DDM Analysis: MGYR

Valuation Snapshot

Stable Growth	$195.99 - $230.91	$216.40
Multi-Stage	$41.22 - $45.17	$43.16
Blended Fair Value	$129.78
Current Price	$17.27
Upside	651.47%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	0.00%	0.00%	0.27	0.21	0.23	0.00	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	27.68%	-7.85%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	1.56%	1.45%	2.04%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	7.24
(-) Cash Dividends Paid (M)	1.64
(=) Cash Retained (M)	5.60

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.45	0.90	0.54
Cash Retained (M)	5.60	5.60	5.60
(-) Cash Required (M)	-1.45	-0.90	-0.54
(=) Excess Retained (M)	4.15	4.69	5.05
(/) Shares Outstanding (M)	6.23	6.23	6.23
(=) Excess Retained per Share	0.67	0.75	0.81
LTM Dividend per Share	0.26	0.26	0.26
(+) Excess Retained per Share	0.67	0.75	0.81
(=) Adjusted Dividend	0.93	1.02	1.07
WACC / Discount Rate	5.89%	5.89%	5.89%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$195.99	$216.40	$230.91
Upside / Downside	1,034.87%	1,153.03%	1,237.07%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	7.24	7.71	8.21	8.74	9.31	9.91	10.21
Payout Ratio	22.66%	36.13%	49.60%	63.07%	76.53%	90.00%	92.50%
Projected Dividends (M)	1.64	2.78	4.07	5.51	7.12	8.92	9.45

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.89%	5.89%	5.89%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	2.60	2.63	2.65
Year 2 PV (M)	3.56	3.63	3.70
Year 3 PV (M)	4.51	4.64	4.78
Year 4 PV (M)	5.46	5.67	5.88
Year 5 PV (M)	6.39	6.70	7.02
PV of Terminal Value (M)	234.38	245.70	257.46
Equity Value (M)	256.92	268.98	281.49
Shares Outstanding (M)	6.23	6.23	6.23
Fair Value	$41.22	$43.16	$45.17
Upside / Downside	138.71%	149.91%	161.54%

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Magyar Bancorp, Inc. (MGYR)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener