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Upturn AI SWOT - About
MGYR 
Magyar Bancorp Inc (MGYR)
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Upturn Advisory Summary
09/12/2025: MGYR (3-star) is a REGULAR-BUY. BUY since 85 days. Simulated Profits (16.79%). 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 65.96% | Avg. Invested days 92 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
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. is the holding company for Magyar Savings Bank. The bank was founded to serve the needs of the Hungarian-American community in New Jersey. Exact founding year and detailed milestones unavailable without specific research tools.
Core Business Areas
- Retail Banking: Offers deposit accounts, loans, and other banking services to individuals and small businesses.
- Commercial Lending: Provides loans to businesses for various purposes, including real estate and working capital.
Leadership and Structure
Information on specific leadership and structure is unavailable without deeper research into the company's annual reports or website. Typically, a bank holding company would have a board of directors and an executive management team.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Residential and commercial mortgage loans are a significant product. Market share data unavailable without specific research tools. Competitors include larger national banks and other regional community banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data unavailable without specific research tools. Competitors include larger national banks and other regional community banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Magyar Bancorp likely operates as a community bank, focusing on personalized service and local market knowledge to compete with larger institutions. Competitive advantages would include its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in New Jersey is substantial, encompassing all individuals and businesses requiring financial services. Magyar Bancorp's positioning likely focuses on a niche within that broader market.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Community focus
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased demand for community banking
- Adoption of new technologies
Threats
- Increased competition from larger banks
- Economic downturn
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Wells Fargo (WFC)
- JPMorgan Chase (JPM)
Competitive Landscape
Magyar Bancorp competes with larger national banks, regional banks, and credit unions. Its advantages likely include personalized service and local market knowledge. Disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are unavailable without specific financial data.
Future Projections: Future projections are unavailable without specific analyst estimates.
Recent Initiatives: Recent strategic initiatives are unavailable without specific company announcements or reports.
Summary
Magyar Bancorp likely operates as a small community bank. Its strengths lie in local relationships, but it faces challenges from larger competitors. The bank must adapt to the changing financial landscape to remain competitive. Limited publicly available data constrains a comprehensive analysis.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information
- AI-driven analysis based on limited data
Disclaimers:
This analysis is based on limited publicly available information and AI-driven assessment. Financial data, market share and other metrics were not available through common research tools. The analysis should not be considered financial advice. Consult with a financial professional for personalized 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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