ScoreWhy is Magyar Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 8.18%
2
Healthy long term growth as Net profit has grown by an annual rate of 29.48%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 8.86 MM
- OPERATING CASH FLOW(Y) Highest at USD 10 MM
- ROCE(HY) Highest at 1.05%
4
With ROA of 0.67%, it has a very attractive valuation with a 0.95 Price to Book Value
- Over the past year, while the stock has generated a return of 11.81%, its profits have risen by 31.5% ; the PEG ratio of the company is 0.3
5
High Institutional Holdings at 31.52%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Magyar Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Magyar Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Magyar Bancorp, Inc.
11.81%
2.18
21.40%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.72%
EBIT Growth (5y)
25.90%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
15.98%
Pledged Shares
0
Institutional Holding
31.52%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.95
EV to EBIT
8.88
EV to EBITDA
8.35
EV to Capital Employed
0.96
EV to Sales
2.25
PEG Ratio
0.33
Dividend Yield
0.45%
ROCE (Latest)
10.78%
ROE (Latest)
8.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
NII(Q)
Highest at USD 8.86 MM
OPERATING CASH FLOW(Y)
Highest at USD 10 MM
ROCE(HY)
Highest at 1.05%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 14.56 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 16.01%
OPERATING PROFIT(Q)
Highest at USD 4.28 MM
OPERATING PROFIT MARGIN(Q)
Highest at 29.38 %
PRE-TAX PROFIT(Q)
Highest at USD 4.28 MM
NET PROFIT(Q)
Highest at USD 3.14 MM
EPS(Q)
Highest at USD 0.5
-2What is not working for the Company
ROCE(HY)
Lowest at 1.05%
Here's what is working for Magyar Bancorp, Inc.
NII
Highest at USD 8.86 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 14.56 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 10 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 4.28 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 29.38 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 4.28 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 3.14 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 3.14 MM has Grown at 50.41%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.5
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend Payout Ratio
Highest at 16.01%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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