Demonstrações financeiras detalhadas de Magyar Bancorp, Inc. (MGYR): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Magyar Bancorp, Inc. registou receitas de $58.4M no último exercício, com um CAGR de 5 anos de 15.6%. O lucro líquido atingiu $9.8M, com CAGR de 5 anos de 34.8%.
Margens dos últimos 12 meses: margem bruta 61.5%, margem operacional 26.6%, margem líquida 18.9%. O fluxo de caixa livre cresceu a CAGR de 71.2% em 5 anos.
Ao preço atual de $19.26, MGYR negocia a um P/L de 10.30 e um ROE de 9.59%. A capitalização de mercado é de $124M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $22.4M | $23.7M | $26.1M | $29.0M | $28.3M | $31.6M | $32.2M | $40.7M | $52.1M | $58.4M |
| Custo da Receita | $4.9M | $5.1M | $5.6M | $7.4M | $7.2M | $4.6M | $2.8M | $10.7M | $20.7M | $23.2M |
| Lucro Bruto | $17.5M | $18.6M | $20.5M | $21.6M | $21.2M | $27.0M | $29.4M | $30.0M | $31.4M | $35.2M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $9.5M | $9.8M | $10.3M | $10.7M | $11.0M | $11.3M | $11.7M | $12.6M | $13.4M | $14.4M |
| Despesas Operacionais | $15.7M | $16.2M | $17.0M | $17.3M | $18.0M | $18.3M | $18.3M | $19.3M | $20.3M | $21.4M |
| Lucro Operacional | $1.8M | $2.4M | $3.5M | $4.3M | $3.1M | $8.7M | $11.2M | $10.7M | $11.1M | $13.8M |
| EBITDA | $2.5M | $3.2M | $4.4M | $5.1M | $4.0M | $9.6M | $12.0M | $11.6M | $12.0M | $14.7M |
| Despesas com Juros | $3.5M | $3.8M | $4.6M | $6.7M | $5.5M | $2.9M | $2.5M | $10.3M | $20.6M | $22.8M |
| Lucro Antes de Impostos | $1.8M | $2.4M | $3.5M | $4.3M | $3.1M | $8.7M | $11.2M | $10.7M | $11.1M | $13.8M |
| Imposto | $664000 | $994000 | $1.5M | $1.3M | $921000 | $2.6M | $3.2M | $3.0M | $3.3M | $4.0M |
| Lucro Líquido | $1.1M | $1.4M | $2.0M | $3.0M | $2.2M | $6.1M | $7.9M | $7.7M | $7.8M | $9.8M |
| LPA | $0.19 | $0.24 | $0.35 | $0.51 | $0.38 | $1.01 | $1.17 | $1.20 | $1.23 | $1.57 |
| LPA Diluído | $0.19 | $0.24 | $0.35 | $0.51 | $0.38 | $1.01 | $1.17 | $1.20 | $1.23 | $1.56 |
| Ações em Circulação (Diluídas) | $5.7M | $5.9M | $5.8M | $5.9M | $5.8M | $6.0M | $6.8M | $6.4M | $6.3M | $6.2M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $15.1M | $15.4M | $15.8M | $16.1M |
| Lucro Bruto | $9.0M | $9.6M | $9.8M | $9.9M |
| Lucro Operacional | $3.7M | $4.3M | $4.3M | $4.4M |
| EBITDA | $3.9M | $4.5M | $4.5M | $4.4M |
| Lucro Líquido | $2.5M | $3.1M | $3.0M | $3.1M |
| LPA | $0.41 | $0.50 | $0.49 | $0.50 |
| LPA Diluído | $0.40 | $0.50 | $0.48 | $0.49 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $21.8M | $22.3M | $15.4M | $21.5M | $61.7M | $75.2M | $30.9M | $72.5M | $25.6M | $7.1M |
| Investimentos de Curto Prazo | $5.2M | $11.8M | $22.5M | $16.7M | $14.6M | $12.9M | $9.2M | $10.1M | $15.6M | $15.9M |
| Contas a Receber | $1.7M | $1.9M | $2.2M | $2.1M | $4.0M | $3.5M | $3.5M | $4.3M | $5.1M | $5.8M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $28.8M | $36.1M | $40.0M | $40.3M | $80.3M | $91.7M | $43.6M | $87.0M | $46.3M | $28.8M |
| Imobilizado | $18.1M | $17.6M | $17.0M | $16.2M | $14.7M | $14.3M | $13.9M | $13.3M | $12.5M | $12.2M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $159000 | 0 |
| Ativos Totais | $584.4M | $603.0M | $624.0M | $630.3M | $754.0M | $774.0M | $798.5M | $907.3M | $951.9M | $997.7M |
| Contas a Pagar | $115000 | $105000 | $193000 | $191000 | $191000 | $85000 | $85000 | $443000 | $891000 | $969000 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | $4.7M | $4.4M | $3.5M | 0 |
| Passivos Circulantes | $492.8M | $515.3M | $530.3M | $530.3M | $618.5M | $639.9M | $672.6M | $760.3M | $801.1M | $815.3M |
| Dívida de Longo Prazo | $36.0M | $31.9M | $35.5M | $36.2M | $67.4M | $23.4M | $15.6M | $29.5M | $25.1M | $49.1M |
| Passivos Totais | $536.7M | $553.6M | $572.6M | $575.7M | $697.1M | $676.3M | $700.0M | $802.5M | $841.4M | $878.8M |
| Reservas | $24.3M | $25.8M | $28.0M | $31.0M | $33.2M | $39.3M | $45.8M | $52.2M | $58.6M | $66.6M |
| Patrimônio Líquido | $47.7M | $49.5M | $51.4M | $54.7M | $56.9M | $97.6M | $98.5M | $104.8M | $110.5M | $118.8M |
| Dívida Total | $36.0M | $31.9M | $35.5M | $36.2M | $67.4M | $23.4M | $20.4M | $33.9M | $28.6M | $49.1M |
| Dívida Líquida | $9.0M | -$2.2M | -$2.3M | -$2.0M | -$8.9M | -$64.8M | -$19.8M | -$48.8M | -$12.6M | $26.1M |
| Capital de Giro | -$464.0M | -$479.2M | -$490.3M | -$490.0M | -$538.2M | -$548.2M | -$628.9M | -$673.3M | -$754.8M | -$786.5M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $7.1M | $34.1M | $47.6M | $2.0M |
| Ativos Totais | $997.7M | $1.05B | $1.07B | $1.05B |
| Passivos Totais | $878.8M | $923.8M | $944.2M | $921.9M |
| Patrimônio Líquido | $118.8M | $121.7M | $124.2M | $126.6M |
| Dívida Total | $49.1M | $49.1M | $49.1M | $49.1M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $1.1M | $1.4M | $2.0M | $3.0M | $2.2M | $6.1M | $7.9M | $7.7M | $7.8M | $9.8M |
| Depreciação e Amortização | $778000 | $816000 | $861000 | $871000 | $854000 | $835000 | $839000 | $840000 | $890000 | $937000 |
| Compensação em Ações | $125000 | $154000 | $157000 | $149000 | $126000 | $107000 | $185000 | $786000 | $801000 | $808000 |
| Variação Capital de Giro | $1.3M | -$1.3M | -$101000 | $1.6M | -$3.2M | $782000 | $2.1M | -$375000 | -$1.5M | -$250000 |
| Fluxo de Caixa Operacional | $8.5M | $3.6M | $4.6M | $5.8M | $814000 | $9.3M | $11.2M | $8.5M | $6.3M | $10.4M |
| CapEx | -$184000 | -$299000 | -$284000 | -$53000 | -$147000 | -$420000 | -$387000 | -$309000 | -$812000 | -$574000 |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | -$90000 | -$3.3M | -$4.6M | -$1.2M | -$2.4M | -$844000 |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | -$1.4M | -$1.3M | -$1.7M | -$1.8M |
| Fluxo de Caixa Livre | $8.3M | $3.3M | $4.3M | $5.7M | $667000 | $8.8M | $10.8M | $8.2M | $5.5M | $9.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $2.8M | $3.7M | $3.5M | $5.0M |
| CapEx | -$52000 | -$4000 | -$329000 | $333000 |
| Fluxo de Caixa Livre | $2.8M | $3.7M | $3.2M | $5.3M |
| Dividendos Pagos | -$501000 | -$502000 | -$628000 | -$636000 |
| Compensação em Ações | $208000 | $53000 | $209000 | -$101000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +6.0% | +10.3% | +10.7% | -2.1% | +11.6% | +1.9% | +26.5% | +27.9% | +12.1% |
| Crescimento Lucro Líquido (anual) | | +30.4% | +42.7% | +47.6% | -26.9% | +179.5% | +29.4% | -2.7% | +1.0% | +25.4% |
| Crescimento LPA (anual) | | +26.3% | +45.8% | +45.7% | -25.5% | +165.8% | +15.8% | +2.6% | +2.5% | +27.6% |
| Variação de Ações (anual) | | +3.3% | -2.2% | +1.3% | -1.9% | +4.8% | +12.3% | -5.3% | -1.3% | -1.7% |
| Crescimento FCF (anual) | | -60.4% | +31.4% | +32.2% | -88.4% | +1225.2% | +22.3% | -24.4% | -32.6% | +78.3% |
| Margem Bruta | 78.1% | 78.4% | 78.4% | 74.5% | 74.7% | 85.5% | 91.3% | 73.7% | 60.3% | 60.3% |
| Margem Operacional | 7.8% | 10.2% | 13.4% | 14.7% | 11.0% | 27.6% | 34.7% | 26.4% | 21.3% | 23.6% |
| Margem EBITDA | 11.3% | 13.6% | 16.7% | 17.7% | 14.0% | 30.2% | 37.3% | 28.4% | 23.0% | 25.2% |
| Margem Líquida | 4.9% | 6.0% | 7.8% | 10.3% | 7.7% | 19.4% | 24.6% | 18.9% | 14.9% | 16.7% |
| Margem FCF | 37.2% | 13.9% | 16.6% | 19.8% | 2.4% | 28.0% | 33.6% | 20.1% | 10.6% | 16.8% |
| Taxa Efetiva de Imposto | 37.8% | 41.1% | 42.0% | 29.7% | 29.6% | 29.9% | 29.1% | 28.2% | 29.9% | 29.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.45 | $0.56 | $0.75 | $0.98 | $0.12 | $1.46 | $1.59 | $1.27 | $0.87 | $1.57 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.21 | $0.20 | $0.26 | $0.29 |
| Ações em Circulação (Básicas) | $5.7M | $5.9M | $5.8M | $5.9M | $5.8M | $6.0M | $6.8M | $6.4M | $6.3M | $6.2M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 9.59% |
| Retorno sobre capital investido | 20.49% |
| Retorno sobre ativos | 1.12% |
| Margem bruta | 61.52% |
| Margem operacional | 26.56% |
| Margem líquida | 18.89% |
Saúde financeira
| Dívida / Patrimônio | 0.39 |
| Liquidez corrente | 0.00 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 43.47 | 41.79 | 28.51 | 18.84 | 17.97 | 11.34 | 10.62 | 8.54 | 10.02 | 11.00 |
| P/VP | 0.99 | 1.20 | 1.13 | 1.03 | 0.69 | 0.71 | 0.85 | 0.63 | 0.71 | 0.91 |
| P/V | 2.12 | 2.51 | 2.21 | 1.95 | 1.39 | 2.19 | 2.61 | 1.62 | 1.50 | 1.84 |
| Margem Bruta | 78.1% | 78.4% | 78.4% | 74.5% | 74.7% | 85.5% | 91.3% | 73.7% | 60.3% | 60.3% |
| Margem Operacional | 7.8% | 10.2% | 13.4% | 14.7% | 11.0% | 27.6% | 34.7% | 26.4% | 21.3% | 23.6% |
| Margem Líquida | 4.9% | 6.0% | 7.8% | 10.3% | 7.7% | 19.4% | 24.6% | 18.9% | 14.9% | 16.7% |