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Side-by-side financial comparison of Magyar Bancorp, Inc. (MGYR) and Xos, Inc. (XOS). Click either name above to swap in a different company.
Magyar Bancorp, Inc. is the larger business by last-quarter revenue ($8.9M vs $5.2M, roughly 1.7× Xos, Inc.). Magyar Bancorp, Inc. runs the higher net margin — 35.4% vs -186.8%, a 222.2% gap on every dollar of revenue. On growth, Magyar Bancorp, Inc. posted the faster year-over-year revenue change (19.0% vs -54.5%).
Magyar Bank is a bank based in New Brunswick, New Jersey with branches in Central Jersey.
Xos, Inc. is an American manufacturer of commercial electric vehicles (EVs) and mobile EV chargers.
MGYR vs XOS — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $8.9M | $5.2M |
| Net Profit | $3.1M | $-9.8M |
| Gross Margin | — | -50.5% |
| Operating Margin | 48.3% | -186.6% |
| Net Margin | 35.4% | -186.8% |
| Revenue YoY | 19.0% | -54.5% |
| Net Profit YoY | 50.4% | 48.6% |
| EPS (diluted) | $0.50 | $-0.76 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $8.9M | $5.2M | ||
| Q3 25 | — | $16.5M | ||
| Q2 25 | — | $18.4M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $11.5M | ||
| Q3 24 | — | $15.8M | ||
| Q2 24 | $7.2M | $15.5M | ||
| Q1 24 | $7.5M | $12.6M |
| Q4 25 | $3.1M | $-9.8M | ||
| Q3 25 | — | $2.1M | ||
| Q2 25 | — | $-7.5M | ||
| Q1 25 | — | $-10.2M | ||
| Q4 24 | — | $-19.0M | ||
| Q3 24 | — | $-10.5M | ||
| Q2 24 | $1.7M | $-9.7M | ||
| Q1 24 | $1.9M | $-11.0M |
| Q4 25 | — | -50.5% | ||
| Q3 25 | — | 15.3% | ||
| Q2 25 | — | 8.8% | ||
| Q1 25 | — | 20.6% | ||
| Q4 24 | — | -32.4% | ||
| Q3 24 | — | 18.1% | ||
| Q2 24 | — | 13.1% | ||
| Q1 24 | — | 22.1% |
| Q4 25 | 48.3% | -186.6% | ||
| Q3 25 | — | -42.4% | ||
| Q2 25 | — | -38.5% | ||
| Q1 25 | — | -157.7% | ||
| Q4 24 | — | -127.0% | ||
| Q3 24 | — | -61.4% | ||
| Q2 24 | 30.5% | -73.2% | ||
| Q1 24 | 32.1% | -81.1% |
| Q4 25 | 35.4% | -186.8% | ||
| Q3 25 | — | 12.9% | ||
| Q2 25 | — | -40.8% | ||
| Q1 25 | — | -173.3% | ||
| Q4 24 | — | -165.4% | ||
| Q3 24 | — | -66.6% | ||
| Q2 24 | 23.5% | -62.2% | ||
| Q1 24 | 25.1% | -87.1% |
| Q4 25 | $0.50 | $-0.76 | ||
| Q3 25 | — | $0.22 | ||
| Q2 25 | — | $-0.91 | ||
| Q1 25 | — | $-1.26 | ||
| Q4 24 | — | $-2.34 | ||
| Q3 24 | — | $-1.32 | ||
| Q2 24 | $0.27 | $-1.23 | ||
| Q1 24 | $0.30 | $-1.80 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $34.1M | $14.0M |
| Total DebtLower is stronger | $49.1M | — |
| Stockholders' EquityBook value | $121.7M | $23.3M |
| Total Assets | $1.0B | $60.4M |
| Debt / EquityLower = less leverage | 0.40× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.1M | $14.0M | ||
| Q3 25 | — | $14.1M | ||
| Q2 25 | — | $8.8M | ||
| Q1 25 | — | $4.8M | ||
| Q4 24 | — | $11.0M | ||
| Q3 24 | — | $8.4M | ||
| Q2 24 | $49.0M | $19.7M | ||
| Q1 24 | $50.0M | $46.2M |
| Q4 25 | $49.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $121.7M | $23.3M | ||
| Q3 25 | — | $31.1M | ||
| Q2 25 | — | $18.3M | ||
| Q1 25 | — | $24.8M | ||
| Q4 24 | — | $33.6M | ||
| Q3 24 | — | $50.8M | ||
| Q2 24 | $109.0M | $59.2M | ||
| Q1 24 | $107.6M | $67.8M |
| Q4 25 | $1.0B | $60.4M | ||
| Q3 25 | — | $73.8M | ||
| Q2 25 | — | $80.3M | ||
| Q1 25 | — | $87.7M | ||
| Q4 24 | — | $98.3M | ||
| Q3 24 | — | $120.5M | ||
| Q2 24 | $944.4M | $123.4M | ||
| Q1 24 | $928.6M | $135.0M |
| Q4 25 | 0.40× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $3.7M | $2.4M |
| Free Cash FlowOCF − Capex | $3.7M | — |
| FCF MarginFCF / Revenue | 41.4% | — |
| Capex IntensityCapex / Revenue | 0.0% | 0.0% |
| Cash ConversionOCF / Net Profit | 1.17× | — |
| TTM Free Cash FlowTrailing 4 quarters | $8.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.7M | $2.4M | ||
| Q3 25 | — | $3.1M | ||
| Q2 25 | — | $4.6M | ||
| Q1 25 | — | $-4.8M | ||
| Q4 24 | — | $3.3M | ||
| Q3 24 | — | $-11.5M | ||
| Q2 24 | $1.7M | $-26.0M | ||
| Q1 24 | $553.0K | $-14.6M |
| Q4 25 | $3.7M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $-11.7M | ||
| Q2 24 | $1.5M | $-26.1M | ||
| Q1 24 | $428.0K | $-14.6M |
| Q4 25 | 41.4% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -73.9% | ||
| Q2 24 | 21.5% | -168.1% | ||
| Q1 24 | 5.7% | -115.7% |
| Q4 25 | 0.0% | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | 2.0% | 0.8% | ||
| Q1 24 | 1.7% | 0.2% |
| Q4 25 | 1.17× | — | ||
| Q3 25 | — | 1.45× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 1.00× | — | ||
| Q1 24 | 0.29× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
