{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-008864","form_type":"8-K","ticker":"MFIN","cik":"0001000209","company_name":"MEDALLION FINANCIAL CORP","filed_at":"2024-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.019989+00:00","generated_at":"2026-06-06T14:34:36.738356+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Medallion Bank reports record Q4 net income $21.9M, full-year $79.9M; loan portfolio grows 15%","bullets":["Q4 net income $21.9M vs $19.7M prior year; full-year net income $79.9M vs $74.6M in 2022.","Net interest margin 8.62% for Q4 (down from 9.19%); total loan portfolio grew 15% to $2.1B.","Recreation loan portfolio $1.336B (+13%); annualized net charge-offs 4.2% (up from 2.4%).","Home improvement loan portfolio $760.6M (+21%); annualized net charge-offs 1.7% (up from 1.1%).","Medallion loan recoveries $12.0M in Q4 reduced provision by 226 bps; declared Series F preferred dividend $0.50/share payable Apr 1."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-008864","json":"https://secwatch.observer/filing/0000950170-24-008864.json","markdown":"https://secwatch.observer/filing/0000950170-24-008864.md","text":"https://secwatch.observer/filing/0000950170-24-008864.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1000209/000095017024008864/0000950170-24-008864-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1000209/000095017024008864/mfin-20240130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T14:34:36.738356+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}