Magyar Bancorp Inc. (MGYR) carries a Roarable Rating of C+ (Hold) with 68/100 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.
As of 2026-11-02, Magyar Bancorp Inc. (NASDAQ: MGYR) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 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 10/20, 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 #199 in composite RQD confidence.
Within the Financials sector (Savings Institutions), MGYR carries a Roarable C+ (68/100 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 (56/100 RQD, P/E N/A, ROIC -2.6%, cap $119.4M) and SFBC (Sound Financial Bancorp Inc.) posts a C grade (65/100 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).
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.
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)
FRED Regime × Technicals: 65% of 52W Range • RSI-14 at 53.5 (NEUTRAL RANGE)
Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)
Even with a 68/100 (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.
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 ($19.52) or 200D SMA ($18.22) invalidates the momentum regime and cuts Target Base ($21.15) toward Bear Floor ($16.50).
Magyar Bancorp Inc. (MGYR) advanced +0.45% to $20.24, trading at 65% of its 52-week range ($16.03 – $22.5). Solid steady margins (8% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.
Magyar Bancorp (NASDAQ: MGYR) (the "Company"), parent company of Magyar Bank, reported today the results of its operations for the three months and fiscal year ended September 30, 2026.
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 #199 by composite RQD confidence (68/100, 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. MGYR currently leads its immediate peer cohort in composite quantitative strength at 68/100 (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+ | 68/100 | 13.4x | — | 8.0% | +0.45% | $130.7M | Benchmark Subject |
| RVSB Riverview Bancorp Inc | D+ | 56/100 | — | — | -2.6% | -1.82% | $119.4M | /rvsb-vs-mgyr → |
| SFBC Sound Financial Bancorp Inc. | C | 65/100 | 16.1x | — | 6.5% | 0.00% | $115.6M | /sfbc-vs-mgyr → |
| LSBK Lake Shore Bancorp Inc. | C+ | 68/100 | 20.6x | — | 5.1% | +0.32% | $149.5M | /lsbk-vs-mgyr → |
| PROV Provident Financial Holdings Inc. | C | 64/100 | 18.0x | — | 4.9% | 0.00% | $112.8M | /prov-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 2026-11-02, Magyar Bancorp Inc. (NASDAQ: MGYR) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 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 10/20, 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 #199 in composite RQD confidence.
Within the Financials sector (Savings Institutions), MGYR carries a Roarable C+ (68/100 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 (56/100 RQD, P/E N/A, ROIC -2.6%, cap $119.4M) and SFBC (Sound Financial Bancorp Inc.) posts a C grade (65/100 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).
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.
MGYR last traded at $20.24 (+0.45% on volume of 1,746 shares), positioning the stock +3.69% above its 50-day simple moving average ($19.52) and +11.09% above its 200-day simple moving average ($18.22). Across its 52-week range of $16.03 to $22.50, MGYR sits at the 65.1% percentile with a 14-day RSI of 53.5 (NEUTRAL RANGE) and an implied next-earnings move of ±5.2% ($19.19 to $21.29).
Why MGYR Stock advanced +0.45% Today — RQD Quant Desk Flash. Solid steady margins (8% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.
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