{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-25-001014","form_type":"8-K","ticker":"MGYR","cik":"0001337068","company_name":"Magyar Bancorp, Inc.","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.770815+00:00","generated_at":"2026-05-18T02:09:13.162605+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Magyar Bancorp Q3 net income up 46% to $2.5M; dividend raised to $0.08","bullets":["Net income $2.5M ($0.40 EPS) vs $1.7M ($0.27) in prior year quarter; nine-month net $7.2M ($1.16) up 38%.","Net interest margin expands to 3.35% from 3.02% YoY; loan growth $64.2M to $845.4M.","Board declares increased quarterly dividend of $0.08 per share, payable Aug 21 to holders of record Aug 7.","Book value per share rises to $18.03 from $16.98; 60,410 shares repurchased at avg $14.84.","Non-performing loans rise to $920K (0.11%) from $232K, but remain low."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-25-001014","json":"https://secwatch.observer/filing/0001174947-25-001014.json","markdown":"https://secwatch.observer/filing/0001174947-25-001014.md","text":"https://secwatch.observer/filing/0001174947-25-001014.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1337068/000117494725001014/0001174947-25-001014-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1337068/000117494725001014/form8k-34496_mgyr.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:09:13.162605+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"}