WASHINGTON BANKING CO

Operating margin

—

Net margin

—

Return on equity

8.1%

Return on assets

0.9%

Return on capital (ROCE)

—

Liabilities / assets

89.3%

Debt / equity

8.36×

Book value / share

$11.61

Revenue growth (YoY)

—

Net income growth (YoY)

−13.9%

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.

Accruals / assets

−2.9%clean

Piotroski F-Score

3/6weak

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.

• Results of operationsApr 25, 2014
• Director / officer changeApr 17, 2014
• Shareholder voteApr 16, 2014
• Regulation FD disclosure · Other material eventApr 7, 2014
• Other material eventApr 7, 2014
• Results of operations · Other material eventJan 31, 2014
• Director / officer changeDec 27, 2013
• Entered a material agreementOct 25, 2013

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.