---
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"
generated_at: "2026-05-17T01:16:42.907047+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Magyar Bancorp FY net income rises 25% to $9.8M; EPS $1.57, declares $0.08 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-25-001313
- JSON: https://secwatch.observer/filing/0001174947-25-001313.json
- Plain text: https://secwatch.observer/filing/0001174947-25-001313.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.