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Upturn AI SWOT - About
MGYR 
Magyar Bancorp Inc (MGYR)
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Upturn Advisory Summary
10/23/2025: MGYR (3-star) is a SELL. SELL since 2 days. Simulated Profits (14.80%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 63.14% | Avg. Invested days 98 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 108.32M USD | Price to earnings Ratio 11.71 | 1Y Target Price 13 |
Price to earnings Ratio 11.71 | 1Y Target Price 13 | ||
Volume (30-day avg) - | Beta 0.17 | 52 Weeks Range 10.74 - 17.00 | Updated Date 06/29/2025 |
52 Weeks Range 10.74 - 17.00 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.43% | Basic EPS (TTM) 1.43 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.42% | Operating Margin (TTM) 42.4% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 8.11% |
Valuation
Trailing PE 11.71 | Forward PE - | Enterprise Value 69304672 | Price to Sales(TTM) 3.18 |
Enterprise Value 69304672 | Price to Sales(TTM) 3.18 | ||
Enterprise Value to Revenue 4.22 | Enterprise Value to EBITDA - | Shares Outstanding 6470950 | Shares Floating 5551685 |
Shares Outstanding 6470950 | Shares Floating 5551685 | ||
Percent Insiders 13.32 | Percent Institutions 31.28 |
Upturn AI SWOT
Magyar Bancorp Inc
Company Overview
History and Background
Magyar Bancorp, Inc. operates as the holding company for Magyar Savings Bank. Founded in 1922, the bank has focused on serving the Hungarian-American community in New Jersey.
Core Business Areas
- Retail Banking: Offers traditional banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Commercial Banking: Provides loans, deposit accounts, and other financial services to small and medium-sized businesses.
Leadership and Structure
The leadership team consists of executive officers who manage the bank's operations. The organizational structure is typical of a community bank, with various departments responsible for different functions.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages are a primary offering. Market share data is not readily available, but it competes with other local and regional banks. Competitors include large national banks and mortgage lenders.
- Commercial Loans: Loans to small and medium-sized businesses. Market share data is not readily available and competitors include other local and regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for retail and commercial clients. Market share data is unavailable and competitors include other community banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive, facing pressures from regulatory changes, interest rate fluctuations, and technological advancements. Community banks face challenges from larger institutions and fintech companies.
Positioning
Magyar Bancorp is a community bank focused on serving its local market. Its competitive advantages include its long-standing relationships with customers and its local market knowledge.
Total Addressable Market (TAM)
The TAM includes the total banking market in its geographic area. Magyar Bancorp's position is as a niche player focusing on its local community and Hungarian-American demographic.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Customer loyalty
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Small asset base
- Dependence on net interest income
- Lack of technological innovation
Opportunities
- Expansion into new markets
- Increased demand for community banking services
- Adoption of new technologies
- Strategic acquisitions
Threats
- Increased competition from larger banks
- Regulatory changes
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
Competitive Landscape
Magyar Bancorp faces significant competition from larger national banks and other community banks. Its advantages lie in its local focus and customer relationships, while its disadvantages include its smaller size and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data not available without real-time data access.
Future Projections: Future projections data not available without real-time data access.
Recent Initiatives: Recent initiatives data not available without real-time data access.
Summary
Magyar Bancorp is a small community bank with strong local ties. Its strengths are its customer relationships and conservative lending practices. However, it faces challenges from larger banks, regulatory changes and the need to adapt to new technologies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is based on publicly available data and general industry knowledge. Actual financial data and market share information may vary. This analysis is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Magyar Bancorp Inc
Exchange NASDAQ | Headquaters New Brunswick, NJ, United States | ||
IPO Launch date 2006-01-24 | President, CEO & Director Mr. John S. Fitzgerald | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 91 | Website https://www.magbank.com |
Full time employees 91 | Website https://www.magbank.com | ||
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.
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