{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-21-000984","form_type":"8-K","ticker":"MGYR","cik":"0001337068","company_name":"Magyar Bancorp, Inc.","filed_at":"2021-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:04:12.182380+00:00","generated_at":"2026-06-28T13:46:48.920231+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Magyar Bancorp Q4 net income $1.61M ($0.23 EPS), up 96% YoY; FY net income $6.12M ($1.01 EPS)","bullets":["Q4 net income $1.61M vs $823K; diluted EPS $0.23 vs $0.12 YoY.","FY 2021 net income $6.12M, up 179.5% from $2.19M; EPS $1.01 vs $0.31.","Net interest margin expanded 34 bps to 3.57% in Q4; net interest income up 18% to $6.7M.","Completed stock offering netting $37.4M; book value per share rose to $13.76 from $9.78.","Non-performing loans fell 13.4% in Q4 to $8.2M (1.4% of total loans); loan loss allowance $8.1M."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-21-000984","json":"https://secwatch.observer/filing/0001174947-21-000984.json","markdown":"https://secwatch.observer/filing/0001174947-21-000984.md","text":"https://secwatch.observer/filing/0001174947-21-000984.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1337068/000117494721000984/0001174947-21-000984-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1337068/000117494721000984/form8k-26924_mgyr.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T13:46:48.920231+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"}