Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+0.03%
$20.16
9% positive prob.
5-Day Prediction
-0.88%
$19.97
9% positive prob.
20-Day Prediction
-1.62%
$19.82
8% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q3 2026 | SELL | +0.03% | -0.88% | -1.62% | 82.7% | Pending |
| Q2 2026 | BUY | +0.78% | +2.71% | +5.67% | 100.0% | +8.70% |
| Q1 2026 | SELL | -0.22% | -1.02% | -1.88% | 100.0% | -0.68% |
| Q4 2025 | SELL | -0.22% | -1.02% | -1.88% | 100.0% | +4.64% |
SEC 8-K filings with transcript text
Oct 28, 2026 · 83% conf.
1D
+0.03%
$20.16
Act: +0.45%
5D
-0.88%
$19.97
20D
-1.62%
$19.82
2 ex99-1.htm
News
400 Somerset St., New Brunswick, NJ 08901
732.342.7600
New Brunswick, New Jersey, October 28, 2026 – Magyar Bancorp (NASDAQ: MGYR) (the “Company”), parent company of Magyar Bank, reported today the results of its operations for the three months and fiscal year ended September 30, 2026.
The Company reported a 31% increase in net income for the three months ended September 30, 2026 to $3.3 million compared with net income of $2.5 million for the three months ended September 30, 2025. The Company also reported a 29% increase in net income for the year ended September 30, 2026 to $12.6 million compared with $9.8 million for the year ended September 30, 2025.
The Company’s basic and diluted earnings per share were $0.53 and $0.52, respectively, for the three months ended September 30, 2026 compared with $0.41 and $0.40 for the three months ended September 30, 2025. The Company’s basic and diluted earnings per share were $2.02 and $1.99, respectively, for the year ended September 30, 2026 compared with $1.57 and $1.56 for the year ended September 30, 2025.
The Company also announced that its Board of Directors declared a quarterly cash dividend of $0.12 per share, which will be paid on November 24, 2026 to stockholders of record as of November 10, 2026.
“We are proud to announce another year of record earnings for Magyar Bancorp”, stated John Fitzgerald, President and Chief Executive Officer. “Despite a volatile interest rate environment, our business strategy produced a 35 basis point increase in our net interest margin from the prior year, driven by strong loan and deposit growth and prudent balance sheet management. As a result of our strong performance, we are pleased to announce the increase to our quarterly dividend to $0.12 per share. This is Magyar Bancorp’s second increase in the dividend this fiscal year. As we look ahead into 2027, we feel the Bank is well positioned to continue our strong performance.”
Results of Operations
Net income increased by $777 thousand, or 30.8%, to $3.3 million for the three-month period ended September 30, 2026 from $2.5 million for the three months ended September 30, 2025 driven by higher net interest income. Net income increased by $2.8 million, or 28.7%, to $12.6 million during the year ended September 30, 2026 compared with $9.8 million for the year ended September 30, 2025 from higher net interest income, partially offset by higher provisions for credit loss, lower other income, higher other expenses and higher income tax expense.
Net interest and dividend income increased $1.6 million, or 18.5%, to $10.0 million for the three months ended September 30, 2026 from $8.4 million for the three months ended September 30, 2025. The increase is attributable to a 37 basis points increase in the Company’s net interest margin to 3.84% for the three months ended September 30, 2026 from 3.47% for the three months ended September 30, 2025 as well as a $44.4 million increase in net interest-earning assets between the periods.
Interest and dividend income increased by $1.4 million, or 9.9%, to $15.7 million for the three months ended September 30, 2026 from $14.3 million for the three months ended September 30, 2025. Between these periods the Company grew the average balance of its interest-earning assets by $70.3 million, or 7.3%, to $1.029 billion, while the yield on such assets increased by 14 basis points to 6.05% for the three months ended September 30, 2026 from 5.91% for the prior year period. The increase in yield on the Company’s assets was attributable to higher interest income on loan originations and on adjustable-rate commercial term loans repricing to higher market interest rates.
Interest expense decreased by $141 thousand, or 2.4%, to $5.8 million for the three months ended September 30, 2026 from $5.9 million for the three months ended September 30, 2025. The average balance of interest-bearing liabilities increased $26.0 million, or 3.4%, between the two periods while the cost of such liabilities decreased by 18 basis points to 2.92% for the three months ended September 30, 2026 compared with 3.10% for the prior year period. Lower short-term market interest rates were primarily responsible for the lower cost of the Company’s interest-bearing liabilities.
During the year ended September 30, 2026, net interest and dividend income increased $5.6 million, or 17.5%, to $37.5 million compared with $31.9 million for the year ended September 30, 2025. The Company’s net interest margin increased by 35 basis points to 3.69% for the year ended September 30, 2026 compared to 3.34% for the year ended September 30, 2025.
The average balance of interest-earning assets increased
by $61.6 million, or 6.5%, to $1.016 billion from $954.6 million, while the yield on such assets increased by 22 basis points to 5.95% f
Jul 23, 2026 · 100% conf.
1D
+0.78%
$17.62
Act: +4.66%
5D
+2.71%
$17.95
Act: +8.70%
20D
+5.67%
$18.47
2 ex99-1.htm
News
400 Somerset St., New Brunswick, NJ 08901
732.342.7600
New Brunswick, New Jersey, July 23, 2026 – Magyar Bancorp (NASDAQ: MGYR) (“Company”), parent company of Magyar Bank, reported today the results of its operations for the three and nine months ended June 30, 2026.
The Company reported a 25% increase in its net income for the three months ended June 30, 2026, to $3.1 million compared with net income of $2.5 million for the three months ended June 30, 2025. Net income for the nine months ended June 30, 2026 was $9.3 million compared with net income of $7.2 million for the nine months ended June 30, 2025.
Basic and diluted earnings per share were $0.50 and $0.49, respectively, for the three months ended June 30, 2026 compared with $0.40 and $0.40, respectively, for the three months ended June 30, 2025. Basic and diluted earnings per share were $1.49 and $1.47, respectively, for the nine months ended June 30, 2026 compared with $1.16 and $1.16, respectively, for the nine months ended June 30, 2025.
The Company also announced that its Board of Directors approved a quarterly cash dividend of $0.10 per share, which will be paid on August 20, 2026 to stockholders of record as of August 6, 2026.
“We are pleased to report another strong performance for our fiscal third quarter,” stated John Fitzgerald, President and Chief Executive Officer of Magyar Bancorp. “Despite market volatility and inflationary pressures, Magyar Bank’s net interest margin increased 30 basis points compared to the June 30, 2025 quarter. This increase helped produce a 25% increase in net income for the quarter ending June 30, 2026, compared to June 30, 2025. In addition, during the third quarter, Magyar was recognized by Keefe Bruyette & Woods in their 2026 Honor Roll, comprised of elite, high performing banks with consistent earnings growth over the past decade. This is the third consecutive year Magyar has received this honor. We believe the Company is well positioned to continue to produce solid results as we head into the final quarter of our fiscal year.”
Results of Operations for the Three Months Ended June 30, 2026
Net income increased by $623 thousand, or 25.2%, to $3.1 million during the three-month period ended June 30, 2026 compared with $2.5 million during the three-month period ended June 30, 2025, from higher net interest income and other income, partially offset by higher provisions for credit loss, other expenses and income tax expense.
The Company’s net interest and dividend income increased by $1.2 million, or 15.2%, to $9.4 million for the quarter ended June 30, 2026 from the quarter ended June 30, 2025. The increase was attributable to a 30-basis point increase in the Company’s net interest margin to 3.65% for the three months ended June 30, 2026 from 3.35% for the three months ended June 30, 2025, as well as a $57.0 million increase in the average balance of interest-earning assets between the periods.
Interest and dividend income increased by $1.3 million, or 9.0%, to $15.3 million for the three months ended June 30, 2026 compared with $14.0 million for the three months ended June 30, 2025. The increase was attributable to a 17-basis point increase in the yield on interest-earning assets to 5.91% for the three months ended June 30, 2026 from 5.74% for the three months ended June 30, 2025, as well as a $51.9 million, or 6.3%, increase in the average balance of net loans receivable between the periods.
Interest expense increased by $23 thousand, or 0.4%, to $5.8 million for the three months ended June 30, 2026 from the three months ended June 30, 2025. An eight-basis point decrease in the cost of interest-bearing liabilities to 2.94% for the three months ended June 30, 2026 compared with 3.02% for the three months ended June 30, 2025 was offset by a $24.3 million, or 3.1%, increase in the average balance of interest-bearing liabilities between the periods.
The Company recorded a net provision for credit losses totaling $351 thousand for the three months ended June 30, 2026 compared with a net provision for credit losses totaling $101 thousand for the three months ended June 30, 2025. The increase resulted from growth in commercial real estate loans, partially offset by lower one-to-four family mortgage loans, lower construction loan commitments and improving economic data used to determine the Bank’s expected credit losses. The Company recorded $295 thousand in net loan charge-offs during the three months ended June 30, 2026 compared with $3 thousand in net loan recoveries during the three months ended June 30, 2025. During the three months ended June 30, 2026 the Company recorded a $300 thousand charge-off related to unique circumstances involving one construction loan relationship.
Other income increased by $180 thousand, or 28.3%, to $816 thousand during the three months ended June 30,
Apr 23, 2026 · 100% conf.
1D
-0.22%
$17.48
Act: +1.31%
5D
-1.02%
$17.34
Act: -0.68%
20D
-1.88%
$17.19
Act: -1.26%
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This page provides Magyar Bancorp Inc. (MGYR) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on MGYR's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.