5 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Free cash flow has grown 2.7% per year over the past 4 years.
Financial health
Total debt ($49M) exceeds cash ($7M); net debt is $42M.
Shareholder returns
Dividends have been paid for 2 consecutive years, consuming 18.7% of earnings and 18.6% of free cash flow.
The dividend has grown 8.6% per year over the past 4 years.
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
—
$10M
—
—
8.2%
1.0%
$10M
$49M
$7M
2024
—
$8M
—
—
7.0%
0.8%
$6M
$29M
$26M
2023
—
$8M
—
—
7.4%
0.8%
—
$30M
$73M
2022
—
$8M
—
—
8.0%
1.0%
$8M
—
$31M
2021
—
$6M
—
—
6.3%
0.8%
$9M
—
$75M
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$3M
—
—
2.4%
0.3%
$5M
$49M
$11M
Mar '26
—
$3M
—
—
2.4%
0.3%
$3M
$49M
$48M
Dec '25
—
$3M
—
—
2.6%
0.3%
$4M
$49M
$34M
Sep '25
—
$3M
—
—
2.1%
0.3%
$3M
$49M
$7M
Jun '25
—
$2M
—
—
2.1%
0.3%
$2M
$36M
$7M
Mar '25
—
$3M
—
—
2.3%
0.3%
$2M
$34M
$73M
Dec '24
—
$2M
—
—
1.9%
0.2%
$3M
$30M
$59M
Sep '24
—
$3M
—
—
2.3%
0.3%
$437000
$29M
$26M
Jun '24
—
$2M
—
—
1.6%
0.2%
$2M
—
$49M
Mar '24
—
$2M
—
—
1.8%
0.2%
$428000
—
$50M
Dec '23
—
$2M
—
—
1.6%
0.2%
$3M
—
$51M
Sep '23
—
$2M
—
—
2.1%
0.2%
—
$30M
$73M
Jun '23
—
$2M
—
—
1.9%
0.2%
—
—
$22M
Mar '23
—
$2M
—
—
1.8%
0.2%
—
—
$25M
Dec '22
—
$2M
—
—
1.8%
0.2%
—
—
$8M
Sep '22
—
$2M
—
—
2.5%
0.3%
$5M
—
$31M
Jun '22
—
$2M
—
—
2.1%
0.3%
$4M
—
$26M
Mar '22
—
$2M
—
—
—
0.2%
$411000
—
$55M
Dec '21
—
$2M
—
—
—
0.2%
-$664000
—
$82M
Jun '13
—
$193000
—
—
—
0.0%
$2M
—
$14M
Valuation over time
How the market has priced MGYR against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 8.7× (Mar '23) to 15.1× (Nov '26).
The dividend yield has fallen from 2.1% (Sep '24) to 1.2% (Nov '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is MGYR growing its revenue and profit?
See the revenue and net-income charts above for Magyar Bancorp, Inc.'s multi-year trend.
How much debt does MGYR have?
As of FY2025, Magyar Bancorp, Inc. reported $49M of total debt against $7M of cash.
What is MGYR's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is MGYR's P/E ratio?
Magyar Bancorp, Inc.'s P/E (TTM) is 12.55 as of the 2026-11-04 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the MGYR stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 15.1× as of Nov '26) can differ. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.