All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2023-02-27.
From the record
Magyar Bancorp, Inc.'s filings since 2017 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2023-02-27) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+11.6% a year over 10 filed years; profitable in 5 of 5.
From the record
Magyar Bancorp, Inc.'s 10 filed years say what it did: revenue went from $20 million in fiscal 2016 to $55 million in fiscal 2025, up 11.6% a year; it rose in 8 of 9 years; the deepest fall was 1% from fiscal 2019 to fiscal 2020; net income was positive in 5 of 5 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 2.7% a year. 14% of cash flow returned. Insiders: 0 sales, 3 purchases.
From the record
Over the 3 fiscal years to 2025-09-30, Magyar Bancorp, Inc.'s diluted share count shrank about 2.7% a year, and dividends and buybacks returned about 14% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 3 purchases of their own stock on the open market in the year to 2026-09-30, buying about $9 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 8%: 8¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-09-30, Magyar Bancorp, Inc. earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count shrank 1.6% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 42% of 31 in its family; net margin 17.8%.
From the record
Magyar Bancorp, Inc.'s standing among 31 graded names in its industry family: revenue of $55 million in fiscal 2025 ranks in the bottom 24% by size; a net margin of 17.8% ranks in the top 37%; revenue growth of 22.8% a year over the last 3 filed years ranks in the top 15% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 17% of 25 in its family for leadership; chief executive since 2010.
From the record
Magyar Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Fitzgerald, John S (President and CEO, as filed), filing under that title since 2010-01-29, 16.8 years (top 11% of its family); the 6 officers and directors filing in the last fifteen months have been on the record a median of 20.8 years (top 2%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 6 people in charge now (top 37%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 30% of 25 in its family for room to expand.
From the record
Magyar Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $7 million against debt of $49 million leaves -4.2% of its assets as net cash, bottom 13% of its family; cash from operations less capital spending is 17.9% of revenue (bottom 48%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 27% of 30 in its family for growth drivers.
From the record
Magyar Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 22.8% a year over the last three filed years against 11.6% over all 10, speeding up (top 18% of its family); the newest year grew 12.6% (top 22%); capital spending grew 8.1% a year (top 40%) (its annual reports). Magyar Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 44% of 29 in its family for expectations against reality.
From the record
Magyar Bancorp, Inc.'s newest year against its own record: revenue of $55 million in fiscal 2025 came in 12.2% below the $62 million its prior three years' pace pointed to (top 47% of its family); net income of $10 million against a prior three-year average of $8 million (top 47%); a net margin of 17.8% against 21% before (bottom 26%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made