{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-011078","form_type":"8-K","ticker":"MFIN","cik":"0001000209","company_name":"MEDALLION FINANCIAL CORP","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.616842+00:00","generated_at":"2026-05-27T05:03:44.927763+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Medallion Bank Q4 net income falls to $15.6M; full-year profit down 24%","bullets":["Q4 net income $15.6M vs $21.9M YoY; full-year net income $60.6M vs $79.9M.","Net interest income rose to $53.1M (Q4) and $204.7M (full year), up 8% and 8.4%.","Total provision for credit losses surged to $20.5M (Q4) and $75.8M (full year).","Signed LOI to sell up to $121M recreation loans at premium; $3.9M allowance released.","Series F preferred dividend declared: $0.50/share payable Apr 1, 2025 to record Mar 17."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-011078","json":"https://secwatch.observer/filing/0000950170-25-011078.json","markdown":"https://secwatch.observer/filing/0000950170-25-011078.md","text":"https://secwatch.observer/filing/0000950170-25-011078.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1000209/000095017025011078/0000950170-25-011078-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1000209/000095017025011078/mfin-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:03:44.927763+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"}