Magyar Bancorp, Inc.

NASDAQ•MGYR

CEO: Mr. John S. Fitzgerald

セクター: Financial Services

業種: Banks - Regional

上場日: 2006-01-24

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States. It accepts various deposit accounts, including demand, savings, NOW, money market, and retirement accounts, as well as certificates of deposit. The company provides one-to four-family residential mortgage loans, multi-family and commercial real estate mortgage loans, home equity loans and lines of credit, commercial business loans, and construction loans, as well as small business administration loans. In addition, it offers non-deposit investment products and financial planning services, including insurance products, fixed and variable annuities, and retirement planning for individual and commercial customers; and buys, sells, and holds investment securities. The company was founded in 1922 and is headquartered in New Brunswick, New Jersey.

連絡先情報

400 Somerset Street, New Brunswick, NJ, 08901, United States

732-342-7600

www.magbank.com

時価総額

$112.00M

PER (TTM)

10.0

14.5

配当利回り

1.9%

52週高値

$20.00

52週安値

$13.52

52週レンジ

58%

順位37Top 34.1%

4.4

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.4 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q1 2026 データ

売上高

$15.35M+10.76%

直近4四半期の推移

EPS

$0.50+51.52%

直近4四半期の推移

フリーCF

$3.68M+0.00%

直近4四半期の推移

2026 Q1 決算ハイライト

主なハイライト

Net Income Surges 50% Net income increased 50.4% year-over-year to $3.14M, driven by higher net interest income and lower credit loss provisions.

Net Interest Margin Expansion Net Interest Margin improved 37 basis points to 3.59% for the quarter, reflecting higher yields on earning assets.

Asset Quality Improvement Noted Non-performing loans decreased 20.0% sequentially to $361K; total loans grew 2.2% to $877.8M.

Deposit Base Strengthened Total deposits increased $44.8M from September 30, 2025, reaching $859.1M, supporting loan growth initiatives.

リスク要因

Derivative Fair Value Volatility Interest rate swaps are not designated as hedges; fair value changes are recognized directly in earnings, increasing volatility.

CRE Concentration Risk Non-owner occupied CRE loans represent 56.3% of the total CRE portfolio, monitored closely for economic stress.

Allowance for Credit Losses ACL increased $73K to $8.423M due to loan growth and specific reserves for individually evaluated loans.

Funding Strategy Reliance Borrowings increased to fund long-term commercial term loans, reflecting usage of long-term advances.

見通し

Capital Adequacy Maintained Tier 1 capital ratio stood at 11.42% of total assets, indicating strong capital position for operations.

CRE Portfolio Monitoring Management continues stress testing the commercial real estate portfolio under adverse economic conditions.

Securities Recovery Anticipated Company does not intend to sell securities with unrealized losses, anticipating full recovery of amortized costs.

New Tax Disclosure Adoption The Company will adopt ASU 2023-09 regarding income tax disclosures for annual reporting starting fiscal year 2026.

同業比較

売上高 (TTM)

FGBI

$220.51M

-9.9%

SBFG

$91.03M

+11.9%

UNB

$87.04M

+12.2%

粗利益率 (最新四半期)

SBFG

71.7%

+3.1pp

RVSB

71.6%

+2.7pp

PROV

67.3%

+6.6pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
RBKB	$178.44M	17.3	7.7%	2.3%
PNBK	$138.96M	-5.0	-35.9%	1.7%
FGBI	$131.40M	-2.3	-23.3%	4.6%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

1.3%

緩やかな成長

4四半期純利益CAGR

5.4%

収益性の着実な向上

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月28日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし