MAGYAR BANCORP INC (MGYR)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$23.00+0.61%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · MGYR
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -23.2% |
| Our one-year growth estimate | diamond | 16.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 39.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 231 industry peers · Company calendar date is not available
MGYR — dividend update
Dated 2026-10-28
Other Events On October 28, 2026, the Company announced that its Board of Directors has approved a quarterly cash dividend of $0.12 per common share to shareholders of record at the close of business on November 10, 2026, payable on November 24, 2026. The text of the press release, dated October 28, 2026, announcing the dividend, and which also includes the Company’s quarterly earnings announcement, as stated above, is included as Exhibit 99.1 to this report and is incorporated herein by refe…
Why it matters: The board raised the dividend twice this fiscal year. Keeping the new rate would show that the payout continues after the increase.
Supportive ifThe next board declaration sets a quarterly cash dividend of at least $0.12 per share.
Worry ifThe next board declaration sets a quarterly cash dividend below $0.12 per share, or declares none.
Why it matters: Full-year costs rose, and the new branch added marketing and opening costs. Faster cost growth could cut into earnings gains.
Worry ifIn the next full-year results, non-interest expenses rise more than net income year over year.
Less concerning ifIn the next full-year results, non-interest expenses rise less than net income, or fall year over year.
Why it matters: More commercial real estate loans drove much of this year’s credit provision. Higher costs could weigh on earnings.
Worry ifA quarterly credit loss provision is over $316,000. Or MGYR reports new loan charge-offs over $300,000.
Less concerning ifThe quarterly provision is below $316,000 and MGYR reports no loan charge-offs.
Why it matters: Margin growth drove higher interest income and earnings. A drop would weaken that earnings source.
Watch forThe next quarterly net interest margin is at or above 3.84%.
Also watch forThe next quarterly net interest margin falls below 3.65%, the June 2026 level.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$83 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $193 loss on $10,000 · 1.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,288 loss on $10,000 · 12.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Loan growth has helped lift income, but the bank also needs deposits to fund loans. Slower deposit growth may limit that growth.
Watch forLoans rise year over year while total deposits also rise year over year in the next results.
Also watch forLoans rise while total deposits fall year over year in the next results.