{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-25-001313","form_type":"8-K","ticker":"MGYR","cik":"0001337068","company_name":"Magyar Bancorp, Inc.","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.184774+00:00","generated_at":"2026-05-17T01:16:42.907047+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Magyar Bancorp FY net income rises 25% to $9.8M; EPS $1.57, declares $0.08 dividend","bullets":["FY net income $9.8M (+25% YoY); diluted EPS $1.56 vs $1.23; net interest margin 3.34% (+20bps).","Q4 net income $2.5M flat YoY; EPS $0.40 diluted; net interest margin 3.47% (+39bps).","Loan portfolio grew 9.9% to $858.9M, led by commercial real estate loans up 15.6%.","Book value per share $18.34 vs $16.98; no loan charge-offs in FY.","Quarterly cash dividend $0.08 per share, payable Nov 25, 2025 to holders of record Nov 13."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-25-001313","json":"https://secwatch.observer/filing/0001174947-25-001313.json","markdown":"https://secwatch.observer/filing/0001174947-25-001313.md","text":"https://secwatch.observer/filing/0001174947-25-001313.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1337068/000117494725001313/0001174947-25-001313-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1337068/000117494725001313/form8k-34825_mgyr.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:16:42.907047+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"}