SALISBURY BANCORP, INC.
Financials · Savings Institution, Federally Chartered · CT · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $15.9M | $16.5M | $11.9M | $11.1M | $8.8M | $6.3M |
| Total assets | $1.54B | $1.53B | $1.29B | $1.11B | $1.12B | $987.0M |
| Total liabilities | $1.41B | $1.39B | $1.17B | $998.8M | $1.02B | $889.5M |
| Equity | $128.4M | $136.6M | $124.8M | $113.7M | $103.5M | $97.5M |
| EPS (diluted) | $2.74 | $2.86 | $2.10 | $3.93 | $3.13 | $2.24 |
| Shares out. | 2.9M | 2.8M | 2.8M | 2.8M | 2.8M | 2.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2022- Operating margin
- —
- Net margin
- —
- Return on equity
- 12.4%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.7%
- Debt / equity
- 11.01×
- Book value / share
- $44.63
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −3.6%
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 · FY2022- Accruals / assets
- −0.8%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.
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. What these scores mean →
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- Entered a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylaws · Other material eventAug 14, 2023
- Results of operations · Regulation FD disclosureJul 26, 2023
- Other material eventJul 11, 2023
- Results of operations · Regulation FD disclosureApr 26, 2023
- Shareholder voteApr 13, 2023
- Regulation FD disclosureApr 12, 2023
- Other material eventApr 3, 2023
- Results of operations · Regulation FD disclosureJan 25, 2023
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 ↗Event-driven situations (1)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.