COBIZ FINANCIAL INC
Financials · National Commercial Banks · CO · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $8.6M | $7.4M | $26.1M | $5.5M | $27.6M | $24.6M |
| Total assets | $3.85B | $3.63B | $3.35B | $3.06B | $2.80B | $2.65B |
| Total liabilities | $3.52B | $3.33B | $3.08B | $2.75B | $2.52B | $2.40B |
| Equity | $329.3M | $302.3M | $273.5M | $308.8M | $281.1M | $257.1M |
| EPS (diluted) | $0.20 | $0.18 | $0.62 | $0.13 | $0.66 | $0.55 |
| Shares out. | 41.6M | 41.1M | 40.8M | 40.4M | 39.8M | 39.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2017- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.6%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.4%
- Debt / equity
- 10.68×
- Book value / share
- $7.92
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 17.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2017- Accruals / assets
- −1.0%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Other material eventOct 1, 2018
- Shareholder vote · Other material eventSep 27, 2018
- Other material eventSep 20, 2018
- Other material eventAug 23, 2018
- Results of operationsJul 26, 2018
- Other material eventJul 19, 2018
- Entered a material agreement · Director / officer change · Other material eventJun 18, 2018
- Regulation FD disclosureMay 8, 2018
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SC 13G/AOct 10, 2018
- 15-12BOct 4, 2018
- 4PRIMARY DOCUMENTOct 3, 2018
- 4PRIMARY DOCUMENTOct 3, 2018
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- 4PRIMARY DOCUMENTOct 3, 2018
- 4PRIMARY DOCUMENTOct 3, 2018
- 4PRIMARY DOCUMENTOct 3, 2018
Event-driven situations (1)
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