MAGYAR BANCORP INC (MGYR)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$19.80+1.43%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -48.5% |
| Our one-year growth estimate | diamond |
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 2026-09-04.
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.
| 16.6% |
Growth built into the price is above our model estimate.
The price assumes 65.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 220 industry peers
MGYR — dividend update
Dated 2026-07-23
Other Events On July 23, 2026, the Company announced that its Board of Directors has approved a quarterly cash dividend of $0.10 per common share to shareholders of record at the close of business on August 6, 2026, payable on August 20, 2026. The text of the press release, dated July 23, 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 reference.
Why it matters: Net income growth is important. It helps overall profits and increases shareholder value.
Supportive ifNet income rises to over $3.5 million in the next quarter.
Worry ifNet income falls below $3 million.
Why it matters: Keeping the dividend shows a promise to give value to shareholders. It also shows financial stability.
Supportive ifThe dividend is paid as scheduled on August 20, 2026.
Worry ifThe dividend payment is canceled or delayed. This raises worries about financial health.
Why it matters: Growth in operating income is important. It helps long-term profits and builds investor trust.
Supportive ifNext quarter, operating income will go up to more than $4.5 million.
Worry ifOperating income drops or stays below $4 million.
Why it matters: A drop in sector revenue growth could signal a slowdown. This may impact Magyar Bancorp's performance.
Worry ifSector revenue growth falls below its median rate of 15% year over year.
Less concerning ifSector revenue growth remains above its median rate of 15% year over year.
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 | ±$79 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $177 loss on $10,000 · 1.8% | 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: A stable or rising net interest margin shows good management of interest income and costs. This helps keep profits steady.
Supportive ifNet interest margin remains above 3.60% for Q3.
Worry ifNet interest margin drops below 3.50% for Q3.
Why it matters: A strong increase in net income would show continued financial strength and growth. This supports management's focus on increasing net income.
Supportive ifQ3 net income growth exceeds 25% compared to Q3 last year.
Worry ifQ3 net income growth is below 20% compared to Q3 last year.
Why it matters: Net interest margin affects how much money the company makes. A rise means better loan prices or lower costs, which is good.
Supportive ifNet interest margin for Q3 2026 increases by more than 30 basis points compared to Q2 2026.
Worry ifNet interest margin for Q3 2026 decreases or remains flat compared to Q2 2026.
Why it matters: More money set aside for credit losses may mean higher credit risk. This can hurt net income and investor trust.
Worry ifProvisions for credit losses exceed $400,000 in Q3.
Less concerning ifProvisions for credit losses remain below $300,000 in Q3.
Why it matters: Keeping the dividend shows the company is stable. It also shows they care about shareholders. This fits with management's spending plans.
Watch forThe Board declares the quarterly cash dividend at $0.10 per share again.
Also watch forThe Board reduces the quarterly cash dividend below $0.10 per share.