Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $1.09M | $1.42M | $2.03M | $3.00M | $2.19M | $6.12M | $7.92M | $7.71M | $7.78M | $9.76M |
| EPS (diluted) | $0.19 | $0.24 | $0.35 | $0.51 | $0.31 | $1.01 | $1.17 | $1.20 | $1.23 | $1.56 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $8.51M | $3.60M | $4.62M | $5.79M | $814K | $9.26M | $11.2M | $8.48M | $6.32M | $10.4M |
| Capital expenditures | $184K | $299K | $284K | $53.0K | $147K | $420K | $3.00M | — | $812K | $574K |
| Free cash flow | $8.33M | $3.30M | $4.34M | $5.74M | $667K | $8.84M | $8.20M | — | $5.51M | $9.81M |
| Dividends paid | — | — | — | — | — | — | — | — | $1.68M | $1.82M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $21.8M | $22.3M | $15.4M | $21.5M | $61.7M | $75.2M | $30.9M | $72.5M | $25.6M | $7.09M |
| Total assets | $584M | $603M | $624M | $630M | $754M | $774M | $799M | $907M | $952M | $998M |
| Total liabilities | $537M | $554M | $573M | $576M | $697M | $676M | $700M | $803M | $841M | $879M |
| Long-term debt | — | — | — | — | — | — | — | $29.5M | $28.6M | $49.1M |
| Shareholders' equity | $47.7M | $49.5M | $51.4M | $54.7M | $56.9M | $97.6M | $98.5M | $105M | $111M | $119M |
| Retained earnings | $24.3M | $25.8M | $28.0M | $31.0M | $33.2M | $39.3M | $45.8M | $52.2M | $58.6M | $66.6M |
| Shares (wtd avg diluted) | 5.82M | 5.82M | 5.82M | 5.82M | 5.81M | 6.04M | 6.78M | 6.42M | 6.34M | 6.24M |
Every figure is extracted from Magyar Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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