Magyar Bancorp, Inc. cash flow to debt ratio of 21.18% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Magyar Bancorp, Inc.'s free cash flow has increased 78.26% from $5.51M last year to $9.81M, signaling increasing performance

Magyar Bancorp, Inc.'s debt to equity ratio is 0.40, which means that the company's assets are healthy financed, signaling financial stability.

Magyar Bancorp, Inc.'s debt has increased relative to shareholder equity from 0.26 last year to 0.40 today, signaling weakened financials

Magyar Bancorp, Inc. has a net debt to EBITDA ratio of 1.77x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Magyar Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Magyar Bancorp, Inc.'s profit margin has increased (26.52%) in the last year from 14.93% to 18.89%, signaling increasing performance

Magyar Bancorp, Inc.'s short-term liabilities of $815.28M exceed its short-term assets of $28.78M, signaling financial risk

Magyar Bancorp, Inc.'s return on assets of 1.10% is lower than the 5.00% threshold, indicating inefficient asset utilization

Magyar Bancorp, Inc.'s return on equity of 9.80%, is lower than 15.00%, indicating bad performance

Magyar Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Magyar Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Magyar Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Magyar Bancorp, Inc. has a free cash flow yield of 7.96%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Magyar Bancorp, Inc.'s yearly earnings has increased 25.40% since last year from $7.78M to $9.76M, signaling increasing performance

Magyar Bancorp, Inc.'s yearly revenue has increased 12.08% since last year from $52.12M to $58.42M, signaling increasing performance

ROIC 6.24% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Magyar Bancorp, Inc.'s 3-year revenue CAGR of 21.94% is positive, indicating growing revenue over the past 3 years

Magyar Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Magyar Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Magyar Bancorp, Inc. is undervalued relative to its fair value price of 20.42 based on Discounted Cash Flow model

Magyar Bancorp, Inc. has an earnings yield of 9.98%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Magyar Bancorp, Inc. is overvalued relative to its fair value price of 9.46 based on EBITDA multiple model

Magyar Bancorp, Inc. has an EV/EBITDA ratio of 10.13x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Magyar Bancorp, Inc. is undervalued relative to its fair value price of 42.79 based on Earnings Fair Value model

Magyar Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

Magyar Bancorp, Inc. has a price-to-book ratio of 0.95x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Magyar Bancorp, Inc. has a price-to-sales ratio of 1.89x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue