Reading MGYR? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track MGYR free→Reading MGYR? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track MGYR free→NASDAQFinancialsBanks - RegionalSnapshot 2026-06-15
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is strong, and management's recent track record has been steady. Earnings quality is neutral, and risk is elevated, while the sector backdrop is a headwind. Peer multiples imply a price about 30% above where it trades (it looks cheap on this basis); the read is cheap, quality intact. The outlook hinges on sector trends, particularly if bellwethers like HDB, IBN, and PNC continue to perform well. This read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 4 valuation methods, at three horizons. Current price $17.05. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $17 MGYR trades at 10× p/e, below its 12× p/e peer median. Our $22 fair value sits above the price; high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The price implies about 23% below a flat-multiple fair value, below our forecast of about 18%. This describes what's priced in, not a forecast of the move.
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 54% for the rest of the cohort, n=3733).
Over the trailing year it converted 1.08x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity.
3 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 56% for the rest of the cohort, n=3736).
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$88.
How much price usually moves either way.
On a bad day, this stock has moved -$181.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,288.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
Management rose by 11.2 points (from 45.4 to 56.6).
Confidence changed from 'medium' to 'high'.
Management rose. The valuation label changed to indicate that the stock is now considered inexpensive.
as of 2026-06-15
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
No named catalysts to watch right now. Check back after the next earnings report.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for MGYR yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Results of Operations and Financial Condition On April 23, 2026, Magyar Bancorp, Inc. (the “Company”) issued a press release regarding its results of operations and financial condition at and for the three and six months ended March 31, 2026. The text of the press release is included as Exhibit 99.1 to this report. The information included in the press release text is considered to be “furnished” under the Securities Exchange Act of 1934. The Company will include financial statements and addi…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks cheaper than most peers in the same business.
Self-history needs ~20 months of data.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
A side-by-side read on sector standing, valuation, and risk versus peers.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
MGYR MAGYAR BANCORP INC | Above typical Show detailsSector percentile: 80 of 100 | fair | elevated |
Not investment advice. As of 2026-06-15.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-15.
The company continues to maintain a quarterly cash dividend of $0.10 per common share.
Stated in 2 of last 2 quarters. The company has consistently maintained a quarterly cash dividend of $0.10 per share, as announced in both 2026-Q1 and 2026-Q2 press releases. This reflects a stable capital allocation strategy.
“The Board approved a quarterly cash dividend of $0.10 per common share.”
“The Board approved a quarterly cash dividend of $0.10 per common share.”
The company aims to increase its operating income over time.
Stated in 4 of last 4 quarters. Operating income increased from $3,474,000 in 2025-Q3 to $4,268,000 in 2026-Q2, showing a positive trajectory in line with management's growth priority.
“Operating income increased to $4,268,000.”
“Operating income was $4,277,000.”
The company is focused on increasing its net income over time.
Stated in 4 of last 4 quarters. Net income rose from $2,470,000 in 2025-Q3 to $3,030,000 in 2026-Q2, indicating a positive trend in line with management's focus on increasing profitability.
“Net income rose to $3,030,000.”
“Net income was $3,136,000.”
Other Events On April 23, 2026, the Company announced that its Board of Directors has approved a quarterly cash dividend of $0.10 per common share to shareholders of record at the close of business on May 7, 2026, payable on May 21, 2026. The text of the press release, dated April 23, 2026, announcing the dividend, and which also includes the Company’s quarterly earnings announcement, as stated above, is included as Exhibit 99.1 to this report and is incorporated herein by reference.
Results of Operations and Financial Condition On January 29, 2026, Magyar Bancorp, Inc. (the “Company”) issued a press release regarding its results of operations and financial condition at and for the three months ended December 31, 2025. The text of the press release is included as Exhibit 99.1 to this report. The information included in the press release text is considered to be “furnished” under the Securities Exchange Act of 1934. The Company will include financial statements and additio…
Other Events On January 29, 2026, the Company announced that its Board of Directors has approved a quarterly cash dividend of $0.10 per common share to shareholders of record at the close of business on February 12, 2026, payable on February 26, 2026. The text of the press release, dated January 29, 2026, announcing the dividend, and which also includes the Company’s quarterly earnings announcement, as stated above, is included as Exhibit 99.1 to this report and is incorporated herein by refe…
Results of Operations and Financial Condition On October 30, 2025, Magyar Bancorp, Inc. (the “Company”) issued a press release regarding its results of operations and financial condition at and for the three and twelve months ended September 30, 2025. The text of the press release is included as Exhibit 99.1 to this report. The information included in the press release text is considered to be “furnished” under the Securities Exchange Act of 1934. The Company will include financial statements…
“Operating income was $3,669,000.”
“Operating income was $3,474,000.”
“Net income was $2,524,000.”
“Net income was $2,470,000.”