Magyar Bancorp, Inc.

MGYR

MGYRMagyar Bancorp, Inc. US flag

NASDAQ Global Market

17.23

USD

-0.17

- -

111.35MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	17	17	17	17	18	19	20	22	22	23	29	30	30	32	36
+ Sales & Services Revenue	17	17	17	17	18	19	20	22	22	23	29	30	30	32	36
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	10	8	8	9	9	9	10	10	11	11	11	12	13	13	14
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-10	-8	-8	-9	-9	-9	-10	-10	-11	-11	-11	-12	-13	-13	-14
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	- -	-1	- -	-1	-1	-2	-2	-4	-4	-3	-9	-11	-11	-11	-14
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	-1	- -	-1	-1	-2	-2	-4	-4	-3	-9	-11	-11	-11	-14
Pretax Income	- -	1	- -	1	1	2	2	4	4	3	9	11	11	11	14
- Income Tax Expense (Benefit)	- -	- -	- -	- -	- -	1	1	1	1	1	3	3	3	3	4
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	- -	1	- -	1	1	1	1	2	3	2	6	8	8	8	10
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	- -	1	- -	1	1	1	1	2	3	2	6	8	8	8	10
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	- -	1	- -	1	1	1	1	2	3	2	6	8	8	8	10
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	- -	1	- -	1	1	1	1	2	3	2	6	8	8	8	10
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA Margin (%)	5.62	5.56	5.5	5.4	4.71	4.13	4.09	4	3.92	3.74	2.91	2.82	2.76	2.82	2.63
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	-1.44	3.03	1.55	3.37	5	5.79	7.14	9.44	13.47	9.6	21.34	26.63	25.35	24.69	27.41
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.21	0.2	0.27	0.29
Depreciation Expense	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	6	6	5	6	6	6	6	6	6	6	6	7	6	6	6
Basic EPS, GAAP	-0.04	0.09	0.05	0.1	0.15	0.19	0.24	0.35	0.51	0.38	1.01	1.17	1.2	1.23	1.57
Basic EPS from Cont Ops	-0.04	0.09	0.05	0.1	0.15	0.19	0.24	0.35	0.51	0.38	1.01	1.17	1.2	1.23	1.57
Diluted Weighted Avg Shares	6	6	5	6	6	6	6	6	6	6	6	7	6	6	6
Diluted EPS, GAAP	-0.04	0.09	0.05	0.1	0.15	0.19	0.24	0.35	0.51	0.38	1.01	1.17	1.2	1.23	1.56
Diluted EPS from Cont Ops	-0.04	0.09	0.05	0.1	0.15	0.19	0.24	0.35	0.51	0.38	1.01	1.17	1.2	1.23	1.56

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	15	27	34	22	24	27	34	38	38	76	88	40	83	41	23
+ Cash & Cash Equivalents	15	10	18	10	18	22	22	15	21	62	75	31	73	26	7
+ ST Investments	- -	17	16	12	6	5	12	22	17	15	13	9	10	16	16
+ Accounts & Notes Receiv	2	2	2	2	2	2	2	2	2	4	4	3	4	5	6
+ Accounts Receivable, Net	2	2	2	2	2	2	2	2	2	4	4	3	4	5	6
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-17	-29	-35	-24	-26	-29	-36	-40	-40	-80	-92	-44	-87	-46	-29
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	21	22	21	19	18	18	18	17	16	15	14	14	13	13	12
+ Property, Plant & Equip	29	30	29	28	28	29	29	30	30	29	29	29	30	30	30
- Accumulated Depreciation	8	8	9	9	10	11	12	13	13	14	15	16	16	17	18
+ LT Investments & Receivables	70	58	68	61	59	58	63	56	46	45	71	101	96	95	88
+ LT Investments	70	58	68	61	59	58	63	56	46	45	71	101	96	95	88
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-91	-79	-89	-80	-76	-76	-81	-73	-62	-60	-85	-115	-109	-108	-101
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-91	-79	-89	-80	-76	-76	-81	-73	-62	-60	-85	-115	-109	-108	-101
Total Assets	524	509	538	530	551	584	603	624	630	754	774	799	907	952	998
+ Payables & Accruals	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1
+ Accounts Payable	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5	4	4	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5	4	4	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-5	-5	-4	-1
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-5	-5	-4	-1
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	35	37	27	26	32	36	32	36	36	67	23	16	30	29	49
+ LT Borrowings	35	37	27	26	32	36	32	36	36	67	23	16	30	29	49
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-35	-37	-27	-26	-32	-36	-32	-36	-36	-67	-23	-16	-30	-29	-49
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-35	-37	-27	-26	-32	-36	-32	-36	-36	-67	-23	-16	-30	-29	-49
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	480	464	492	484	504	537	554	573	576	697	676	700	803	841	879
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	27	26	26	26	26	26	26	26	26	26	64	64	63	63	63
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	26	26	26	26	26	26	26	26	26	26	64	64	63	63	63
- Treasury Stock	1	1	1	1	1	1	1	1	1	1	1	6	5	7	8
+ Retained Earnings	21	22	22	22	23	24	26	28	31	33	39	46	52	59	67
+ Other Equity	- -	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-2	-2	-1	-1
Equity Before Minority Interest	45	45	45	46	47	48	49	51	55	57	98	99	105	111	119
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	45	45	45	46	47	48	49	51	55	57	98	99	105	111	119
Total Liabilities & Equity	524	509	538	530	551	584	603	624	630	754	774	799	907	952	998
Shares Outstanding	6	6	6	6	6	6	6	6	6	6	7	7	7	7	6
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	20	26	9	15	13	14	10	20	15	6	-52	-11	-39	6	42
Net Debt to Equity	44.67	58.79	20.54	33.18	28.9	29.83	19.35	39.24	26.93	10	-53.1	-10.73	-36.87	5.85	35.31
Tangible Common Equity Ratio	8.49	8.84	8.43	8.66	8.48	8.17	8.2	8.23	8.67	7.54	12.62	12.34	11.55	11.61	11.91
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	- -	1	- -	1	1	1	1	2	3	2	6	8	8	8	10
+ Depreciation & Amortization	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
+ Non-Cash Items	15	10	7	6	11	5	3	2	- -	1	2	- -	- -	-1	- -
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1
+ Deferred Income Taxes	- -	- -	- -	- -	- -	1	1	1	- -	-1	- -	- -	-1	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	15	10	7	5	10	5	2	1	1	2	2	- -	- -	-2	-1
+ Chg in Non-Cash Work Cap	- -	1	3	-2	- -	1	-1	- -	2	-3	1	2	- -	-2	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2	- -	- -	-1	-1	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	1	2	-2	- -	1	-1	- -	2	-2	2	4	1	-2	-1
+ Inc (Dec) in Other	- -	- -	1	- -	- -	- -	- -	- -	- -	1	-2	-2	-1	1	1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	16	13	11	6	13	9	4	5	6	1	9	11	8	6	10
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	2	- -	- -	- -	- -	- -	1	- -	- -	- -	1	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	2	- -	- -	- -	- -	- -	1	- -	- -	- -	1	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1
+ Acq of Fixed Prod Assets	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	37	-5	-1	-2	-1
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	37	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-5	-1	-2	-1
+ Net Change in LT Investment	-11	13	-11	7	2	- -	-5	6	11	1	-26	-32	5	1	7
+ Dec in LT Investment	34	40	20	16	12	17	8	11	15	21	23	9	11	14	19
+ Inc in LT Investment	-45	-27	-31	-9	-10	-17	-13	-5	-5	-20	-49	-41	-7	-12	-11
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	5	-13	-19	-15	-26	-36	-16	-37	-11	-82	18	-37	-70	-92	-71
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-8	-1	-31	-7	-24	-36	-22	-30	- -	-80	-8	-70	-66	-90	-64
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1	-2	-2
+ Net Cash From Debt	-11	2	-8	-2	6	4	-4	4	1	31	-44	-8	14	-1	20
+ Cash From Debt	- -	3	5	7	11	7	1	9	10	42	- -	3	19	3	24
+ Repayments of Debt	-11	-1	-13	-9	-5	-2	-5	-5	-9	-10	-44	-11	-5	-4	-4
+ Other Financing Activities	-3	-19	36	-5	13	27	23	15	- -	88	19	28	88	42	18
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-14	-17	28	-6	19	31	19	19	1	119	12	14	99	37	35
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-6	-5	8	-8	8	4	1	-7	6	40	13	-44	42	-47	-19
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA Margin (%)	5.62	5.56	5.5	5.4	4.71	4.13	4.09	4	3.92	3.74	2.91	2.82	2.76	2.82	2.63
Free Cash Flow	15	13	11	5	12	8	3	4	6	1	9	11	8	6	10
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	- -	13	11	5	12	8	3	4	6	1	9	11	8	6	10
Free Cash Flow to Equity	3	14	3	5	19	13	-1	8	6	33	-35	3	22	5	30
Free Cash Flow per Basic Share	2.52	2.21	2.03	0.95	2.08	1.45	0.56	0.75	0.98	0.12	1.46	1.6	1.27	0.87	1.58
Price/Free Cash Flow	0.95	1.65	2.85	7.01	3.82	5.45	15.25	11.77	9.66	40.96	7.17	7.26	7.49	10.93	9.83
Cash Flow to Net Income	-64.27	25.2	41.63	9.69	13.94	7.8	2.53	2.28	1.93	0.37	1.51	1.41	1.1	0.81	1.06
Capital Expenditures	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1