Magyar Bancorp (MGYR)
Market Price (6/22/2026): $17.99 | Market Cap: $111.9 MilSector: Financials | Industry: Regional Banks
Magyar Bancorp (MGYR)
Market Price (6/22/2026): $17.99Market Cap: $111.9 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.4%, FCF Yield is 10% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -22% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31% Low stock price volatilityVol 12M is 21% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -1.2%, Dist 3Y High is -1.2% | Key risksMGYR key risks include [1] a substantial concentration in commercial real estate (CRE) lending and [2] significant interest rate sensitivity due to its duration exposure. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.4%, FCF Yield is 10% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -22% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31% |
| Low stock price volatilityVol 12M is 21% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -1.2%, Dist 3Y High is -1.2% |
| Key risksMGYR key risks include [1] a substantial concentration in commercial real estate (CRE) lending and [2] significant interest rate sensitivity due to its duration exposure. |
Qualitative Assessment
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Magyar Bancorp (MGYR) stock has gained about 5% since 2/28/2026 because of the following key factors:
1. Consistent Earnings Growth and Margin Expansion Supported by Loan and Deposit Growth. Magyar Bancorp reported a 13% increase in net income, reaching $3.0 million for the three months ended March 31, 2026, compared to $2.7 million for the same period last year. This positive performance was underpinned by an expanding net interest margin (NIM), which grew by 35 basis points to 3.66% for the quarter ended March 31, 2026, primarily driven by a $65.3 million increase in average net loans receivable. Additionally, total deposits increased by 7.9% to $878.4 million at March 31, 2026.
2. Strong Asset Quality and Healthy Balance Sheet. The company maintained robust asset quality, with non-performing loans decreasing to $294,000, representing a minimal 0.03% of total loans, by March 31, 2026. Total assets also showed solid growth, increasing 7.1% to $1.07 billion at March 31, 2026, from $997.7 million at September 30, 2025. These indicators of financial health likely contributed to investor confidence and stability in the stock price.
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Magyar Bancorp (MGYR) stock has gained about 5% since 2/28/2026 because of the following key factors:
1. Consistent Earnings Growth and Margin Expansion Supported by Loan and Deposit Growth. Magyar Bancorp reported a 13% increase in net income, reaching $3.0 million for the three months ended March 31, 2026, compared to $2.7 million for the same period last year. This positive performance was underpinned by an expanding net interest margin (NIM), which grew by 35 basis points to 3.66% for the quarter ended March 31, 2026, primarily driven by a $65.3 million increase in average net loans receivable. Additionally, total deposits increased by 7.9% to $878.4 million at March 31, 2026.
2. Strong Asset Quality and Healthy Balance Sheet. The company maintained robust asset quality, with non-performing loans decreasing to $294,000, representing a minimal 0.03% of total loans, by March 31, 2026. Total assets also showed solid growth, increasing 7.1% to $1.07 billion at March 31, 2026, from $997.7 million at September 30, 2025. These indicators of financial health likely contributed to investor confidence and stability in the stock price.
3. Stable Quarterly Dividend Payout. Magyar Bancorp consistently declared and paid a quarterly cash dividend of $0.10 per share. The dividend declared on April 23, 2026, was paid on May 21, 2026, to stockholders of record as of May 7, 2026. This regular payout, offering an annual dividend yield of approximately 2.29%, provided a steady return for shareholders and signaled financial reliability.
4. Neutral Sector-Wide Macroeconomic Environment for Regional Banks. The broader regional banking sector during this period exhibited a transition towards stabilization in interest rates, with expectations for lower short-end rates and a steeper yield curve in 2026. While the industry saw a shift from defensive consolidation to strategic expansion, with some regional banks being targets for acquisition, no specific significant external catalysts emerged to exert strong upward or downward pressure unique to Magyar Bancorp, allowing its stock to track generally flat within its established range.
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Stock Movement Drivers
Fundamental Drivers
The 4.2% change in MGYR stock from 2/28/2026 to 6/21/2026 was primarily driven by a 2.6% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282026 | 6212026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.42 | 18.15 | 4.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 37 | 38 | 2.6% |
| Net Income Margin (%) | 29.3% | 29.5% | 0.6% |
| P/E Multiple | 10.0 | 10.1 | 1.0% |
| Shares Outstanding (Mil) | 6 | 6 | -0.1% |
| Cumulative Contribution | 4.2% |
Market Drivers
2/28/2026 to 6/21/2026| Return | Correlation | |
|---|---|---|
| MGYR | 4.2% | |
| Market (SPY) | 9.2% | 19.7% |
| Sector (XLF) | 4.7% | 2.1% |
Fundamental Drivers
The 9.6% change in MGYR stock from 11/30/2025 to 6/21/2026 was primarily driven by a 6.9% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 11302025 | 6212026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.56 | 18.15 | 9.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 35 | 38 | 6.9% |
| Net Income Margin (%) | 27.7% | 29.5% | 6.7% |
| P/E Multiple | 10.5 | 10.1 | -3.9% |
| Shares Outstanding (Mil) | 6 | 6 | -0.1% |
| Cumulative Contribution | 9.6% |
Market Drivers
11/30/2025 to 6/21/2026| Return | Correlation | |
|---|---|---|
| MGYR | 9.6% | |
| Market (SPY) | 9.9% | 13.0% |
| Sector (XLF) | 1.3% | 1.4% |
Fundamental Drivers
The 16.5% change in MGYR stock from 5/31/2025 to 6/21/2026 was primarily driven by a 12.1% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 5312025 | 6212026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.57 | 18.15 | 16.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 34 | 38 | 12.1% |
| Net Income Margin (%) | 26.7% | 29.5% | 10.6% |
| P/E Multiple | 10.8 | 10.1 | -6.1% |
| Shares Outstanding (Mil) | 6 | 6 | 0.0% |
| Cumulative Contribution | 16.5% |
Market Drivers
5/31/2025 to 6/21/2026| Return | Correlation | |
|---|---|---|
| MGYR | 16.5% | |
| Market (SPY) | 28.1% | 18.5% |
| Sector (XLF) | 6.7% | 10.1% |
Fundamental Drivers
The 90.3% change in MGYR stock from 5/31/2023 to 6/21/2026 was primarily driven by a 34.5% change in the company's P/E Multiple.| (LTM values as of) | 5312023 | 6212026 | Change |
|---|---|---|---|
| Stock Price ($) | 9.54 | 18.15 | 90.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 31 | 38 | 22.6% |
| Net Income Margin (%) | 26.4% | 29.5% | 11.7% |
| P/E Multiple | 7.5 | 10.1 | 34.5% |
| Shares Outstanding (Mil) | 6 | 6 | 3.4% |
| Cumulative Contribution | 90.3% |
Market Drivers
5/31/2023 to 6/21/2026| Return | Correlation | |
|---|---|---|
| MGYR | 90.3% | |
| Market (SPY) | 85.7% | 7.3% |
| Sector (XLF) | 77.0% | 7.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| MGYR Return | 57% | 6% | -11% | 33% | 20% | 1% | 139% |
| Peers Return | 39% | -10% | -10% | 1% | 9% | 18% | 46% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 98% |
Monthly Win Rates [3] | |||||||
| MGYR Win Rate | 67% | 58% | 42% | 50% | 58% | 33% | |
| Peers Win Rate | 70% | 38% | 43% | 48% | 50% | 73% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| MGYR Max Drawdown | -16% | -9% | -30% | -9% | -9% | -13% | |
| Peers Max Drawdown | -17% | -29% | -44% | -31% | -23% | -12% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PFS, CNOB, OCFC, KRNY, NFBK.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/18/2026 (YTD)
How Low Can It Go
| Event | MGYR | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -17.6% | -9.5% |
| % Gain to Breakeven | 21.4% | 10.5% |
| Time to Breakeven | 46 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -23.7% | -6.7% |
| % Gain to Breakeven | 31.1% | 7.1% |
| Time to Breakeven | 448 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -33.2% | -33.7% |
| % Gain to Breakeven | 49.7% | 50.9% |
| Time to Breakeven | 326 days | 140 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -32.6% | -17.9% |
| % Gain to Breakeven | 48.3% | 21.8% |
| Time to Breakeven | 98 days | 123 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -19.3% | -15.4% |
| % Gain to Breakeven | 24.0% | 18.2% |
| Time to Breakeven | 2 days | 125 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -74.6% | -53.4% |
| % Gain to Breakeven | 293.1% | 114.4% |
| Time to Breakeven | 2863 days | 1085 days |
In The Past
Magyar Bancorp's stock fell -7.5% during the 2025 US Tariff Shock. Such a loss loss requires a 8.2% gain to breakeven.
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| Event | MGYR | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -23.7% | -6.7% |
| % Gain to Breakeven | 31.1% | 7.1% |
| Time to Breakeven | 448 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -33.2% | -33.7% |
| % Gain to Breakeven | 49.7% | 50.9% |
| Time to Breakeven | 326 days | 140 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -32.6% | -17.9% |
| % Gain to Breakeven | 48.3% | 21.8% |
| Time to Breakeven | 98 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -74.6% | -53.4% |
| % Gain to Breakeven | 293.1% | 114.4% |
| Time to Breakeven | 2863 days | 1085 days |
| Summer 2007 Credit Crunch | ||
| % Loss | -21.5% | -8.6% |
| % Gain to Breakeven | 27.3% | 9.5% |
| Time to Breakeven | 3488 days | 47 days |
In The Past
Magyar Bancorp's stock fell -7.5% during the 2025 US Tariff Shock. Such a loss loss requires a 8.2% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Magyar Bancorp (MGYR)
Magyar Bancorp, Inc. (MGYR) operates as the holding company for Magyar Bank, a community bank primarily focused on providing a comprehensive suite of consumer and commercial banking services. The company caters to individuals, businesses, and nonprofit organizations within New Jersey, operating through seven branch offices located in communities such as New Brunswick, Bridgewater, and Edison.
The bank's main products include a variety of deposit accounts, such as demand, savings, money market, and retirement accounts, along with certificates of deposit. On the lending side, Magyar Bank offers residential mortgage loans, multi-family and commercial real estate loans, home equity loans and lines of credit, commercial business loans, and construction loans, including those backed by the Small Business Administration (SBA).
Beyond traditional banking, Magyar Bancorp also provides non-deposit investment products and financial planning services, such as insurance products, fixed and variable annuities, and retirement planning for its diverse customer base. Additionally, the company actively engages in the buying, selling, and holding of investment securities.
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It's like a New Jersey-focused Bank of America.
It's like a small, New Jersey-based PNC Bank.
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- Deposit Services: Accepting various types of deposit accounts, including checking, savings, money market, and certificates of deposit.
- Lending Services: Providing a range of loans such as residential mortgages, commercial real estate loans, home equity loans, business loans, and construction loans.
- Investment and Financial Planning Services: Offering non-deposit investment products, insurance, fixed and variable annuities, and retirement planning for customers.
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Magyar Bancorp (MGYR) primarily serves a diverse customer base rather than having a few major customers. Based on its operations as a community bank, it sells banking and financial services to the following categories of customers:
- Individuals: Consumers seeking deposit accounts (demand, savings, NOW, money market, retirement accounts, certificates of deposit), residential mortgage loans, home equity loans and lines of credit, non-deposit investment products, and financial planning services.
- Businesses: Commercial entities requiring commercial banking services, multi-family and commercial real estate mortgage loans, commercial business loans, construction loans, small business administration loans, and financial planning services.
- Nonprofit Organizations: Nonprofits that utilize various commercial banking services provided by the bank.
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John Fitzgerald, President and Chief Executive Officer
John Fitzgerald has served as President and Chief Executive Officer of Magyar Bank since 2010. He joined Magyar Bank in June 2001, initially as Department Head of Commercial Lending, and later held the position of Executive Vice President and Chief Operating Officer from 2005 to 2009. Prior to his tenure at Magyar Bank, Mr. Fitzgerald was the Vice President of Commercial Lending at United Trust Bank. He has a long tenure with the company, serving as CEO for over 15 years.
Jon Ansari, Executive Vice President and Chief Financial Officer
Jon Ansari is the Executive Vice President and Chief Financial Officer of both Magyar Bancorp, Inc. and Magyar Bank, a position he has held since 2005. He also serves as a director for the company since 2017. Mr. Ansari joined Magyar Bank in July 1999 and progressively advanced through various financial roles, including Vice President of Finance, Controller, Assistant Controller, and Accountant, before being appointed CFO.
Peter Brown, Senior Vice President and Chief Lending Officer
Peter Brown has been the Senior Vice President and Chief Lending Officer of Magyar Bank and Magyar Bancorp, Inc. since July 2019. He initially joined Magyar Bank in 2013 as Vice President, Commercial Lending Officer. Before joining Magyar Bank, Mr. Brown held the role of President/CEO of Manasquan Savings Bank, bringing over 30 years of banking experience to his current position.
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Key Risks to Magyar Bancorp (MGYR)
- Concentration in Commercial Real Estate (CRE) Lending and Credit Risk: Magyar Bancorp has a significant concentration in commercial real estate loan assets in New Jersey, representing a considerable portion of its loan portfolio. This concentration exposes the bank to elevated credit risk, particularly as commercial real estate loans are considered a riskier type of loan. Historically, the bank has experienced large lending losses, especially during economic downturns. Community banks, like Magyar Bancorp, often have a higher concentration of loans to small businesses and individuals, increasing their overall exposure to credit risk.
- Interest Rate Risk and Intense Competition for Deposits: Magyar Bancorp faces significant interest rate risk, where changes in interest rates can impact its profitability. The bank operates in a highly competitive environment for deposits, which drives up the cost of funds. Regional banks must offer higher rates to retain liquidity, directly squeezing profitability. The balance between the duration of the bank's assets and the rising cost of its liabilities presents a continuous risk. Net interest margins and the cost of funds are identified as crucial external risks for community banks.
- Regulatory Scrutiny, Compliance Costs, and Cybersecurity: Magyar Bancorp is subject to increasing regulatory scrutiny and the financial burden of compliance modernization. Regulators are increasingly targeting smaller financial institutions for compliance failures, leading to a material increase in non-interest expenses dedicated to legal and compliance functions. Additionally, cybersecurity is a top internal risk for community banks, including Magyar Bancorp, given their access to funds and sensitive customer data. Community banks are particularly vulnerable to cyberattacks due to fewer resources compared to larger institutions.
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The rise of digital-only banks (neobanks) and financial technology (FinTech) companies represents a clear emerging threat to traditional community banks like Magyar Bancorp. These digital-first competitors offer banking services, including deposit accounts, lending, and payment solutions, often with lower fees, higher interest rates on deposits, and more seamless digital experiences, effectively bypassing the need for physical branch locations. This model allows them to attract customers, particularly younger demographics and those seeking convenience, who may be less tied to a physical banking presence. This phenomenon directly challenges the branch-centric business model and customer acquisition strategies of Magyar Bancorp, potentially eroding its deposit base and loan origination opportunities.
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Here are the addressable market sizes for Magyar Bancorp's main products and services in New Jersey:
- Deposit Accounts: The total deposits in New Jersey were approximately $431.46 billion as of June 30, 2024.
- Residential Mortgage Loans, Multi-family and Commercial Real Estate Mortgage Loans, Home Equity Loans and Lines of Credit, and Construction Loans: The market size for the broader Real Estate Loans & Collateralized Debt industry in New Jersey is projected to be $9.1 billion in 2026. This figure represents the industry's market size, which encompasses these various loan types, rather than the total outstanding loan balances for each specific category.
- Commercial Business Loans: This service falls under the Commercial Banking industry. The market size of the Commercial Banking industry in New Jersey is projected to be $50.6 billion in 2026.
- Small Business Administration (SBA) Loans: New lending to New Jersey businesses (loans of $1 million or less), which would include SBA loans, totaled $7.9 billion in 2023. Additionally, community banks in New Jersey provided $9.5 billion in SBA loans to small businesses cumulatively from 2010-2025.
- Non-deposit Investment Products and Financial Planning Services: Null
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Magyar Bancorp (NASDAQ: MGYR) is expected to drive future revenue growth over the next two to three years through several key areas, primarily focusing on an expanding net interest margin, continued loan portfolio growth, and strategic deposit gathering. The company's management has provided forward guidance and demonstrated trends that support these drivers.
The expected drivers of future revenue growth for Magyar Bancorp are:
- Net Interest Margin (NIM) Expansion due to Favorable Interest Rate Environment: Magyar Bancorp anticipates an increase in its net interest margin, largely driven by expected Federal Reserve rate cuts and the repricing of commercial term loans. The company's net interest margin increased by 37 basis points to 3.59% for the quarter ended December 31, 2025, from the previous year, a trend expected to continue. Analysts also project that falling rates could expand the net interest margin to approximately 3.5% or even 4% from the current 3.35%, significantly boosting earnings.
- Growth in Loan Portfolio, particularly Commercial Real Estate (CRE) Loans: The company has demonstrated a consistent focus on growing its loan portfolio. For the fiscal year ended September 30, 2025, total loans receivable increased by $77.2 million, contributing to a 10% growth in the loan portfolio. Commercial real estate loans have been a notable area of expansion, with long-term advances from the Federal Home Loan Bank of New York being utilized to match fund commercial real estate loan originations. Management has emphasized its commitment to growing the balance sheet through prudent lending.
- Strategic Deposit Growth: Magyar Bancorp aims for responsible deposit growth as a fundamental component of its balance sheet management strategy. The company reported that deposits rose by $61.0 million, or 7.7%, to $857.7 million in the second quarter of 2025. This deposit growth is essential for funding loan originations and expanding the company's interest-earning assets.
- Increased Non-Interest Income from SBA Loan Sales: Gains from the sale of Small Business Administration (SBA) loans have emerged as a significant contributor to non-interest income. In the second quarter of 2025, other income substantially increased by $646 thousand, or 103.9%, largely fueled by these gains. Continued activity and success in this area could provide a reliable and growing source of revenue outside of traditional interest-based income.
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Share Repurchases
- Magyar Bancorp completed a stock repurchase program authorized December 8, 2022, repurchasing 337,146 shares at an average price of $12.23 per share.
- On December 8, 2022, the Board of Directors authorized a new stock repurchase program to repurchase up to 5% of its outstanding shares, or up to 337,146 shares.
- On May 22, 2025, the Board authorized an additional stock repurchase program for up to 5% of its outstanding shares, equivalent to 323,547 shares.
Share Issuance
- Magyar Bancorp completed a second-step conversion and related public stock offering on July 14, 2021.
- In this offering, the company sold 3,910,000 shares of common stock at $10.00 per share, generating gross proceeds of $39.1 million.
- Approximately 7,098,070 shares of common stock were outstanding following the conversion as of July 14, 2021.
Capital Expenditures
- Magyar Bancorp invested $4,000 in capital expenditures in the second fiscal quarter of 2026.
- Annual capital expenditures were reported as -$0.4 million in 2021, -$0.4 million in 2022, -$0.3 million in 2023, -$0.8 million in 2024, and -$0.6 million in 2025.
- The capital raised from the 2021 conversion was intended, in part, to support the opening or acquisition of additional branch offices.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can Magyar Bancorp Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 18.09 |
| Mkt Cap | 0.8 |
| Rev LTM | 289 |
| Op Inc LTM | - |
| FCF LTM | 82 |
| FCF 3Y Avg | 62 |
| CFO LTM | 85 |
| CFO 3Y Avg | 65 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.1% |
| Rev Chg 3Y Avg | 3.7% |
| Rev Chg Q | 13.2% |
| QoQ Delta Rev Chg LTM | 3.1% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 30.0% |
| CFO/Rev 3Y Avg | 27.3% |
| FCF/Rev LTM | 28.4% |
| FCF/Rev 3Y Avg | 25.6% |
Price Behavior
| Market Price | $18.15 | |
| Market Cap ($ Bil) | 0.1 | |
| First Trading Date | 01/24/2006 | |
| Distance from 52W High | -1.2% | |
| 50 Days | 200 Days | |
| DMA Price | $17.28 | $16.98 |
| DMA Trend | indeterminate | indeterminate |
| Distance from DMA | 5.0% | 6.9% |
| 3M | 1YR | |
| Volatility | 22.7% | 22.6% |
| Downside Capture | -20.02 | 39.56 |
| Upside Capture | 31.80 | 43.65 |
| Correlation (SPY) | 16.2% | 18.1% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.15 | 0.09 | 0.29 | 0.16 | 0.28 | 0.10 |
| Up Beta | 0.40 | 0.53 | 0.03 | 0.04 | 0.28 | -0.02 |
| Down Beta | -0.11 | 0.19 | 0.57 | -0.10 | 0.02 | 0.12 |
| Up Capture | -19% | -8% | 22% | 28% | 29% | 8% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 8 | 18 | 27 | 53 | 113 | 346 |
| Down Capture | -58% | -52% | 45% | 33% | 45% | 19% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 9 | 18 | 27 | 48 | 95 | 307 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with MGYR | |
|---|---|---|---|---|
| MGYR | 37.4% | 21.1% | 1.72 | - |
| Sector ETF (XLF) | 8.3% | 14.6% | 0.33 | 13.5% |
| Equity (SPY) | 26.5% | 12.4% | 1.61 | 16.6% |
| Gold (GLD) | 24.2% | 27.5% | 0.77 | 1.7% |
| Commodities (DBC) | 19.8% | 18.8% | 0.83 | -14.0% |
| Real Estate (VNQ) | 11.0% | 13.7% | 0.52 | 5.5% |
| Bitcoin (BTCUSD) | -40.0% | 42.4% | -1.08 | 5.6% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with MGYR | |
|---|---|---|---|---|
| MGYR | 17.7% | 23.2% | 0.76 | - |
| Sector ETF (XLF) | 9.3% | 18.6% | 0.37 | 13.8% |
| Equity (SPY) | 13.5% | 17.1% | 0.62 | 10.2% |
| Gold (GLD) | 17.1% | 18.3% | 0.76 | 0.5% |
| Commodities (DBC) | 7.5% | 19.4% | 0.29 | 0.6% |
| Real Estate (VNQ) | 1.9% | 18.9% | 0.00 | 11.6% |
| Bitcoin (BTCUSD) | 11.0% | 54.2% | 0.40 | -4.1% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with MGYR | |
|---|---|---|---|---|
| MGYR | 12.2% | 28.3% | 0.47 | - |
| Sector ETF (XLF) | 13.0% | 22.2% | 0.54 | 10.3% |
| Equity (SPY) | 15.3% | 18.0% | 0.73 | 8.1% |
| Gold (GLD) | 12.3% | 16.1% | 0.63 | -2.9% |
| Commodities (DBC) | 5.9% | 18.0% | 0.26 | -0.1% |
| Real Estate (VNQ) | 5.3% | 20.7% | 0.22 | 6.9% |
| Bitcoin (BTCUSD) | 60.0% | 66.8% | 1.00 | -0.8% |
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Returns Analyses
Earnings Returns History
Updated 6/2/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 1.3% | -0.7% | 0.2% |
| 1/29/2026 | 0.2% | 3.8% | 0.1% |
| 10/30/2025 | 0.1% | -3.1% | -1.0% |
| 7/24/2025 | 2.7% | 1.9% | 6.0% |
| 4/30/2025 | 2.4% | 4.5% | 15.9% |
| 1/23/2025 | 1.9% | 3.3% | 2.7% |
| 10/31/2024 | -0.8% | 0.9% | 12.1% |
| 7/25/2024 | -1.7% | -2.4% | -2.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 17 | 14 | 17 |
| # Negative | 6 | 9 | 6 |
| Median Positive | 1.0% | 1.9% | 3.2% |
| Median Negative | -0.7% | -1.3% | -2.3% |
| Max Positive | 6.7% | 7.4% | 15.9% |
| Max Negative | -2.5% | -3.1% | -3.5% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 1.3% | -0.7% | 0.2% |
| 1/29/2026 | 0.2% | 3.8% | 0.1% |
| 10/30/2025 | 0.1% | -3.1% | -1.0% |
| 7/24/2025 | 2.7% | 1.9% | 6.0% |
| 4/30/2025 | 2.4% | 4.5% | 15.9% |
| 1/23/2025 | 1.9% | 3.3% | 2.7% |
| 10/31/2024 | -0.8% | 0.9% | 12.1% |
| 7/25/2024 | -1.7% | -2.4% | -2.3% |
| 4/23/2024 | 3.2% | 4.5% | 2.3% |
| 1/25/2024 | 3.0% | -0.1% | 1.7% |
| 10/30/2023 | 0.8% | 7.4% | 9.6% |
| 7/20/2023 | 0.3% | 1.4% | 1.4% |
| 4/20/2023 | -2.5% | -2.0% | -3.3% |
| 1/26/2023 | -0.1% | -0.1% | -2.4% |
| 11/3/2022 | 1.0% | 2.4% | 4.5% |
| 7/26/2022 | 0.4% | 0.8% | 3.2% |
| 4/20/2022 | -0.4% | -1.3% | -3.5% |
| 1/25/2022 | 0.3% | -0.6% | 2.2% |
| 11/3/2021 | 0.8% | 1.7% | 7.5% |
| 7/26/2021 | -0.7% | -1.4% | -0.5% |
| 4/20/2021 | 1.1% | 1.1% | 0.4% |
| 1/25/2021 | 6.7% | 1.5% | 4.6% |
| 11/4/2020 | 0.0% | 1.9% | 7.1% |
| SUMMARY STATS | |||
| # Positive | 17 | 14 | 17 |
| # Negative | 6 | 9 | 6 |
| Median Positive | 1.0% | 1.9% | 3.2% |
| Median Negative | -0.7% | -1.3% | -2.3% |
| Max Positive | 6.7% | 7.4% | 15.9% |
| Max Negative | -2.5% | -3.1% | -3.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/13/2026 | 10-Q |
| 12/31/2025 | 02/13/2026 | 10-Q |
| 09/30/2025 | 12/19/2025 | 10-K |
| 06/30/2025 | 08/13/2025 | 10-Q |
| 03/31/2025 | 05/13/2025 | 10-Q |
| 12/31/2024 | 02/13/2025 | 10-Q |
| 09/30/2024 | 12/19/2024 | 10-K |
| 06/30/2024 | 08/13/2024 | 10-Q |
| 03/31/2024 | 05/13/2024 | 10-Q |
| 12/31/2023 | 02/14/2024 | 10-Q |
| 09/30/2023 | 12/15/2023 | 10-K |
| 06/30/2023 | 08/14/2023 | 10-Q |
| 03/31/2023 | 05/12/2023 | 10-Q |
| 12/31/2022 | 02/13/2023 | 10-Q |
| 09/30/2022 | 12/22/2022 | 10-K |
| 06/30/2022 | 08/15/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/13/2026 | 10-Q |
| 12/31/2025 | 02/13/2026 | 10-Q |
| 09/30/2025 | 12/19/2025 | 10-K |
| 06/30/2025 | 08/13/2025 | 10-Q |
| 03/31/2025 | 05/13/2025 | 10-Q |
| 12/31/2024 | 02/13/2025 | 10-Q |
| 09/30/2024 | 12/19/2024 | 10-K |
| 06/30/2024 | 08/13/2024 | 10-Q |
| 03/31/2024 | 05/13/2024 | 10-Q |
| 12/31/2023 | 02/14/2024 | 10-Q |
| 09/30/2023 | 12/15/2023 | 10-K |
| 06/30/2023 | 08/14/2023 | 10-Q |
| 03/31/2023 | 05/12/2023 | 10-Q |
| 12/31/2022 | 02/13/2023 | 10-Q |
| 09/30/2022 | 12/22/2022 | 10-K |
| 06/30/2022 | 08/15/2022 | 10-Q |
| 03/31/2022 | 05/12/2022 | 10-Q |
| 12/31/2021 | 02/11/2022 | 10-Q |
| 09/30/2021 | 12/20/2021 | 10-K |
| 06/30/2021 | 08/13/2021 | 10-Q |
| 03/31/2021 | 05/17/2021 | 10-Q |
| 12/31/2020 | 02/12/2021 | 10-Q |
| 09/30/2020 | 12/18/2020 | 10-K |
| 06/30/2020 | 08/14/2020 | 10-Q |
| 03/31/2020 | 05/14/2020 | 10-Q |
| 12/31/2019 | 02/13/2020 | 10-Q |
| 09/30/2019 | 12/19/2019 | 10-K |
| 06/30/2019 | 08/14/2019 | 10-Q |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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