Magyar Bancorp (MGYR) Margin Strength At 27.7% Supports Bullish Earnings Narrative

Simply Wall St.

Jan 31

Magyar Bancorp (MGYR) has just wrapped up Q1 2026 with Q4 2025 numbers that show total revenue of US$9.0 million and basic EPS of US$0.41, backed by net income of US$2.5 million. Over the past year, ...

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Over the past year, ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-mgyr/magyar-bancorp/news/magyar-bancorp-mgyr-margin-strength-at-277-supports-bullish\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Magyar Bancorp (MGYR) Margin Strength At 27.7% Supports Bullish Earnings Narrative</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nMagyar Bancorp (MGYR) Margin Strength At 27.7% Supports Bullish Earnings Narrative\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-31 12:43 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nasdaq-mgyr/magyar-bancorp/news/magyar-bancorp-mgyr-margin-strength-at-277-supports-bullish><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Magyar Bancorp (MGYR) has just wrapped up Q1 2026 with Q4 2025 numbers that show total revenue of US$9.0 million and basic EPS of US$0.41, backed by net income of US$2.5 million. Over the past year, ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-mgyr/magyar-bancorp/news/magyar-bancorp-mgyr-margin-strength-at-277-supports-bullish\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4211","symbol_name":"区域性银行","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nasdaq-mgyr/magyar-bancorp/news/magyar-bancorp-mgyr-margin-strength-at-277-supports-bullish","article_id":"2607079155","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7021000-choice1-main-header/1585186662944"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nasdaq-mgyr/magyar-bancorp/news/magyar-bancorp-mgyr-margin-strength-at-277-supports-bullish","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2607079155","pubTimestamp":1769834595,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Magyar Bancorp (MGYR) has just wrapped up Q1 2026 with Q4 2025 numbers that show total revenue of US$9.0 million and basic EPS of US$0.41, backed by net income of US$2.5 million. Over the past year, the bank has seen revenue range between US$7.2 million and US$9.3 million per quarter while EPS moved between roughly US$0.27 and US$0.43, with trailing 12 month EPS reported at about US$1.57. With a trailing net profit margin of 27.7% compared with 24.7% a year earlier, the latest results keep...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":["earning"],"viewcount":null,"language":"en","relate_stocks":{"BK4211":"区域性银行","BK4112":"金融交易所和数据","MGYR":"Magyar Bancorp","BK4195":"互助储蓄与抵押信贷金融服务"},"translate_title":"Magyar Bancorp(MGYR)27.7%的利润率支持看涨的盈利叙述","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"MGYR":1.98},"content_text":"Magyar Bancorp (MGYR) has just wrapped up Q1 2026 with Q4 2025 numbers that show total revenue of US$9.0 million and basic EPS of US$0.41, backed by net income of US$2.5 million. Over the past year, the bank has seen revenue range between US$7.2 million and US$9.3 million per quarter while EPS moved between roughly US$0.27 and US$0.43, with trailing 12 month EPS reported at about US$1.57. With a trailing net profit margin of 27.7% compared with 24.7% a year earlier, the latest results keep the focus on how efficiently the bank is converting its revenue into bottom line earnings. See our full analysis for Magyar Bancorp. With the headline numbers on the table, the next step is to see how this earnings profile lines up with the main narratives around Magyar Bancorp, and where the fresh data may start to challenge those stories. Curious how numbers become stories that shape markets? Explore Community Narratives NasdaqGM:MGYR Earnings & Revenue History as at Jan 2026 AdvertisementLoan book edges higher with 858.9 million total  Total loans increased from US$806.6 million in Q1 2025 to US$858.9 million by Q4 2025, alongside quarterly net income between US$2.1 million and US$2.7 million across that span. Supporters of a more optimistic view often like to see steady lending activity, and here the loan balance rose each quarter while trailing 12 month net income reached US$9.8 million, which can be read as consistent business volume rather than one off profit spikes.\n     Loans moved from US$781.2 million in Q4 2024 to US$858.9 million in Q4 2025, while trailing 12 month EPS went from US$1.23 to US$1.57. That pairing of a larger loan book and higher trailing earnings gives the bullish side concrete figures to point to when they talk about the bank’s operating base.    Margins and profit growth work together at 27.7%  Over the trailing 12 months, Magyar Bancorp reported a 27.7% net profit margin and 25.4% earnings growth, with a 5 year earnings CAGR of 13.6% per year. What stands out for a bullish angle is how these profit figures back up the idea of solid core performance, while still leaving room for skeptics to ask how durable this is.\n     The net margin moved from 24.7% to 27.7% alongside trailing 12 month revenue of about US$35.2 million in Q4 2025, which heavily supports the bullish case that recent profitability has been strong. At the same time, critics may point out that the 25.4% one year earnings growth is higher than the 13.6% 5 year CAGR, so a cautious investor might question whether this pace is typical or just a strong patch.    To see how these profit trends fit into a fuller story on growth and risks, you can step through the wider narrative and valuation workup in one place. 📊 Read the full Magyar Bancorp Consensus Narrative. Valuation sits near DCF fair value at 11.8x P/E  The shares trade on a P/E of 11.8x, matching the broader US Banks average of 11.8x, while a DCF fair value of about US$17.79 is close to the current price of US$17.62. What is interesting here is how the numbers both support and challenge a bullish take, because the stock looks roughly aligned with broad bank valuations but carries some peer and dividend trade offs.\n     Bulls can point out that the current price sits only about 1% below the DCF fair value of US$17.79, which fits with the idea that the market is broadly in step with the earnings and cash flow profile. On the other hand, bears can highlight that the 11.8x P/E is above the 8.7x peer average and that the dividend history is described as unstable, which may matter for investors who focus heavily on income and relative value.     Next Steps Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on Magyar Bancorp's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move. See What Else Is Out There Magyar Bancorp’s roughly in line valuation and unstable dividend record mean income focused investors may not find the consistency or premium they are looking for. If that gives you pause, check out these 1804 dividend stocks with yields > 3% to quickly zero in on income ideas with yields above 3% and more dependable payout histories.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"dataReport","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}