MGYR Magyar Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 13, 2026
$19.32
· of 52w range
· above low
· to high
$16.0352w low
$20.0052w high
Market Cap (MRQ)
$125M
P/E
12.4
EPS
$1.56
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52W Range
$16–$20
Analyst Rating
·
Price Target
·
P/E
12.4
ROE
8.4%
Net Profit Margin
30.6%
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MGYR Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$19.32
Market Cap (MRQ)
$125M
P/E
12.4
EPS
$1.56
Div Yield
1.5%
ROE
8.4%
52W Range
$16–$20
MGYR Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| July 15, 2021 | 1221-for-1000 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$1.562016-09-30 → 2025-09-30
Free Cash Flow$10M2016-09-30 → 2025-09-30
Net margin30.6%2016-09-30 → 2025-09-30
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | MGYR | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 12.45Y avg ≈10.3 | ≈10.3 | 10.8 | Undervalued | |
| P/S | 3.95Y avg ≈2.8 | ≈2.8 | 3.9 | Undervalued | |
| P/B (MRQ) | 1.05Y avg ≈0.8 | ≈0.8 | 1.0 | Undervalued | |
| Price / FCF (TTM) | 8.85Y avg ≈10.3 | ≈10.3 | · | · | |
| Price / Cash Flow (TTM) | 8.35Y avg ≈9.6 | ≈9.6 | 10.8 | Fair value | |
| Price / Tangible Book | 1.15Y avg ≈0.8 | ≈0.8 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | MGYR | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 43.3%5Y avg ≈37.2% | ≈37.2% | 40.3% | In line | |
| Net Profit Margin | 30.6%5Y avg ≈26.3% | ≈26.3% | 31.2% | In line | |
| ROA | 1.0%5Y avg ≈0.91% | ≈0.91% | 0.94% | Top tier | |
| ROE | 8.4%5Y avg ≈7.7% | ≈7.7% | 8.3% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | MGYR | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 14.0%5Y avg ≈7.2% | ≈7.2% | · | · | |
| Revenue CAGR 3Y | 2.4%5Y avg ≈3.6% | ≈3.6% | · | · | |
| Revenue CAGR 5Y | 6.6% | · | · | · | |
| EPS YoY | 26.8%5Y avg ≈11.9% | ≈11.9% | · | · | |
| Net Income YoY | 25.4%5Y avg ≈46.5% | ≈46.5% | · | · | |
| EPS CAGR 3Y | 10.1% | · | · | · | |
| Net Income CAGR 3Y | 7.2%5Y avg ≈22.6% | ≈22.6% | · | · | |
| Net Income CAGR 5Y | 34.8% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | MGYR | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.5%
Payout Ratio18.7%
Annualized Payout≈$0.40
Growth Streak≈2
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 6, 2026 | $0.10 | USD | ≈2.0% |
| May 7, 2026 | $0.10 | USD | ≈2.0% |
| Feb 12, 2026 | $0.10 | USD | ≈1.7% |
| Nov 13, 2025 | $0.08 | USD | ≈1.7% |
| Aug 7, 2025 | $0.08 | USD | ≈1.7% |
| May 14, 2025 | $0.06 | USD | ≈1.8% |
| Feb 6, 2025 | $0.06 | USD | ≈1.7% |
| Dec 6, 2024 | $0.04 | USD | ≈1.7% |
| Nov 14, 2024 | $0.05 | USD | ≈1.6% |
| Aug 8, 2024 | $0.05 | USD | ≈2.1% |
| May 6, 2024 | $0.05 | USD | ≈2.2% |
| Feb 7, 2024 | $0.05 | USD | ≈1.9% |
| Nov 27, 2023 | $0.07 | USD | ≈2.9% |
| Nov 8, 2023 | $0.04 | USD | ≈2.2% |
| Aug 2, 2023 | $0.03 | USD | ≈1.8% |
| May 3, 2023 | $0.03 | USD | ≈2.0% |
| Feb 8, 2023 | $0.03 | USD | ≈1.5% |
| Nov 28, 2022 | $0.08 | USD | ≈2.5% |
| Nov 9, 2022 | $0.03 | USD | ≈1.9% |
| Aug 3, 2022 | $0.03 | USD | ≈1.7% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 28, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| Sept. 30, 2026 | Oct 28, 2026 | $0.49 | — | — |
| Dec. 31, 2025 | $0.40 | — | — | |
| June 30, 2025 | $0.43 | — | — | |
| March 31, 2025 | $0.33 | — | — | |
| March 31, 2023 | $0.28 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $10M | $2M | $3M | $6M | $7M | $5M | $4M | $4M | $3M | $3M | |
| Interest Income | $55M | $49M | $38M | $30M | $29M | $27M | $27M | $24M | $22M | $20M | $19M | $20M | |
| Other Non-op | $-21M | $-20M | $-19M | · | · | · | · | · | · | · | · | · | |
| Pretax Income | $14M | $11M | $11M | $11M | $9M | $3M | $4M | $4M | $2M | $2M | $1M | $759.0K | |
| Income Tax | $4M | $3M | $3M | $3M | $3M | $921.0K | $1M | $1M | $994.0K | $664.0K | $413.0K | $185.0K | |
| Net Income | $10M | $8M | $8M | $8M | $6M | $2M | $3M | $2M | $1M | $1M | $897.0K | $574.0K | |
| EPS (Basic) | $1.57 | $1.23 | $1.20 | $1.17 | $1.01 | · | · | $0.35 | $0.24 | $0.19 | $0.15 | $0.10 | |
| EPS (Diluted) | $1.56 | $1.23 | $1.20 | $1.17 | $1.01 | · | · | $0.35 | $0.24 | $0.19 | $0.15 | $0.10 | |
| Shares (Basic) | 6,221,921 | 6,341,610 | 6,424,796 | 6,781,659 | 6,037,499 | · | · | 5,820,746 | 5,820,746 | 5,820,563 | 5,818,712 | 5,814,960 | |
| Shares (Diluted) | 6,239,678 | 6,341,610 | 6,424,796 | 6,781,659 | 6,037,499 | · | · | 5,820,746 | 5,820,746 | 5,820,563 | 5,818,927 | 5,815,894 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $7M | $26M | $73M | $31M | $75M | $62M | $21M | $15M | $22M | $22M | $18M | $10M | |
| Short-term Investments | · | · | · | · | · | $6M | $7M | · | · | · | · | · | |
| PP&E (Net) | $12M | $13M | $13M | $14M | $14M | $15M | $16M | $17M | $18M | $18M | $18M | $19M | |
| PP&E (Gross) | $30M | $30M | $30M | $29M | $29M | $29M | $30M | $30M | $29M | $29M | $28M | $28M | |
| Accum. Depreciation | $18M | $17M | $16M | $16M | $15M | $14M | $13M | $13M | $12M | $11M | $10M | $9M | |
| Total Assets | $998M | $952M | $907M | $799M | $774M | $754M | $630M | $624M | $603M | $584M | $551M | $530M | |
| Total Liabilities | $879M | $841M | $803M | $700M | $676M | $697M | $576M | $573M | $554M | $537M | $504M | $484M | |
| Long-term Debt | $49M | $29M | $30M | · | · | · | · | · | · | · | · | · | |
| Common Stock | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $59.0K | $59.0K | $59.0K | $59.0K | $59.0K | $59.0K | $59.0K | |
| Paid-in Capital | $63M | $63M | $63M | $64M | · | · | · | · | · | · | · | · | |
| Retained Earnings | $67M | $59M | $52M | $46M | $39M | $33M | $31M | $28M | $26M | $24M | $23M | $22M | |
| Treasury Stock | $8M | $7M | $5M | $6M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| AOCI | $-523.0K | $-916.0K | $-2M | $-2M | $-947.0K | $-1M | $-1M | $-1M | $-1M | $-1M | $-999.0K | $-716.0K | |
| Stockholders' Equity | $119M | $111M | $105M | $99M | $98M | $57M | $55M | $51M | $49M | $48M | $47M | $46M | |
| Liabilities + Equity | $998M | $952M | $907M | $799M | $774M | $754M | $630M | $624M | $603M | $584M | $551M | $530M | |
| Shares Outstanding | 6,480,028 | 6,509,358 | 6,674,184 | 6,745,128 | 7,097,825 | 5,810,746 | 5,820,746 | 5,820,746 | 5,820,746 | 5,820,746 | 5,819,494 | 5,815,444 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $621.0K | $646.0K | $664.0K | $6.0K | · | · | · | · | · | $3.0K | $12.0K | $18.0K | |
| Deferred Tax | $-348.0K | $-106.0K | $-615.0K | $87.0K | · | · | · | · | $997.0K | $605.0K | $403.0K | $170.0K | |
| Operating Cash Flow | $10M | $6M | $8M | $11M | $9M | $814.0K | $6M | $5M | $4M | $9M | $13M | $6M | |
| CapEx | $574.0K | $812.0K | · | $3M | · | $147.0K | $53.0K | $284.0K | $299.0K | $184.0K | $83.0K | $138.0K | |
| Investing Cash Flow | $-64M | $-90M | $-66M | $-70M | $-8M | $-80M | $-405.0K | $-30M | $-22M | $-36M | · | $-7M | |
| Debt Issued | $24M | $3M | $19M | $3M | · | $42M | $10M | $9M | $865.0K | $7M | $11M | $7M | |
| Net Debt Issued | $20M | $-947.0K | $14M | $-8M | $-44M | $31M | $665.0K | $4M | $-4M | $4M | $6M | $-2M | |
| Stock Issued | · | · | · | · | $37M | · | · | · | · | · | · | · | |
| Net Stock Activity | · | · | · | · | $37M | · | · | · | · | · | · | · | |
| Dividends Paid | $2M | $2M | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $35M | $37M | $99M | $14M | $12M | $119M | $717.0K | $19M | $19M | $31M | · | $-6M | |
| Net Change in Cash | · | $-47M | $42M | $-44M | $13M | $40M | $6M | $-7M | $528.0K | $4M | $8M | $-8M | |
| Taxes Paid | $6M | $3M | $3M | $3M | $3M | $2M | $1M | $1M | $36.0K | $4.0K | $14.0K | $9.0K | |
| Free Cash Flow | $10M | · | · | $8M | $9M | $667.0K | $6M | $4M | $3M | $14M | $12M | $5M | |
| Levered FCF | · | · | · | $6M | $7M | $-3M | $1M | $2M | $1M | $12M | $10M | $3M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 30.6% | 27.8% | 25.4% | 26.6% | 21.1% | 9.5% | 13.3% | 9.3% | 7.0% | 5.7% | 4.9% | 3.6% | |
| Pretax Margin | 43.3% | 39.7% | 35.3% | 37.6% | 30.1% | 13.5% | 18.9% | 16.0% | 12.0% | 9.2% | 7.2% | 4.7% | |
| ROA | 1.0% | 0.84% | 0.90% | 1.0% | 0.80% | 0.32% | 0.48% | 0.33% | 0.24% | 0.19% | 0.17% | 0.11% | |
| ROE | 8.4% | 7.1% | 7.4% | 7.9% | 7.7% | 3.9% | 5.5% | 4.0% | 2.9% | 2.3% | 1.9% | 1.2% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $18.34 | $16.98 | $15.70 | $14.60 | $13.76 | $9.78 | $9.39 | $8.82 | $8.50 | $8.20 | $8.02 | $7.90 | |
| Revenue / Share | $5.11 | $4.41 | $4.73 | $4.38 | · | · | · | $3.75 | $3.47 | $3.28 | $3.13 | $2.76 | |
| Cash Flow / Share | $1.67 | $1.00 | $1.32 | $1.65 | · | · | · | $0.79 | $0.62 | $2.42 | $2.15 | $0.96 | |
| Cash / Share | $1.09 | $3.93 | $10.87 | $4.59 | $10.59 | $10.62 | $3.69 | $2.64 | $3.84 | $3.75 | $3.11 | $1.76 | |
| Dividend Paid / Share | $0.29 | $0.26 | $0.20 | $0.21 | · | · | · | · | · | · | · | · | |
| EPS (TTM) | $1.56 | $1.23 | $1.20 | $1.17 | $1.01 | $0.36 | $0.47 | $0.35 | $0.24 | $0.19 | $0.15 | $0.10 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 14.0% | -8.0% | 2.3% | 2.5% | 25.4% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 2.4% | -1.2% | 9.6% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 6.6% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 26.8% | 2.5% | 2.6% | 15.8% | · | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 10.1% | 6.8% | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 25.4% | 0.96% | -2.6% | 29.4% | 179.4% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 7.2% | 8.3% | 52.1% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 34.8% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $32M | $28M | $30M | $30M | $29M | $23M | $23M | $22M | $20M | $19M | $18M | $18M | |
| Net Income TTM | $10M | $8M | $8M | $8M | $6M | $2M | $3M | $2M | $1M | $1M | $897.0K | $574.0K | |
| Market Cap | $112M | $80M | $68M | $84M | $81M | $40M | $56M | $58M | $58M | $48M | $47M | $40M | |
| P/E | 11.1 | 10.0 | 8.5 | 10.6 | 11.3 | 19.0 | 20.4 | 28.5 | 41.8 | 43.5 | 53.5 | 69.6 | |
| P/S | 3.5 | 2.9 | 2.2 | 2.8 | 2.8 | 1.7 | 2.5 | 2.7 | 2.9 | 2.5 | 2.6 | 2.3 | |
| P/B | 0.9 | 0.7 | 0.7 | 0.9 | 0.8 | 0.7 | 1.0 | 1.1 | 1.2 | 1.0 | 1.0 | 0.9 | |
| P / Tangible Book | 0.9 | 0.7 | 0.7 | 0.9 | 0.8 | 0.7 | · | · | · | · | · | · | |
| P / Cash Flow | 10.8 | 12.7 | 8.1 | 7.5 | 8.8 | 48.8 | 9.7 | 12.5 | 16.2 | 3.4 | 3.7 | 7.3 | |
| P / FCF | 11.4 | · | · | 10.2 | 9.2 | 59.5 | 9.7 | 13.4 | 17.7 | 3.5 | 3.8 | 7.5 | |
| Dividend Yield | 1.6% | 2.1% | · | · | · | · | · | · | · | · | · | · | |
| Earnings Yield | 9.0% | 10.0% | 11.7% | 9.4% | 8.8% | 5.3% | 4.9% | 3.5% | 2.4% | 2.3% | 1.9% | 1.4% | |
| Payout Ratio | 18.7% | · | · | · | · | · | · | · | · | · | · | · | |
| Annual Payout | $2M | $2M | · | · | · | · | · | · | · | · | · | · |
Income Statement
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $5M | $4M | · | $3M | $2M | $2M | $876.0K | |
| Interest Income | $15M | $15M | $15M | $14M | $14M | $14M | $13M | $13M | $12M | $12M | $12M | $11M | $10M | $9M | $9M | $8M | |
| Other Non-op | $-6M | $-6M | $-5M | $-5M | $-5M | $-5M | $-5M | $-5M | $-5M | $-5M | $-5M | · | · | · | · | · | |
| Pretax Income | $4M | $4M | $4M | $4M | $3M | $4M | $3M | $4M | $2M | $2M | $2M | $3M | $3M | $3M | $3M | $3M | |
| Income Tax | $1M | $1M | $1M | $1M | $1M | $1M | $805.0K | $2M | $501.0K | $526.0K | $700.0K | $674.0K | $788.0K | $790.0K | $780.0K | $1M | |
| Net Income | $3M | $3M | $3M | $3M | $2M | $3M | $2M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| EPS (Basic) | $0.50 | $0.49 | $0.51 | $0.40 | $0.40 | $0.43 | $0.34 | $0.40 | $0.27 | $0.30 | $0.26 | $0.34 | $0.30 | $0.28 | $0.28 | $0.36 | |
| EPS (Diluted) | $0.49 | $0.48 | $0.50 | $0.40 | $0.40 | $0.43 | $0.33 | $0.40 | $0.27 | $0.30 | $0.26 | $0.34 | $0.30 | $0.28 | $0.28 | $0.36 | |
| Shares (Basic) | 6,216,821 | 6,221,123 | 6,214,262 | · | 6,217,639 | 6,222,951 | 6,232,069 | · | 6,336,702 | 6,372,034 | 6,387,010 | · | 6,412,536 | 6,431,471 | 6,456,525 | · | |
| Shares (Diluted) | 6,287,533 | 6,293,873 | 6,275,582 | · | 6,232,247 | 6,225,134 | 6,236,017 | · | 6,336,702 | 6,372,034 | 6,387,010 | · | 6,412,536 | 6,432,052 | 6,459,446 | · |
Balance Sheet
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $11M | $48M | $34M | $7M | $7M | $73M | $59M | $26M | $49M | $50M | $51M | $73M | $22M | $25M | $8M | $31M | |
| PP&E (Net) | $12M | $12M | $12M | $12M | $12M | $13M | $13M | $13M | $12M | $12M | $13M | $13M | $13M | $14M | $14M | $14M | |
| PP&E (Gross) | · | · | · | $30M | · | · | · | $30M | · | · | · | $30M | · | · | · | $29M | |
| Accum. Depreciation | · | · | · | $18M | · | · | · | $17M | · | · | · | $16M | · | · | · | $16M | |
| Total Assets | $1.05B | $1.07B | $1.05B | $998M | $987M | $1.02B | $1.01B | $952M | $944M | $929M | $917M | $907M | $857M | $840M | $822M | $799M | |
| Total Liabilities | $922M | $944M | $924M | $879M | $871M | $908M | $897M | $841M | $835M | $821M | $810M | $803M | $755M | $739M | $722M | $700M | |
| Long-term Debt | $49M | $49M | $49M | $49M | $36M | $34M | $30M | $29M | · | · | · | $30M | · | · | · | · | |
| Common Stock | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | $71.0K | |
| Paid-in Capital | $64M | $64M | $64M | $63M | $64M | $63M | $63M | $63M | $63M | $63M | $63M | $63M | $63M | · | · | $64M | |
| Retained Earnings | $74M | $72M | $69M | $67M | $65M | $62M | $60M | $59M | $56M | $55M | $53M | $52M | $50M | $48M | $47M | $46M | |
| Treasury Stock | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $7M | $6M | $6M | $6M | $5M | $5M | $7M | $6M | $6M | |
| AOCI | $-443.0K | $-471.0K | $-425.0K | $-523.0K | $-810.0K | $-897.0K | $-1M | $-916.0K | $-1M | $-1M | $-1M | $-2M | $-2M | $-2M | $-2M | $-2M | |
| Stockholders' Equity | $127M | $124M | $122M | $119M | $116M | $114M | $112M | $111M | $109M | $108M | $107M | $105M | $103M | $101M | $100M | $99M | |
| Liabilities + Equity | $1.05B | $1.07B | $1.05B | $998M | $987M | $1.02B | $1.01B | $952M | $944M | $929M | $917M | $907M | $857M | $840M | $822M | $799M | |
| Shares Outstanding | 6,457,203 | 6,469,103 | 6,477,991 | 6,480,028 | 6,450,948 | 6,473,872 | 6,479,621 | 6,509,358 | 6,588,556 | 6,602,439 | 6,654,952 | 6,674,184 | 6,668,572 | 6,689,790 | 6,742,934 | 6,745,128 |
Cash Flow
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $155.0K | $155.0K | $155.0K | $155.0K | $156.0K | $149.0K | $161.0K | $162.0K | $161.0K | $162.0K | $161.0K | $162.0K | $161.0K | $161.0K | $180.0K | · | |
| Deferred Tax | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $1.0K | |
| Operating Cash Flow | $5M | $3M | $4M | $3M | $2M | $2M | $3M | $855.0K | $2M | $553.0K | $3M | $4M | $343.0K | $3M | $1M | $5M | |
| CapEx | $462.0K | $329.0K | $4.0K | $52.0K | $45.0K | $102.0K | $375.0K | $418.0K | $141.0K | $125.0K | $128.0K | · | · | · | · | $0 | |
| Investing Cash Flow | $-16M | $-9M | $-21M | $-9M | $-32M | $616.0K | $-24M | $-29M | $-17M | $-13M | $-31M | $1M | $-21M | $-244.0K | $-46M | $-3M | |
| Debt Issued | · | · | · | $15M | $2M | $5M | $2M | $0 | $2M | $0 | $2M | $2M | $4M | $10M | $3M | · | |
| Net Debt Issued | · | · | · | · | · | · | $2M | · | · | · | $-719.0K | · | · | · | $3M | · | |
| Dividends Paid | · | · | · | $501.0K | · | · | · | $318.0K | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $-25M | $19M | $44M | $6M | $-36M | $11M | $54M | $5M | $14M | $11M | $7M | $45M | $18M | $15M | $22M | $3M | |
| Net Change in Cash | · | · | · | · | · | · | · | · | $-942.0K | $-1M | $-21M | $50M | $-3M | $18M | $-23M | $5M | |
| Taxes Paid | · | · | · | $2M | $2M | · | · | $600.0K | $700.0K | · | · | $455.0K | $950.0K | · | · | $960.0K | |
| Free Cash Flow | · | · | $4M | · | · | · | $3M | · | · | · | · | · | · | · | · | · |
Profitability
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.8% | 32.8% | 35.4% | · | 30.2% | 34.0% | 28.0% | · | 23.5% | 25.1% | 21.0% | · | 25.5% | 23.7% | 24.2% | · | |
| Pretax Margin | 46.2% | 46.2% | 48.3% | · | 42.5% | 47.9% | 38.8% | · | 30.5% | 32.1% | 29.9% | · | 36.0% | 34.1% | 34.6% | · | |
| ROA | 0.30% | 0.29% | 0.31% | · | 0.26% | 0.27% | 0.22% | · | 0.19% | 0.21% | 0.19% | · | 0.23% | 0.22% | 0.23% | · | |
| ROE | 2.5% | 2.5% | 2.7% | · | 2.2% | 2.4% | 1.9% | · | 1.6% | 1.8% | 1.6% | · | 1.9% | 1.8% | 1.8% | · |
Efficiency
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $19.61 | $19.19 | $18.79 | · | $18.03 | $17.65 | $17.23 | · | $16.55 | $16.30 | $16.01 | · | $15.41 | $15.12 | $14.82 | · | |
| Revenue / Share | $1.50 | $1.47 | $1.41 | · | $1.31 | $1.27 | $1.19 | · | $1.14 | $1.18 | $1.23 | · | $1.17 | $1.18 | $1.16 | · | |
| Cash Flow / Share | · | · | $0.59 | · | · | · | $0.47 | · | · | · | $0.50 | · | · | · | $0.21 | · | |
| Cash / Share | $1.78 | $7.36 | $5.27 | · | $1.09 | $11.27 | $9.03 | · | $7.44 | $7.57 | $7.68 | · | $3.36 | $3.80 | $1.17 | · | |
| Dividend Paid / Share | $0.10 | $0.10 | $0.08 | $0.08 | $0.06 | $0.06 | $0.09 | $0.05 | $0.05 | $0.05 | $0.11 | $0.03 | $0.03 | $0.03 | $0.11 | $0.03 | |
| EPS (TTM) | $1.87 | $1.78 | $1.73 | · | $1.56 | $1.43 | $1.30 | · | $1.17 | $1.20 | $1.18 | · | $1.22 | $1.23 | $1.20 | · |
Valuation (TTM)
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $36M | $35M | $33M | · | $31M | $30M | $29M | · | $30M | $30M | $30M | · | $31M | $31M | $30M | · | |
| Net Income TTM | $12M | $11M | $11M | · | $10M | $9M | $8M | · | $7M | $8M | $8M | · | $8M | $8M | $8M | · | |
| Market Cap | $113M | $112M | $112M | · | $108M | $90M | $95M | · | $74M | $73M | $75M | · | $69M | $71M | $86M | · | |
| P/E | 9.3 | 9.7 | 10.0 | · | 10.7 | 9.7 | 11.2 | · | 9.6 | 9.3 | 9.5 | · | 8.5 | 8.6 | 10.7 | · | |
| P/S | 3.1 | 3.2 | 3.4 | · | 3.5 | 3.0 | 3.2 | · | 2.5 | 2.5 | 2.5 | · | 2.3 | 2.3 | 2.9 | · | |
| P/B | 0.9 | 0.9 | 0.9 | · | 0.9 | 0.8 | 0.8 | · | 0.7 | 0.7 | 0.7 | · | 0.7 | 0.7 | 0.9 | · | |
| P / Tangible Book | 0.9 | 0.9 | 0.9 | · | 0.9 | 0.8 | 0.8 | · | 0.7 | 0.7 | 0.7 | · | 0.7 | 0.7 | 0.9 | · | |
| P / Cash Flow | · | · | 30.5 | · | · | · | 32.5 | · | · | · | 23.2 | · | · | · | 64.8 | · | |
| Earnings Yield | 10.7% | 10.3% | 10.0% | · | 9.4% | 10.3% | 8.9% | · | 10.4% | 10.8% | 10.5% | · | 11.8% | 11.6% | 9.4% | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Net Income | $10M | $8M | $8M | $8M | $6M |
| Diluted EPS | $1.56 | $1.23 | $1.20 | $1.17 | $1.01 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $10M | · | · | $8M | $9M |
Institutional owners (13F) 24 filers · $32.3M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
24
Value held
$32.3M
New positions
1
Exited positions
2
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 1 (-4 vs prior Q) | 2 (-2 vs prior Q) | 7 (+2 vs prior Q) | 4 (0 vs prior Q) | +26K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $11,046,878 | 638,179 | 34.20% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $4,486,011 | 257,078 | 13.89% | Shares |
| Truffle Hound Capital, LLC | $3,490,000 | 200,000 | 10.80% | Shares |
| PL Capital Advisors, LLC | $3,198,882 | 183,317 | 9.90% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $2,363,754 | 135,439 | 7.32% | Shares |
| VANGUARD GROUP INC | $1,686,326 | 96,279 | 5.22% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $1,115,014 | 63,863 | 3.45% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $1,093,330 | 62,655 | 3.38% | Shares |
| STILWELL VALUE LLC | $698,000 | 40,000 | 2.16% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $539,292 | 30,905 | 1.67% | Shares |
| FIRST MANHATTAN CO. LLC. | $488,862 | 28,015 | 1.51% | Shares |
| Oppenheimer & Close, LLC | $420,196 | 24,080 | 1.30% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $401,106 | 22,986 | 1.24% | Shares |
| BlackRock, Inc. | $358,528 | 20,546 | 1.11% | Shares |
| NORTHERN TRUST CORP | $270,458 | 15,499 | 0.84% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $213,239 | 12,220 | 0.66% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $202,054 | 11,579 | 0.63% | Shares |
| MORGAN STANLEY | $178,304 | 10,217 | 0.55% | Shares |
| Vanguard Global Advisers, LLC | $47,447 | 2,719 | 0.15% | Shares |
| M3F, Inc. | $4,998 | 286,394 | 0.02% | Shares |
| Tower Research Capital LLC (TRC) | $1,309 | 75 | 0.00% | Shares |
| BARCLAYS PLC | $192 | 11 | 0.00% | Shares |
| Farther Finance Advisors, LLC | $105 | 6 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $27 | 1,603 | 0.00% | Shares |
Activists & 5%+ owners 4 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| PL Capital Advisors, LLC, John W. Palmer, Richard J. Lashley, Lashley Family 2012 Trust, Beth R. Lashley, Lashley Family 2011 Trust ×2 filings | Feb. 7, 2023 | · | Initial filing | · | SEC |
| PL Capital, LLC, Financial Edge Fund, L.P., Financial Edge—Strategic Fund, L.P., Goodbody/PL Capital, L.P., Goodbody/PL Capital, LLC, PL Capital Advisors, LLC, John W. Palmer, Richard J. Lashley, Beth R. Lashley, Lashley Family 2012 Trust, Lashley Family 2011 Trust, PL Capital/Focused Fund, L.P. ×3 filings | Sept. 20, 2012 | · | Initial filing | · | SEC |
| Financial Edge Fund, L.P., Financial Edge—Strategic Fund, L.P., Goodbody/PL Capital, L.P., PL Capital, LLC, Goodbody/PL Capital, LLC, PL Capital Advisors, LLC, John W. Palmer, Richard J. Lashley, Beth R. Lashley, PL Capital/Focused Fund, L.P. ×5 filings | March 11, 2011 | · | Initial filing | · | SEC |
| Undisclosed reporting person | Jan. 25, 2006 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 16 insiders · 4 officers · 13 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Elizabeth E Hance | President and CEO | Sept. 1, 2009 P | 47,500 | 0 | 0 | $0 |
| Jon Ansari | EVP and CFO | July 30, 2026 A | 27,138 | 0 | 0 | $0 |
| Peter Mcintyre Brown | SVP/CLO | May 3, 2023 A | 14,500 | 0 | 0 | $0 |
| Brian Stanley | SVP and Chief Lending Officer | April 1, 2011 A | 4,750 | 0 | 0 | $0 |
| Joseph A Yelencsics | Director | Aug. 27, 2026 A | 33,755 | 0 | 0 | $0 |
| Maureen Ruane | Director | May 28, 2026 A | 6,092 | 0 | 0 | $0 |
| Michael R Lombardi | Director | Dec. 12, 2025 P | 1,000 | 3 | 0 | $9,442 |
| Susan Eisenhauer | Director | July 29, 2025 A | 5,908 | 0 | 0 | $0 |
| Michael F Lombardi | Director | Feb. 20, 2024 P | 195,310 | 0 | 0 | $0 |
| Edward C Stokes III | Director | May 1, 2023 A | 41,516 | 0 | 0 | $0 |
| Thomas Lankey | Director | Aug. 26, 2022 A | 42,435 | 0 | 0 | $0 |
| Andrew G Hodulik | Director | Aug. 26, 2022 A | 33,719 | 0 | 0 | $0 |
| Martin A Lukacs | Director | July 14, 2021 A | 6,321 | 0 | 0 | $0 |
| Joseph J Lukacs Jr | Director | May 22, 2012 P | 24,247 | 0 | 0 | $0 |
| Salvatore J Romano | Director | July 31, 2008 A | 24,688 | 0 | 0 | $0 |
| John S Fitzgerald | · | Aug. 13, 2026 A | 45,836 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 10 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.03% | 19,027 SH | Sept. 11, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.00% | 9,232 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 711 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 6,521 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 1,254 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,150 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 422 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 105 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 62,655 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
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Source: SEC 10-Q filed Aug 13, 2026