Stock Ratings / Financials / MGYR / options

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Magyar Bancorp Inc. (MGYR) Options Positioning, Max Pain & Unusual Sweeps

$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

⚡ 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 2026-11-01, 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.

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

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

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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).

✓ 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 $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.

✓ 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: $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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±5.4%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (MGYR)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for MGYR.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating MGYR & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on MGYR
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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?

How does MGYR compare to RVSB and SFBC 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 $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

What is MGYR's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for MGYR.

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