Magyar Bancorp, Inc. (MGYR) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Lake Shore Bancorp, Inc.

First Capital, Inc.

Magyar Bancorp, Inc.

Cullman Bancorp, Inc.

CF Bankshares, Inc.

Provident Financial Holdings, Inc.

Bogota Financial Corp.

TC Bancshares, Inc.

Finward Bancorp

HMN Financial, Inc.

Territorial Bancorp, Inc.

Why is Magyar Bancorp, Inc. ?

High Profitability with a Net Interest Margin of 10.62%

Healthy long term growth as Net profit has grown by an annual rate of 34.89%

Positive results in Jun 25

NII(Q) Highest at USD 8.18 MM
ROCE(HY) Highest at 1.01%
NET SALES(Q) Highest at USD 13.99 MM

With ROA of 0.54%, it has a very attractive valuation with a 0.91 Price to Book Value

Over the past year, while the stock has generated a return of 28.30%, its profits have risen by 17.7% ; the PEG ratio of the company is 0.6

High Institutional Holdings at 31.83%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating Performance

The stock has generated a return of 28.30% in the last 1 year, much higher than market (S&P 500) returns of 12.33%

Real-Time Research Report

Verdict Report

How much should you hold?

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.

16.9%

2.57

21.31%

S&P 500

12.66%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.61%

EBIT Growth (5y)

35.15%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

15.48%

Pledged Shares

Institutional Holding

31.83%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.91

EV to EBIT

5.10

EV to EBITDA

4.74

EV to Capital Employed

0.86

EV to Sales

1.20

PEG Ratio

0.56

Dividend Yield

127.96%

ROCE (Latest)

16.82%

ROE (Latest)

7.87%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Sideways

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company

NII(Q)

Highest at USD 8.18 MM

ROCE(HY)

Highest at 1.01%

NET SALES(Q)

Highest at USD 13.99 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 102.93%

PRE-TAX PROFIT(Q)

At USD 3.47 MM has Grown at 58.49%

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 7.29 MM

ROCE(HY)

Lowest at 1.01%

Here's what is working for Magyar Bancorp, Inc.

NII

Highest at USD 8.18 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 13.99 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Pre-Tax Profit

At USD 3.47 MM has Grown at 58.49%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 102.93%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Magyar Bancorp, Inc.

Operating Cash Flow

Lowest at USD 7.29 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)