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Upturn AI Summary - About
Magyar Bancorp Inc(MGYR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MGYR
11/06/2026: MGYR (3-star) is a STRONG-BUY. BUY for 10 days. Simulated Profits (8.36%). Updated daily EoD!
Magyar Bancorp Inc is a well-established regional community bank operating primarily in central New Jersey, providing a suite of traditional retail and commercial banking services. The company is known for its stable, long-standing community reputation and conservative lending practices, which have supported consistent growth since its public offering. The main investment story centers on its ability to leverage its local brand to grow commercial and residential loan portfolios while maintaining strong capital levels. Key risks include its geographic concentration, sensitivity to interest rate cycles, and intense competition from larger banks. It is well-suited for value-oriented and income-focused investors looking for steady, lower-risk financial sector exposure.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | As a community bank, growth is generally steady rather than explosive. |
| Momentum investor | Weak fit | The stock typically exhibits low beta and steady price action rather than rapid momentum. |
| Value investor | Strong fit | Trading at a modest P/E ratio, it offers value-oriented exposure to the banking sector. |
| Dividend investor | Strong fit | Consistent dividend payouts and a sustainable payout ratio appeal to income-focused investors. |
| Low-risk investor | Strong fit | Its stable business model and conservative lending practices make it suitable for risk-averse portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock historically experiences lower volatility compared to the broader market. |
| Valuation risk | Low | Reasonable valuation multiples provide a potential buffer against sharp market corrections. |
| Competition risk (regional banking) | Medium | Intense competition from larger banks and fintechs could squeeze margins. |
| Business quality | Medium | Strong capital and community standing form a solid, though localized, business foundation. |
| Dividend income | Low | Stable payout history suggests reliable income, though dividend growth is moderate. |
| Execution risk | Low | Management has demonstrated long-term stability and success in executing its core community bank strategy. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 88.7% | Avg. Invested days 78 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 141.37M USD | Price to earnings Ratio 11.01 | 1Y Target Price 13 |
Price to earnings Ratio 11.01 | 1Y Target Price 13 | ||
Volume (30-day avg) 5.8K shares | Beta 0.28 | 52 Weeks Range 15.85 - 23.99 | Updated Date 11/08/2026 |
52 Weeks Range 15.85 - 23.99 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 1.82% | Basic EPS (TTM) 1.99 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and residential real estate loans, business loans, and securities. | The bank earns money primarily by collecting interest on loans that exceeds the interest paid to depositors. |
| Fee and Service Charges | Service fees from deposit accounts, cash management services, and other banking activities. | Small, reliable streams of revenue are generated through standard customer service and banking transactions. |
Earnings Date
Report Date 2026-10-28 | When - | Estimate - | Actual 0.52 |
Profitability
Profit Margin 31.68% | Operating Margin (TTM) 42.62% |
Management Effectiveness
Return on Assets (TTM) 1.21% | Return on Equity (TTM) 10.15% |
Valuation
Trailing PE 11.01 | Forward PE - | Enterprise Value 170.10M | Price to Sales(TTM) 3.57 |
Enterprise Value 170.10M | Price to Sales(TTM) 3.57 | ||
Enterprise Value to Revenue 3.47 | Enterprise Value to EBITDA - | Shares Outstanding 6.46M | Shares Floating 5.59M |
Shares Outstanding 6.46M | Shares Floating 5.59M | ||
Percent Insiders 16.39 | Percent Institutions 31.79 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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