Stock fact sheet · data as of
Magyar Bancorp, Inc. (MGYR): fair value, margin of safety and Wheel Score
Ticker symbol MGYR · Financial Services · Banks - Regional · United States · Blend
Is MGYR undervalued?
At 23.00 (close of 5 Nov 2026), MGYR trades 55% below the GLS average fair value of 50.63. That average comes from 9 models run on the latest filings, and 6 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Magyar Bancorp, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between DDM (5.59) and GLS Growth (95.50). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for MGYR, so the nightly engine files it under Blend (value score 71, growth score 61, out of 100).
Nine valuation models for MGYR
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 20.62 | -10% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 30.37 | +32% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 91.52 | +298% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 38.23 | +66% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 95.50 | +315% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 64.32 | +180% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 87.15 | +279% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.59 | -76% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 22.40 | -3% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -131.68 | -673% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Magyar Bancorp, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 4.9/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 7.5%, ROE 10.6%, ROA 1.3% - with debt at 0.41 times equity and a free-cash-flow yield of 10.1%.
The dividend yield is 1.65% at a payout ratio of 18%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 4/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 7.5% |
|---|---|---|---|
| GLS Moat | 4.9 / 10 | ROE | 10.6% |
| Debt / equity | 0.41 | ROA | 1.3% |
| Free-cash-flow yield | 10.1% | Payout ratio | 18% |
| Institutions | 4 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 33: No options
No options are listed on Magyar Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 33, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 8k shares a day on a market cap of $148M, with a beta of 0.23 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $148M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 55% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 4.9/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.23, $148M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for MGYR in the nightly calendar. The shares go ex-dividend on 10 Nov 2026 (0.1200 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Magyar Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| LSBK Lake Shore Bancorp, Inc. | 18.98 | 22.00 | +14% | 29No options | $148M |
| BLHK Blueharbor Bank | 50.49 | 105.15 | +52% | 31No options | $149M |
| CBBI CBB Bancorp, Inc. | 13.85 | 51.21 | +73% | 33No options | $147M |
| FGBIP First Guaranty Bancshares, Inc. | 18.31 | 58.90 | +69% | 30No options | $151M |
| BEOB BEO Bancorp | 62.27 | 174.87 | +64% | 33No options | $152M |
| TYCB Calvin B. Taylor Bankshares, Inc. | 57.55 | 143.16 | +60% | 36No options | $152M |
| SFDL Security Federal Corporation | 46.80 | 60.62 | +23% | 32No options | $145M |
| FFDF FFD Financial Corporation | 49.75 | 76.73 | +35% | 35No options | $145M |
| CHBH Croghan Bancshares, Inc. | 76.20 | 94.64 | +19% | 29No options | $154M |
| PONT Pontiac Bancorp, Inc. | 685.00 | 811.82 | +16% | 27No options | $142M |
| PBCO PBCO Financial Corporation | 27.95 | 23.60 | -18% | 19No options | $142M |
| EMYB Embassy Bancorp, Inc. | 21.00 | 38.15 | +45% | 37No options | $156M |
⚖ Compare MGYR with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about MGYR
Is MGYR undervalued right now?
By the GLS models, yes: at 23.00 the stock is 55% below the average fair value of 50.63 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of MGYR and what does it mean?
MGYR has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for MGYR?
50.63 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Magyar Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for MGYR in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does MGYR have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on MGYR, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.