{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-24-001197","form_type":"8-K","ticker":"MGYR","cik":"0001337068","company_name":"Magyar Bancorp, Inc.","filed_at":"2024-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.210511+00:00","generated_at":"2026-05-30T07:20:57.950465+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Magyar Bancorp Q4 net income $2.5M (+16% YoY); NPLs fall 95% to $232k","bullets":["Net income for Q4 ended Sep 30, 2024 was $2.5M ($0.41 EPS) vs $2.2M ($0.34 EPS) a year ago.","Full-year net income $7.8M ($1.23 EPS) vs $7.7M ($1.20 EPS) in fiscal 2023.","Non-performing loans fell to $232k from $4.6M at June 30, 2024, a 95% decrease.","Loan portfolio grew 11.9% to $781.2M; new Martinsville branch opened Oct 11, 2024.","Board declared $0.05 quarterly dividend payable Nov 27, record Nov 14."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-24-001197","json":"https://secwatch.observer/filing/0001174947-24-001197.json","markdown":"https://secwatch.observer/filing/0001174947-24-001197.md","text":"https://secwatch.observer/filing/0001174947-24-001197.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1337068/000117494724001197/0001174947-24-001197-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1337068/000117494724001197/form8k-33075_mgyr.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T07:20:57.950465+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"}