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Magyar Bancorp, Inc (MGYR) Fair Value & Analysis

Financial Services · US · Market cap $117M

Price$17.83
Fair Value$19.63
Upside+10.1%
Quality95/100
Evidence: High Range $14.72 – $24.54

Fair value as of: Jun 26, 2026

Analysis

Magyar Bancorp, Inc (MGYR) currently trades at $17.83, while our model-based Fair Value estimate is $19.63 — implying the stock looks roughly 10.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States. It accepts various deposit accounts, including demand, savings, NOW, money market, and retirement accounts, as well as certificates of deposit. The company provides one-to four-family residential mortgage loans, multi-family and commercial real estate mortgage loans, home equity loans and lines of credit, commercial business loans, and construction loans, as well as small business administration loans. In addition, it offers non-deposit investment products and financial planning services, including insurance products, fixed and variable annuities, and retirement planning for individual and commercial customers; and buys, sells, and holds investment securities. Magyar Bancorp, Inc. was founded in 1922 and is headquartered in New Brunswick, New Jersey.

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Frequently asked questions

Is Magyar Bancorp, Inc (MGYR) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $19.63 versus a price of $17.83 — about +10% (undervalued). Model-based estimate, not financial advice.
What is the fair value of MGYR?
Our 21-model fair value for Magyar Bancorp, Inc is $19.63 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.83.
What is the quality score of MGYR?
Magyar Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.