Magyar Bancorp (MGYR) Cash Flow: Operating & Free Cash Flow

Magyar Bancorp (MGYR) Cash Flow Statement

In fiscal 2025 (fiscal year ended Sep 30, 2025), Magyar Bancorp generated $10.39M of operating cash flow and spent $574.00K on capital expenditures. That left free cash flow of $9.81M, up 78.3% from $5.51M a year earlier, or 27.6% of revenue. It returned $1.82M to shareholders through $1.82M in dividends and $844.00 in share buybacks.

Magyar Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Magyar Bancorp, Inc. (MGYR) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017
Operating Activities
Net Income	9.76	7.78	7.71	7.92	6.12	2.19	3.00	2.03	1.42
Depreciation & Amortization	0.94	0.89	0.84	0.84	0.84	0.85	0.87	0.86	0.82
Deferred Income Tax	-0.35	0.03	-0.62	0.15	-0.18	-0.88	-0.29	0.71	1.00
Stock Based Compensation	0.81	0.80	0.79	0.19	0.11	0.13	0.15	0.16	0.15
Change in Working Capital	-0.25	-1.54	-0.38	2.05	0.78	-3.20	1.56	-0.10	-1.32
Change in Accounts Receivable	-0.74	-0.72	-0.86	0.06	0.50	-1.90	0.05	-0.25	-0.22
Change in Accounts Payable	0.08	-2.22	0.36	3.55	-0.11	-2.01	1.74	0.32	-1.26
Change in Other Working Capital	-0.65	-1.14	0.13	0.49	0.39	0.70	-0.23	-0.17	0.16
Other Operating Activities	-0.98	-1.14	-1.42	0.49	-0.96	1.73	0.51	0.97	1.54
Net Cash from Operating Activities	10.39	6.32	8.48	11.20	9.26	0.81	5.79	4.62	3.60
Investing Activities
Capital Expenditures	-0.57	-0.81	-0.31	-0.39	-0.42	-0.15	-0.05	-0.28	-0.30
Purchases of Investments	-11.31	-12.48	-6.55	-41.14	-49.47	-19.78	-4.73	-4.94	-13.42
Sales/Maturities of Investments	18.71	13.78	11.28	8.92	23.43	20.98	15.49	11.39	8.00
Other Investing Activities	6.76	-90.78	-0.89	-37.13	2.63	-81.01	-11.11	-36.66	-16.04
Net Cash from Investing Activities	-64.25	-90.29	-66.05	-69.74	-8.20	-79.96	-0.41	-30.49	-21.76
Financing Activities
Debt Repayment	-3.50	-4.38	-4.74	-10.73	-44.05	31.22	0.67	3.62	-4.14
Common Stock Issued	0.00	0.00	0.00	0.00	37.43	0.00	0.00	0.00	0.00
Common Stock Repurchased	0.00	-2.37	-1.22	-4.55	-3.27	-0.09	0.00	0.00	0.00
Dividends Paid	-1.82	-1.68	-1.32	-1.43	0.00	0.00	0.00	0.00	0.00
Other Financing Activities	-0.10	0.82	0.09	0.17	-2.44	88.27	0.05	15.28	22.82
Net Cash from Financing Activities	35.35	37.04	99.17	14.28	12.41	119.40	0.72	18.90	18.69
Summary
Net Change in Cash	-18.51	-46.94	41.60	-44.27	13.48	40.26	6.10	-6.97	0.53
Cash at Beginning of Period	25.60	72.53	30.94	75.20	61.73	21.47	15.37	22.33	21.81
Cash at End of Period	7.09	25.60	72.53	30.94	75.20	61.73	21.47	15.37	22.33
Free Cash Flow	9.82	5.51	8.18	10.81	8.84	0.67	5.74	4.34	3.30
Supplemental Disclosures
Interest Paid	22.73	20.15	9.98	2.49	3.05	-	-	-	-
Income Taxes Paid	5.63	2.87	3.26	3.14	2.75	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Magyar Bancorp Cash Flow

What is Magyar Bancorp's free cash flow?

Magyar Bancorp generated free cash flow of $9.81M in fiscal 2025 (fiscal year ended Sep 30, 2025), operating cash flow of $10.39M minus $574.00K of capital expenditures. That was up 78.3% from $5.51M a year earlier. Free cash flow equaled 27.6% of revenue.

How much does Magyar Bancorp spend on capital expenditures?

Magyar Bancorp spent $574.00K on capital expenditures in fiscal 2025, compared with $812.00K a year earlier. That equals 5.5% of operating cash flow.

Does Magyar Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 Magyar Bancorp returned $1.82M in dividends and $844.00 in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition