Magyar Bancorp Inc

MGYRFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:58 PM ET

21.78+0.18 (0.83%)

2026-11-12 02:27 CET

Market cap

140.60 USD m

Revenue, TTM

- USD m

Net income, TTM

12.56 USD m

Free cash flow, TTM

- USD m

EPS diluted, TTM

1.99

P/E

10.93

Compare

Price

MGYR against its 20, 50 and 200-day averages

2050200

9.2% under the 52-week high of 23.99 on 3 Nov 2026. 52-week low 16.03 on 20 Mar 2026. Last 15 sessions, 24.8% high to low

Volume 0.30× normal · the line is the 50-bar volume average

Profile

MGYR

52-week range, 72% of the way up

16.0323.99

Magyar Bancorp, Inc. is a bank holding company, which engages in the provision of financial services. It offers commercial and retail financial services, including the taking of time, savings and demand deposits, the making of commercial, consumer and home equity loans, and the provision of other financial services. The company was founded in 1922 and is headquartered in New Brunswick, NJ.

Employees	91
IPO	Jan 24, 2006
Beta	0.29
ATR, 14d	0.68
Rel volume	0.30
Short float	0.20%
Insider own	17.09%
Inst own	31.92%

Snapshot

6 groups

Valuation

Index	-
Market Cap	140.60M
Enterprise Value	-
Income	12.56M
Sales	63.62M
Book/sh	19.61
Cash/sh	-
Dividend Est.	-
Dividend TTM	0.42 (1.93%)
Dividend Ex-Date	Nov 10, 2026
Dividend Gr. 3/5Y	60.91% -
Payout	25.13%
Employees	91
IPO	Jan 24, 2006

Ratios

P/E	10.93
Forward P/E	-
PEG	-
P/S	2.21
P/B	1.11
P/C	-
P/FCF	10.16
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.03
Debt/Eq	0.38
LT Debt/Eq	0.38
Option/Short	No / Yes

Earnings

EPS (ttm)	1.99
EPS next Y	-
EPS next Q	-
EPS this Y	-
EPS next Y	-
EPS next 5Y	-
EPS past 3/5Y	18.37% 14.44%
Sales past 3/5Y	16.00% 15.00%
EPS Y/Y TTM	30.08%
Sales Y/Y TTM	8.91%
EPS Q/Q	33.44%
Sales Q/Q	8.25%
Earnings	Oct 28 AMC
EPS/Sales Surpr.	- -

Ownership

Insider Own	17.09%
Insider Trans	0.00%
Inst Own	31.92%
Inst Trans	0.47%
ROA	1.21%
ROE	10.15%
ROIC	7.06%
Gross Margin	-
Oper. Margin	27.75%
Profit Margin	19.74%
SMA20	4.17%
SMA50	9.20%
SMA200	18.56%
Trades	-

Technical

Shs Outstand	6.46M
Shs Float	5.35M
Short Float	0.20%
Short Ratio	2.44
Short Interest	0.01M
52W High	23.99 -9.21%
52W Low	16.03 35.87%
Volatility	3.35% 3.24%
ATR (14)	0.68
RSI (14)	61.38
Beta	0.29
Rel Volume	0.30
Avg Volume	4.33K
Volume	1,300

Performance

Perf Week	-5.30%
Perf Month	15.79%
Perf Quarter	12.04%
Perf Half Y	24.74%
Perf YTD	26.04%
Perf Year	29.41%
Perf 3Y	131.53%
Perf 5Y	89.10%
Perf 10Y	163.85%
Recom	-
Target Price	-
Prev Close	21.60
Price	21.78
Change %	0.83%

Peers

Mkt cap

Ticker	Company	Mkt cap
SRBK	SR Bancorp Inc	135.33M
BSBK	Bogota Financial Corp	118.58M
BCBP	BCB Bancorp Inc (NJ)	281.07M
BPRN	Princeton Bancorp Inc	301.80M
UNTY	Unity Bancorp Inc	589.15M
FRBA	First Bank (NJ)	488.40M
PKBK	Parke Bancorp Inc	383.86M
KRNY	Kearny Financial Corp	601.89M
NECB	NorthEast Community Bancorp Inc	400.59M
PDLB	Ponce Financial Group Inc	533.60M

Ticker

Company

Mkt cap

SRBK

SR Bancorp Inc

135.33M

BSBK

Bogota Financial Corp

118.58M

BCBP

BCB Bancorp Inc (NJ)

281.07M

BPRN

Princeton Bancorp Inc

301.80M

UNTY

Unity Bancorp Inc

589.15M

FRBA

First Bank (NJ)

488.40M

PKBK

Parke Bancorp Inc

383.86M

KRNY

Kearny Financial Corp

601.89M

NECB

NorthEast Community Bancorp Inc

400.59M

PDLB

Ponce Financial Group Inc

533.60M

Insider trading

3 filings

Insider	Relationship	Date	Transaction	Cost	Shares	Value	Total held	Form
Lombardi Michael R	Director	Dec 11 '25	Buy	17.10	289	4,942	739	Dec 15 11:15 AM
Lombardi Michael R	Director	Dec 12 '25	Buy	17.24	261	4,500	1,000	Dec 15 11:15 AM
MagyarBank Charitable Foundati	affiliate	Nov 14 '25	Proposed Sale	16.77	10,000	167,700		Nov 14 11:26 AM

Held by

AUM

Ticker	Company	AUM
VXF	Vanguard Extended Market Index ETF	AUM: 30.47B
DFSV	US Small Cap Value Portfolio ETF Class Shares	AUM: 8.52B
DFMC	U.S. Micro Cap Portfolio ETF Class Shares	AUM: 212.10M
DFAC	U.S. Core Equity 2 Portfolio-ETF Class Shares	AUM: 49.14B
IWC	iShares Micro-Cap ETF	AUM: 1.22B
DFAT	U.S. Targeted Value Portfolio-ETF Class Shares	AUM: 14.47B
BUSM	EA Bridgeway Ultra-Small Company Market ETF	AUM: 111.21M
DFAS	U.S. Small Cap Portfolio-ETF Class Shares	AUM: 15.51B
DCOR	US Core Equity 1 Portfolio ETF Class Shares	AUM: 3.65B
DXUV	US Vector Equity Portfolio ETF Class Shares	AUM: 665.71M

Ticker

Company

AUM

VXF

Vanguard Extended Market Index ETF

AUM: 30.47B

DFSV

US Small Cap Value Portfolio ETF Class Shares

AUM: 8.52B

DFMC

U.S. Micro Cap Portfolio ETF Class Shares

AUM: 212.10M

DFAC

U.S. Core Equity 2 Portfolio-ETF Class Shares

AUM: 49.14B

IWC

iShares Micro-Cap ETF

AUM: 1.22B

DFAT

U.S. Targeted Value Portfolio-ETF Class Shares

AUM: 14.47B

BUSM

EA Bridgeway Ultra-Small Company Market ETF

AUM: 111.21M

DFAS

U.S. Small Cap Portfolio-ETF Class Shares

AUM: 15.51B

DCOR

US Core Equity 1 Portfolio ETF Class Shares

AUM: 3.65B

DXUV

US Vector Equity Portfolio ETF Class Shares

AUM: 665.71M

News

latest 14 of 164

Oct-28-26 04:02PMMAGYAR BANCORP, INC. ANNOUNCES FISCAL FOURTH QUARTER AND FISCAL YEAR END FINANCIAL RESULTS, DECLARES QUARTERLY DIVIDEND (PR Newswire)
Jul-23-26 04:01PMMAGYAR BANCORP, INC. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS AND DECLARES DIVIDEND (PR Newswire)
Apr-23-26 04:05PMMAGYAR BANCORP, INC. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS AND DECLARES DIVIDEND (PR Newswire)
Jan-29-26 04:01PMMAGYAR BANCORP, INC. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS AND DECLARES DIVIDEND (PR Newswire)
Oct-30-25 04:01PMMAGYAR BANCORP, INC. ANNOUNCES FISCAL FOURTH QUARTER AND FISCAL YEAR END FINANCIAL RESULTS, DECLARES QUARTERLY DIVIDEND (PR Newswire)
Jul-24-25 04:01PMMAGYAR BANCORP, INC. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS AND DECLARES DIVIDEND (PR Newswire)
May-22-25 04:01PMMAGYAR BANCORP, INC. ANNOUNCES STOCK REPURCHASE PROGRAM (PR Newswire)
May-12-25 02:00PMMagyar Bancorp Named to 2025 KBW Bank Honor Roll (PR Newswire)
Apr-30-25 04:01PMMAGYAR BANCORP, INC. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS AND DECLARES DIVIDEND (PR Newswire)
Jan-23-25 04:01PMMAGYAR BANCORP, INC. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS AND DECLARES DIVIDEND (PR Newswire)
Nov-22-24 03:30PMMAGYAR BANCORP, INC. DECLARES SPECIAL CASH DIVIDEND (PR Newswire)
Oct-31-24 04:01PMMAGYAR BANCORP, INC. ANNOUNCES FISCAL FOURTH QUARTER AND FISCAL YEAR END FINANCIAL RESULTS, DECLARES QUARTERLY DIVIDEND (PR Newswire)
Jul-25-24 10:53PMMGYR Stock Earnings: Magyar Bancorp Reported Results for Q3 2024 (InvestorPlace) +5.48%
04:05PMMAGYAR BANCORP, INC. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS, DECLARES DIVIDEND, APPOINTS MICHAEL R. LOMBARDI AS DIRECTOR (PR Newswire)

Key figures

Revenue, TTM	-
Net income, TTM	12.56
EPS diluted, TTM	1.99
EBIT, TTM	17.66
Free cash flow, TTM	-
Gross margin	-%
Operating margin	27.75%
Net margin	19.74%
Market cap	140.60
P/E	10.93
Sales Y/Y, TTM	8.91%

USD millions. TTM from the statement feed.

Quarterly earnings

actual against estimate

Period	Reported	EPS act	EPS est	EPS rep	Sales act	Sales est	Analysts
2026Q2	2026-04-23	-	-	0.481	10.09	-	-
2026Q1	2026-01-29	-	-	0.500	9.66	-	-
2025Q4	2025-10-30	-	-	0.390	9.25	-	-
2025Q3	2025-07-24	-	-	0.396	8.81	-	-
2025Q2	2025-04-30	-	-	0.431	9.14	-	-
2025Q1	2025-01-23	-	-	0.335	8.40	-	-
2024Q4	2024-10-31	-	-	0.391	8.99	-	-
2024Q3	2024-07-25	-	-	0.267	7.19	-	-
2024Q2	2024-04-23	-	-	0.298	7.55	-	-
2024Q1	2024-01-25	-	-	0.259	7.85	-	-
2023Q4	2023-10-30	-	-	0.327	7.84	-	-
2023Q3	2023-07-20	-	-	0.299	7.51	-	-
2023Q2	2023-04-20	-	-	0.279	7.58	-	-
2023Q1	2023-01-26	-	-	0.280	7.49	-	-
2022Q4	2022-11-03	-	-	0.360	8.06	-	-
2022Q3	2022-07-26	-	-	0.311	7.64	-	-

Annual earnings

Period	EPS act	EPS est	EPS rep	Sales act	Sales est
2013FY	0.041	-	0.041	-	-

Period

EPS act

EPS est

EPS rep

Sales act

Sales est

2013FY

0.041

Estimate revisions

last 14 periods

Period	Type	Date	Estimates	Up	Down	Mean	Low	High
No estimate revisions.

Period

Type

Date

Estimates

Down

Mean

Low

High

No estimate revisions.

Estimate history

Period	2018	2019	2020	2021	2022	2023	2024	2025	2026
EPS, annual	0.286	0.421	0.308	1.014	1.168	1.2	1.227	1.564	1.99
EPS, quarterly	0.391	0.335	0.431	0.396	0.39	0.5	0.481	0.492	0.52
Period	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26	Q4 '26
Sales, annual	26.149	28.953	28.335	31.619	32.112	40.75	52.124	58.419	63.603
Period	2018	2019	2020	2021	2022	2023	2024	2025	2026
Sales, quarterly	14.74	13.862	14.792	14.624	15.142	15.355	15.81	16.069	16.391
Period	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26	Q4 '26
Shares, annual	7.06	7.076	7.097	7.098	6.632	6.674	6.509	6.48	-	6.457
Period	2018	2019	2020	2021	2022	2023	2024	2025	2026	MRQ
Shares, quarterly	6.509	6.48	6.474	6.451	6.48	6.478	6.469	6.457	-
Period	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26	Q4 '26

Income statement, annual

Currency USD, millions
Metric	TTM	2026FY	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY
Interest Income	60.46	60.47	54.71	48.57	38.07	29.50	28.53	26.93	27.10
Total Interest Expense	23.00	23.00	22.81	20.60	10.33	2.48	2.94	5.51	6.71
Net Interest Income	37.46	37.46	31.90	27.97	27.73	27.02	25.59	21.41	20.39
Loan Loss Provision	0.95	0.95	0.40	0.09	0.38	0.30	1.63	1.67	0.67
Net Interest Income After Loan Loss Provision	36.51	36.52	31.49	27.88	27.35	26.71	23.96	19.75	19.73
Non-Interest Income	3.16	3.14	3.71	3.55	2.68	2.61	3.09	1.41	1.85
Non-Interest Expense	22.02	22.00	21.40	20.40	19.29	18.16	18.32	18.05	17.31
Operating Income	17.66	17.66	13.81	11.04	10.74	11.17	8.72	3.11	4.26
Unusual Expense	-	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income Before Taxes	17.66	17.66	13.81	11.10	10.74	11.17	8.72	3.11	4.26
Income Taxes	5.09	5.09	4.05	3.32	3.03	3.25	2.60	0.92	1.26
Consolidated Net Income	12.56	12.56	9.76	7.78	7.71	7.92	6.12	2.19	3.00
Net Income From Continuing Operations	12.56	12.56	9.76	7.78	7.71	7.92	6.12	2.19	3.00
Net Income	12.56	12.56	9.76	7.78	7.71	7.92	6.12	2.19	3.00
EPS (Recurring)	-	-	1.56	1.23	1.20	1.17	1.01	0.31	0.42
EPS (Basic, Before Extraordinaries)	2.02	2.02	1.57	1.23	1.20	1.17	1.01	0.31	0.42
EPS (Diluted)	1.99	1.99	1.56	1.23	1.20	1.17	1.01	0.31	0.42
Non-Operating Income (Expense)	-	-	0.00	0.06	0.00	0.00	0.00	0.00	0.00
Other After Tax Adjustments	-	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Stock Option Compensation Expense	-	-	0.64	0.80	0.79	0.15	0.08	0.09	0.11
Price To Earnings Ratio	10.93	10.93	11.13	9.96	8.33	10.48	12.88	21.57	22.17
Price To Sales Ratio	-	-	1.84	1.50	1.62	2.63	2.19	1.71	2.36
Operating Margin	27.75	27.76	23.64	21.18	26.36	34.78	27.59	10.98	14.72
Net Margin	19.74	19.75	16.71	14.93	18.92	24.66	19.36	7.73	10.35
Shares Outstanding	-	-	6.48	6.51	6.67	6.63	7.10	7.10	7.08
Market Capitalization	140.60	140.60	111.41	79.74	67.62	86.82	79.16	47.21	66.19

Income statement, quarterly

Currency USD, millions
Metric	2026Q4	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2	2025Q1
Interest Income	15.70	15.25	14.95	14.56	14.29	13.99	13.52	12.91
Total Interest Expense	5.75	5.83	5.72	5.70	5.89	5.81	5.65	5.46
Net Interest Income	9.95	9.42	9.23	8.86	8.40	8.18	7.88	7.44
Loan Loss Provision	0.32	0.35	0.26	0.02	0.23	0.10	-0.03	0.10
Net Interest Income After Loan Loss Provision	9.64	9.07	8.98	8.83	8.17	8.08	7.91	7.34
Non-Interest Income	0.69	0.82	0.86	0.80	0.85	0.64	1.27	0.96
Non-Interest Expense	5.57	5.53	5.57	5.36	5.35	5.24	5.40	5.41
Operating Income	4.76	4.35	4.27	4.28	3.67	3.47	3.78	2.89
Unusual Expense	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income Before Taxes	4.76	4.35	4.27	4.28	3.67	3.47	3.78	2.89
Income Taxes	1.46	1.26	1.24	1.14	1.15	1.00	1.09	0.81
Consolidated Net Income	3.30	3.09	3.03	3.14	2.52	2.47	2.68	2.08
Net Income From Continuing Operations	3.30	3.09	3.03	3.14	2.52	2.47	2.68	2.08
Net Income	3.30	3.09	3.03	3.14	2.52	2.47	2.68	2.08
EPS (Recurring)	-	0.49	0.48	0.50	0.39	0.40	0.43	0.33
EPS (Basic, Before Extraordinaries)	0.53	0.50	0.49	0.50	0.39	0.40	0.43	0.33
EPS (Diluted)	0.52	0.49	0.48	0.50	0.39	0.40	0.43	0.33
Non-Operating Income (Expense)	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other After Tax Adjustments	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Stock Option Compensation Expense	-	0.17	0.17	0.16	0.16	0.16	0.15	0.20
Price To Earnings Ratio	10.93	9.87	10.09	11.14	11.13	11.72	10.78	12.03
Price To Sales Ratio	-	1.76	1.79	1.81	1.92	1.79	1.54	1.69
Operating Margin	29.02	27.09	27.00	27.85	24.24	23.76	25.53	20.85
Net Margin	20.15	19.25	19.17	20.42	16.68	16.89	18.12	15.04
Shares Outstanding	-	6.46	6.47	6.48	6.48	6.45	6.47	6.48
Market Capitalization	140.60	112.77	112.13	111.94	111.41	107.87	90.07	94.57

Balance sheet, annual

Currency USD, millions
Metric	2026FY	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY	2018FY
Cash & Due from Banks	-	1.43	1.58	3.18	2.87	1.81	1.49	0.82	0.67
Investments	102.06	98.41	123.20	167.60	130.39	145.72	107.22	69.05	72.97
Net Loans	897.90	849.00	772.61	689.07	619.84	585.30	603.11	518.22	508.43
Investment in Unconsolidated Affiliates	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Customer Liability on Acceptances	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Real Estate Assets	-	2.17	3.73	0.33	0.28	0.64	2.59	7.53	8.59
Net Property, Plant & Equipment	-	13.94	14.77	16.03	17.17	18.23	17.99	16.17	16.99
Interest Receivables	-	5.80	5.06	4.34	3.48	3.53	4.03	2.13	2.18
Deferred Tax Assets	-	3.58	3.35	3.59	2.99	3.26	3.33	2.53	2.29
Other Intangible Assets	-	24.05	28.21	23.76	22.46	16.57	15.21	15.03	12.99
Total Assets	1,086.16	998.38	952.51	907.89	799.48	775.05	754.97	631.48	625.12
Total Deposits	887.34	818.52	800.98	758.95	671.14	639.81	618.33	530.08	530.14
Total Debt	49.30	50.97	30.98	32.46	19.23	27.61	71.04	36.19	35.52
Long Term Debt	49.30	48.84	26.92	27.33	13.75	16.15	63.21	25.89	26.58
Provision for Risks Charges	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Deferred Tax Liabilities	-	0.71	0.60	0.60	0.94	1.06	0.97	1.15	1.15
Other Liabilities	-	9.34	9.40	11.10	9.67	8.93	7.78	9.41	6.95
Total Liabilities	-	879.53	841.97	803.10	700.98	677.41	698.12	576.83	573.75
Preferred Stock - Carrying Value	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Common Equity	128.68	118.84	110.55	104.79	98.50	97.64	56.85	54.65	51.36
Total Shareholders Equity	128.68	118.84	110.55	104.79	98.50	97.64	56.85	54.65	51.36
Accumulated Minority Interest	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity	128.68	118.84	110.55	104.79	98.50	97.64	56.85	54.65	51.36
Total Liabilities & Stockholders Equity	-	998.38	952.51	907.89	799.48	775.05	754.97	631.48	625.12
Book Value Per Share	-	18.34	16.98	15.70	14.85	13.76	8.01	7.72	7.27
Tangible Book Value Per Share	-	18.34	16.98	15.70	14.85	13.76	8.01	7.72	7.27
Full-Time Employees	-	91	101	89	94	101	104	110	107
Price to Book Ratio	1.11	0.96	0.74	0.66	0.82	0.81	0.83	1.21	1.35
Return on Assets	1.21	1.00	0.84	0.90	1.01	0.80	0.32	0.48	0.33
Return on Equity	10.15	8.51	7.23	7.58	8.07	7.92	3.93	5.65	4.03
Return on Invested Capital	7.06	5.82	5.66	5.83	7.05	5.38	1.82	3.72	2.60
Current Ratio	-	0.02	0.05	0.12	0.06	0.18	0.16	0.09	0.08

Cash flow, annual

Currency USD, millions
Metric	TTM	2026FY	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY
Funds from Operations	-	-	9.50	7.26	8.29	8.23	7.73	3.70	4.04
Extraordinary Item	-	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Changes in Working Capital	-	-	-0.25	-1.54	-0.38	2.05	0.78	-3.20	1.56
Cash from Operating Activities	-	-	9.25	5.72	7.92	10.28	8.51	0.50	5.60
Capital Expenditures	-	-	-0.57	-7.36	-0.31	-3.39	-0.42	-0.15	-1.55
Net Assets From Acquisitions	-	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Sale of Fixed Assets and Businesses	-	-	0.00	0.78	0.02	0.00	0.00	0.70	0.00
Purchase or Sale of Investments	-	-	9.19	2.35	4.68	-31.80	-23.65	5.80	12.16
Purchase of Investments	-	-	-11.31	-12.48	-6.60	-41.15	-49.49	-19.78	-4.74
Sale Or Maturity of Investments	-	-	20.49	14.84	11.28	9.35	25.84	25.59	16.91
Federal Home Loan Advances Increase (Decrease)	-	-	-1.05	-0.06	-0.84	0.29	0.24	0.24	-0.06
Other Uses	-	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Sources	-	-	4.98	1.67	0.00	0.00	0.00	0.00	0.00
Cash from Investing Activities	-	-	-63.12	-89.69	-65.49	-68.82	-7.45	-79.64	-0.21
Cash Dividends Paid	-	-	-1.82	-1.68	-1.31	-1.43	0.00	0.00	0.00
Preferred Dividends (Cash Flow)	-	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Change in Capital Stock	-	-	-0.84	-2.37	-1.22	-4.65	34.15	-0.09	0.00
Repurchase of Common Pref Stock	-	-	-0.84	-2.37	-1.22	-4.65	-3.27	-0.09	0.00
Sale of Common Pref Stock	-	-	0.00	0.00	0.00	0.00	37.43	0.00	0.00
Proceedsfrom Stock Options	-	-	0.00	0.00	0.00	0.00	37.43	0.00	0.00
Issuance or Reduction of Debt, Net	-	-	20.49	-0.95	13.89	-7.73	-44.05	31.22	0.67
Change in Long Term Debt	-	-	20.49	-0.95	13.89	-7.73	-44.05	31.22	0.67
Issuance of Long Term Debt	-	-	23.99	3.44	18.63	3.00	0.00	41.52	9.61
Reduction of Long Term Debt	-	-	-3.50	-4.38	-4.74	-10.73	-44.05	-10.29	-8.94
Net Financing Active Other Cash Flow	-	-	0.00	0.00	0.00	0.00	0.83	0.01	0.11
Other Financing Activities Uses	-	-	-	-	-	-	0.00	-	-
Cash from Financing Activities	-	-	35.35	37.04	99.17	14.28	12.41	119.40	0.72
Net Change in Cash	-	-	-18.51	-46.94	41.60	-44.27	13.47	40.26	6.10
Free Cash Flow	-	-	8.68	4.91	7.61	9.89	8.09	0.35	5.54
Price to Free Cash Flow	-	-	15.72	24.20	10.46	9.96	8.55	139.05	12.32

Balance sheet, quarterly

Currency USD, millions
Metric	2026Q4	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3
Cash & Due from Banks	-	2.03	17.06	2.06	1.43	1.97
Investments	102.06	117.89	133.71	129.39	98.41	100.01
Net Loans	897.90	879.76	869.62	867.69	849.00	835.93
Investment in Unconsolidated Affiliates	-	0.00	0.00	0.00	0.00	0.00
Net Property, Plant & Equipment	-	14.25	13.80	13.80	13.94	12.36
Interest Receivables	-	5.76	5.88	5.59	5.80	5.37
Deferred Tax Assets	-	-	-	-	3.58	-
Other Intangible Assets	-	28.81	28.32	26.97	24.05	29.68
Total Assets	1,086.16	1,048.50	1,068.40	1,045.50	998.38	987.49
Total Deposits	887.34	858.75	883.17	863.53	818.52	819.96
Total Debt	49.30	51.11	50.91	51.03	50.97	36.05
Long Term Debt	49.30	51.11	50.91	51.03	48.84	36.05
Provision for Risks Charges	-	0.00	0.00	0.00	0.00	0.00
Deferred Tax Liabilities	-	-	-	-	0.71	-
Other Liabilities	-	12.02	10.16	9.19	9.34	15.15
Total Liabilities	-	921.88	944.24	923.75	879.53	871.16
Preferred Stock - Carrying Value	0.00	0.00	0.00	0.00	0.00	0.00
Common Equity	128.68	126.62	124.16	121.75	118.84	116.32
Total Shareholders Equity	128.68	126.62	124.16	121.75	118.84	116.32
Accumulated Minority Interest	-	0.00	0.00	0.00	0.00	0.00
Total Equity	128.68	126.62	124.16	121.75	118.84	116.32
Total Liabilities & Stockholders Equity	-	1,048.50	1,068.40	1,045.50	998.38	987.49
Book Value Per Share	-	19.61	19.19	18.79	18.34	18.03
Tangible Book Value Per Share	-	19.61	19.19	18.79	18.34	18.03
Full-Time Employees	-	-	-	-	91	-
Price to Book Ratio	1.11	0.91	0.92	0.94	0.96	0.94
Return on Assets	1.21	1.16	1.07	1.05	1.00	1.01
Return on Equity	10.15	9.70	9.36	9.26	8.51	8.68
Return on Invested Capital	1.86	1.74	1.73	1.82	1.51	1.62
Current Ratio	-	0.03	0.09	0.07	0.02	0.02

Cash flow, quarterly

Currency USD, millions
Metric	2026Q4	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3
Funds from Operations	-	3.47	3.56	3.38	2.60	2.58
Extraordinary Item	-	0.00	0.00	0.00	0.00	0.00
Changes in Working Capital	-	1.75	-0.07	0.03	-0.04	-0.33
Cash from Operating Activities	-	5.22	3.49	3.42	2.56	2.25
Capital Expenditures	-	-0.46	-0.33	-0.00	-0.05	-0.04
Net Assets From Acquisitions	-	0.00	0.00	0.00	0.00	0.00
Sale of Fixed Assets and Businesses	-	0.00	0.00	0.00	0.00	0.00
Purchase or Sale of Investments	-	-5.07	-6.06	-2.42	2.94	3.35
Purchase of Investments	-	-7.41	-8.13	-6.34	-1.95	-2.50
Sale Or Maturity of Investments	-	2.34	2.06	3.92	4.89	5.86
Other Uses	-	0.00	0.00	0.00	0.00	0.00
Other Sources	-	0.00	0.00	0.00	1.73	0.00
Cash from Investing Activities	-	-16.11	-8.82	-20.87	-8.96	-31.90
Cash Dividends Paid	-	-0.64	-0.63	-0.50	-0.50	-0.38
Preferred Dividends (Cash Flow)	-	0.00	0.00	0.00	0.00	0.00
Change in Capital Stock	-	-0.23	-0.16	-0.03	0.00	-0.35
Repurchase of Common Pref Stock	-	-0.26	-0.16	-0.03	0.03	-0.35
Sale of Common Pref Stock	-	0.04	0.00	0.00	-0.02	0.00
Proceedsfrom Stock Options	-	0.00	0.00	0.00	0.00	0.00
Issuance or Reduction of Debt, Net	-	0.00	0.00	0.00	13.00	2.13
Change in Long Term Debt	-	0.00	0.00	0.00	13.00	2.13
Issuance of Long Term Debt	-	0.00	0.00	0.00	15.00	2.13
Reduction of Long Term Debt	-	0.00	0.00	0.00	-2.00	0.00
Net Financing Active Other Cash Flow	-	0.00	0.00	0.00	-0.31	0.07
Other Financing Activities Uses	-	0.00	0.00	0.00	-	-
Cash from Financing Activities	-	-25.29	18.86	44.48	6.44	-36.24
Net Change in Cash	-	-36.17	13.53	27.03	0.04	-65.89
Free Cash Flow	-	4.76	3.16	3.41	2.51	2.21
Price to Free Cash Flow	-	9.48	11.74	13.49	16.32	22.05

Revenue breakdown

Revenue split	-

Short interest

shares short against float, oldest to newest

Settlement	Of float	Shares short	Float	Avg volume
2026-10-30	0.20%	0.0M	5.4M	3.07K
2026-10-15	0.15%	0.0M	5.4M	2.82K
2026-09-30	0.15%	0.0M	5.4M	2.84K
2026-09-15	0.16%	0.0M	5.4M	3.37K
2026-08-31	0.17%	0.0M	5.4M	3.50K
2026-08-14	0.20%	0.0M	5.4M	3.29K
2026-07-31	0.16%	0.0M	5.4M	3.25K
2026-07-15	0.16%	0.0M	5.4M	2.86K
2026-06-30	0.14%	0.0M	5.4M	3.37K
2026-06-15	0.14%	0.0M	5.4M	4.08K
2026-05-29	0.14%	0.0M	5.4M	5.63K
2026-05-15	0.14%	0.0M	5.4M	5.67K
2026-04-30	0.13%	0.0M	5.4M	6.63K
2026-04-15	0.13%	0.0M	5.4M	6.81K
2026-03-31	0.14%	0.0M	5.4M	6.12K
2026-03-13	0.14%	0.0M	5.4M	5.71K
2026-02-27	0.11%	0.0M	5.4M	4.44K
2026-02-13	0.13%	0.0M	5.4M	4.22K
2026-01-30	0.24%	0.0M	5.4M	3.52K
2026-01-15	0.26%	0.0M	5.4M	3.60K

Option chain

expiry 2026-11-11

Type	Strike	Bid	Ask	Last	IV	Open int	Volume	Delta	Theta	Vega
No option chain for this symbol.

Type

Strike

Bid

Ask

Last

Open int

Volume

Delta

Theta

Vega

No option chain for this symbol.

Latest SEC filings

Filed	Form	Description	Period	Link
2026-10-28	8-K	Current report	2026-10-28	SEC
2026-08-31	4	Statement of changes in beneficial ownership of securities	2026-08-27	SEC
2026-08-28	4	Statement of changes in beneficial ownership of securities	2026-08-28	SEC
2026-08-14	4	Statement of changes in beneficial ownership of securities	2026-08-13	SEC
2026-08-13	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-06-30	SEC
2026-08-03	4	Statement of changes in beneficial ownership of securities	2026-07-30	SEC
2026-07-23	8-K	Current report	2026-07-23	SEC
2026-06-23	11-K	Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)	2025-12-31	SEC
2026-05-28	4	Statement of changes in beneficial ownership of securities	2026-05-28	SEC
2026-05-13	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-03-31	SEC
2026-04-23	8-K	Current report	2026-04-23	SEC
2026-03-13	4	Statement of changes in beneficial ownership of securities	2026-03-12	SEC
2026-02-26	4	Statement of changes in beneficial ownership of securities	2026-02-25	SEC
2026-02-26	4	Statement of changes in beneficial ownership of securities	2026-02-25	SEC
2026-02-20	4	Statement of changes in beneficial ownership of securities	2026-02-19	SEC
2026-02-18	4	Statement of changes in beneficial ownership of securities	2026-02-17	SEC
2026-02-17	4	Statement of changes in beneficial ownership of securities	2026-02-12	SEC
2026-02-13	4	Statement of changes in beneficial ownership of securities	2026-02-11	SEC
2026-02-13	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2025-12-31	SEC
2026-02-12	8-K	Current report	2026-02-11	SEC
2026-02-11	8-K	Current report	2026-02-11	SEC
2026-02-09	SCHEDULE 13G/A			SEC
2026-02-04	SCHEDULE 13G/A			SEC
2026-01-29	8-K	Current report	2026-01-29	SEC
2025-12-30	DEFA14A	Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934		SEC
2025-12-30	DEF 14A	Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934	2026-02-11	SEC
2025-12-19	10-K	Annual report pursuant to Section 13 or 15(d)	2025-09-30	SEC
2025-12-15	4	Statement of changes in beneficial ownership of securities	2025-12-11	SEC
2025-11-14	144	Filing for proposed sale of securities under Rule 144.		SEC
2025-11-14	SCHEDULE 13G/A			SEC

Insider activity by month

Month	Bought	Buys
2026-11	0	0
2026-10	0	0
2026-09	0	0
2026-08	0	0
2026-07	0	0
2026-06	0	0
2026-05	0	0
2026-04	0	0
2026-03	0	0
2026-02	0	0
2026-01	0	0
2025-12	9.44K	2
2025-11	0	0

Institutional holders

Manager	% owned
ALLIANCEBERNSTEIN L.P.	9.87%
M3F, Inc.	4.44%
MALTESE CAPITAL MANAGEMENT LLC	3.98%
Truffle Hound Capital, LLC	3.10%
PL Capital Advisors, LLC	2.84%
DIMENSIONAL FUND ADVISORS LP	2.10%
GEODE CAPITAL MANAGEMENT, LLC	0.99%
VANGUARD CAPITAL MANAGEMENT LLC	0.97%
Stilwell Value LLC	0.62%
VANGUARD FIDUCIARY TRUST CO	0.48%

Funds

Fund	% owned
VANGUARD EXTENDED MARKET INDEX FUND	0.97%
U.S. SMALL CAP VALUE PORTFOLIO	0.70%
Fidelity Extended Market Index Fund	0.44%
U.S. MICRO CAP PORTFOLIO	0.39%
iShares Micro-Cap ETF	0.30%
Fidelity Total Market Index Fund	0.17%
U.S. CORE EQUITY 2 PORTFOLIO	0.17%
Ultra-Small Company Market Fund	0.16%
Dimensional U.S. Targeted Value ETF	0.14%
Schwab Total Stock Market Index Fund	0.14%

Dividends

per share

Ex date	Ordinary	Special
2026-11-11	0.1200	0.0000
2026-08-06	0.1000	0.0000
2026-05-07	0.1000	0.0000
2026-02-12	0.1000	0.0000
2025-11-13	0.0800	0.0000
2025-08-07	0.0800	0.0000
2025-05-14	0.0600	0.0000
2025-02-06	0.0600	0.0000
2024-12-06	0.0000	0.0400
2024-11-14	0.0500	0.0000
2024-08-08	0.0500	0.0000
2024-05-06	0.0500	0.0000
2024-02-06	0.0500	0.0000
2023-11-27	0.0000	0.0700
2023-11-08	0.0400	0.0000
2023-08-02	0.0300	0.0000
2023-05-03	0.0300	0.0000
2023-02-08	0.0300	0.0000
2022-11-25	0.0000	0.0800
2022-11-09	0.0300	0.0000
2022-08-03	0.0300	0.0000
2022-05-04	0.0300	0.0000
2022-02-09	0.0300	0.0000
2021-11-29	0.0000	0.1200

Period	Amount	Yield	Payout	Kind
2022FY	0.0900	0.72%	7.71%	paid
2023FY	0.1200	1.17%	10.00%	paid
2024FY	0.1900	1.54%	15.48%	paid
2025FY	0.2500	1.45%	15.98%	paid
2026FY	0.5000	2.62%	25.13%	paid

OakChart. MGYR. Cached 15 minutes.

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