Magyar Bancorp, Inc.

NASDAQ•MGYR

CEO: Mr. John S. Fitzgerald

板块: Financial Services

行业: Banks - Regional

上市日期: 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.

联系方式

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

732-342-7600

www.magbank.com

市值

$115.04M

市盈率 (TTM)

10.2

15.4

股息率

1.8%

52周最高

$20.00

52周最低

$13.62

52周范围

65%

排名37Top 34.1%

4.4

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

一般 • 4.4 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q1 2026 数据

营业收入

$15.35M+10.76%

近4季度走势

每股收益

$0.50+51.52%

近4季度走势

自由现金流

$3.68M+0.00%

近4季度走势

2026 Q1 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

FGBI

$220.51M

-9.9%

SBFG

$91.03M

+11.9%

UNB

$87.04M

+12.2%

毛利率 (最新季度)

RVSB

71.6%

+2.7pp

SBFG

70.6%

+3.1pp

PROV

67.3%

+6.6pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
RBKB	$174.46M	16.9	7.7%	2.3%
FGBI	$150.04M	-2.6	-23.3%	4.6%
PNBK	$147.16M	-8.2	-16.2%	1.5%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

1.3%

温和增长

4季度净利润复合增长率

5.4%

盈利能力稳步提升

现金流稳定性

100%

现金流表现优异

深度研究

下次财报:2026年4月28日

每股收益:-

营业收入:-

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据