorp Inc. (MGYR) market action, institutional positioning, and fundamental catalysts.
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
Welcome to the MGYR (Magyar Bancorp Inc.) Roar Pit. Current RQD Composite is 68/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on MGYR, but look at what you are paying: 13.4x trailing P/E with tightening sector spreads. Unless Magyar Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on MGYR, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $20.24 (52-wk range $16.03 - $22.50), any beat on forward guidance forces shorts and underweight funds to chase.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).