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MGYR

Magyar Bancorp, Inc.

Financial Services · $125M market cap

Verdict

Share price

$19.32

close of Oct 3, 2026

Fair value

$8.78

Sticker Price

Payback Price

$3.51

buy price

Overpriced

MGYR is Overpriced: at $19.32 it trades 120% above its fair value of $8.78. Its buy price (Payback Price) is $3.51, 82% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth27.0% a year✓
Equity per share growth4.7% a year✗
Sales growth3.1% a year✗
Free cash flow growth-1.3% a year✗
Return on invested capital5.2%✗

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Insider activity

Since Jul 30, 2026: no open-market purchases and 4 other filings (stock awards, tax withholding and similar). Why purchases matter

Other filings

Hodulik Andrew G

director · 2026-08-28

Award

$4K

Yelencsics Joseph A

director · 2026-08-27

Award

$8K

Fitzgerald John S

President and CEO · 2026-08-13

Award

$35K

Ansari Jon

EVP and CFO · 2026-07-30

Award

$19K

About Magyar Bancorp, Inc.

Magyar Bancorp, Inc. functions as the parent entity for Magyar Bank, a financial institution that delivers a wide array of personal and business banking services. Serving individuals, companies, and non-profit organizations throughout New Jersey, USA, the bank provides diverse deposit accounts, including checking, savings, NOW, money market, and retirement plans, in addition to certificates of deposit. Its…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works