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

$20.24 +0.45% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $20.22

Magyar Bancorp Inc. (MGYR) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $130.7M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $20.22 (-0.11%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 0.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

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 C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MGYR)Realized 20D OHLCV Swing Band: ±5.4%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY MGYR SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

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

▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 0.2% FCF Margin ($9.8M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

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

Q1 (-3Q)

Grade C$18.96+4.6% Next Q

Q2 (-2Q)

Grade C$19.84+0.3% Next Q

Q3 (-1Q)

Grade C$19.90+1.7% Next Q

Current

Grade C$20.24+0.9% Hist 90D α

Trajectory: C (55) → C (63)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 63/100 (C) 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 ($19.50) or 200D SMA ($18.21) invalidates the momentum regime and cuts Target Base ($20.70) toward Bear Floor ($16.15).

🎲 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 63%NO 37%Trade / Inspect Odds →

RSI-14 MOMENTUMOVERBOUGHT (>70)

77.730 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 RANGE65% OF RANGE

L: $16$20.24H: $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● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) 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

NEUTRAL (60)

24/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like MGYR

✓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: +16.32%📐 HORIZONTAL RANGE

2026-10-30O $20.83H $22.50L $20.05C $20.24VOL 26.0K

RES: $22.56SUP: $18.29SMA50: $19.50SMA200: $18.21

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

4.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #409 of 1096 ⚔️ RVSB vs MGYR Full Matrix →

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

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Magyar Bancorp Inc. (MGYR) ranks #409 by composite RQD confidence (63/100, grade C) and #937 by equity capitalization ($130.7M). 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. SFBC currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with MGYR at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
MGYR ACTIVE Magyar Bancorp Inc.	C	63/100	13.4x	—	8.0%	+0.45%	$130.7M	Benchmark Subject
RVSB Riverview Bancorp Inc	D	49/100	—	—	-2.6%	-1.82%	$119.4M	/rvsb-vs-mgyr →
SFBC Sound Financial Bancorp Inc.	C+	67/100	16.1x	—	6.5%	0.00%	$115.6M	/sfbc-vs-mgyr →
LSBK Lake Shore Bancorp Inc.	C-	60/100	20.6x	—	5.1%	+0.32%	$149.5M	/lsbk-vs-mgyr →
PROV Provident Financial Holdings Inc.	C-	60/100	18.0x	—	4.9%	0.00%	$112.8M	/prov-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 $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	—	—

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?

As of 2026-11-01, Magyar Bancorp Inc. (NASDAQ: MGYR) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $20.24 (+0.45% 1D, market cap $130.7M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, MGYR ranks #409 in composite RQD confidence.

How does MGYR compare to RVSB and SFBC in the Financials sector?

Within the Financials sector (Savings Institutions), MGYR carries a Roarable C (63/100 RQD), trailing P/E of 13.4x, gross margin of —, and ROIC of 8.0%. By comparison, RVSB (Riverview Bancorp Inc) holds a D grade (49/100 RQD, P/E N/A, ROIC -2.6%, cap $119.4M) and SFBC (Sound Financial Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 16.1x, ROIC 6.5%, cap $115.6M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).

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

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: Company leadership has skin in the game with net positive insider conviction.. 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.

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

MGYR last traded at $20.24 (+0.45% on volume of 1,746 shares), positioning the stock +3.79% above its 50-day simple moving average ($19.50) and +11.15% above its 200-day simple moving average ($18.21). Across its 52-week range of $16.03 to $22.50, MGYR sits at the 65.1% percentile with a 14-day RSI of 77.7 (OVERBOUGHT (>70)) and an implied next-earnings move of ±5.4% ($19.15 to $21.33).

MGYR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

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

Magyar Bancorp Inc. (MGYR) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid steady margins (8% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.

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

MGYR's 12-month base price target is $20.7 (range $16.15 to $24.43), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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