Magyar Bancorp, Inc.

NASDAQ•MGYR

執行長: Mr. John S. Fitzgerald

板塊: Financial Services

行業: 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.

聯絡資訊

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

732-342-7600

www.magbank.com

市值

$115.55M

本益比 (TTM)

10.3

15.5

股息率

1.8%

52周最高

$20.00

52周最低

$13.62

52周範圍

66%

排名37Top 34.1%

4.4

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

一般 • 4.4 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q1 2026 數據

營業收入

$15.35M+10.76%

近4季度走勢

每股收益

$0.50+51.52%

近4季度走勢

自由現金流

$3.68M+0.00%

近4季度走勢

2026 Q1 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
RBKB	$171.56M	16.6	7.7%	2.3%
FGBI	$150.83M	-2.6	-23.3%	4.6%
PNBK	$146.06M	-8.2	-16.2%	1.5%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

1.3%

溫和增長

4季度淨利複合增長率

5.4%

盈利能力逐步提升

現金流穩定性

100%

現金流表現優異

深度研究

下次財報:2026年4月28日

每股收益:-

營業收入:-

財務數據

電話會議

財務報告

新聞

損益表

資產負債表

現金流量表

財務比率

變化率

損益表	過去12個月

無資料