MUTUALFIRST FINANCIAL INC
Financials · State Commercial Banks · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $23.8M | $18.9M | $12.3M | $13.2M | $12.3M | $2.0M |
| Total assets | $2.06B | $2.05B | $1.59B | $1.55B | $1.48B | $1.42B |
| Total liabilities | $1.84B | $1.85B | $1.44B | $1.41B | $1.34B | $1.30B |
| Equity | $226.8M | $202.4M | $150.3M | $140.0M | $137.0M | $126.8M |
| EPS (diluted) | $0.60 | $0.50 | $0.43 | $0.31 | $0.33 | $0.27 |
| Shares out. | 8.6M | 8.6M | 7.3M | 7.4M | 7.3M | 7.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2019- Operating margin
- —
- Net margin
- —
- Return on equity
- 10.5%
- Return on assets
- 1.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.0%
- Debt / equity
- 8.10×
- Book value / share
- $26.30
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 25.9%
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.
Financial health
forensic scores · FY2019- Accruals / assets
- 0.1%clean
- Piotroski F-Score
- 4/6mixed
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- Shareholder voteMar 10, 2020
- Other material eventFeb 13, 2020
- Results of operationsJan 31, 2020
- Other material eventNov 21, 2019
- Terminated a material agreement · Regulation FD disclosureOct 29, 2019
- Results of operationsOct 21, 2019
- Director / officer changeOct 18, 2019
- Other material eventAug 22, 2019
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 13D/AMay 11, 2020
- 15-12GMUTUALFIRST FINANCIAL, INC. FORM 15-12BMay 4, 2020
- 25-NSEApr 24, 2020
- 425Mar 30, 2020
- 10-KMar 12, 2020
- 8-KMar 10, 2020
- 8-KFeb 13, 2020
- DEFA14ADEFINITIVE ADDITIONAL MATERIALFeb 12, 2020
- SC 13G/ASCHEDULE 13G/AFeb 12, 2020
- 8-KJan 31, 2020
- DEFM14AJan 29, 2020
- 425Jan 21, 2020
- 4PRIMARY DOCUMENTDec 30, 2019
- 4PRIMARY DOCUMENTDec 26, 2019
- 4PRIMARY DOCUMENTDec 13, 2019
Event-driven situations (1)
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