Event-Driven Stocks

PACIFIC MERCANTILE BANCORP

Financials · National Commercial Banks · CA · SEC filings ↗ · Compare ⊕

Signs● 2 good● 1 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY20FY19FY18FY17FY16FY15
Revenue——————
Operating income——————
Net income−$2.4M$882,000$27.3M$10.4M−$34.6M$12.4M
Total assets$1.59B$1.42B$1.35B$1.32B$1.14B$1.06B
Total liabilities$1.43B$1.27B$1.21B$1.21B$1.04B$928.5M
Equity$158.7M$149.0M$141.4M$112.9M$99.7M$133.9M
EPS (diluted)$-0.10$0.04$1.16$0.45$-1.51$0.53
Shares out.23.7M22.0M23.3M23.2M22.9M19.8M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2020
Operating margin
—
Net margin
—
Return on equity
−1.5%
Return on assets
−0.1%
Return on capital (ROCE)
—
Liabilities / assets
90.0%
Debt / equity
9.00×
Book value / share
$6.69
Revenue growth (YoY)
—
Net income growth (YoY)
−367.7%

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 · FY2020
Accruals / assets
−0.8%clean
Piotroski F-Score
2/6weak

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 Score
37
/ 100
Profitability 0Growth 0Catalyst 33Earnings quality 100Financial strength 50

Our 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 severe● 1 warning● 2 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • 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.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

Insider transactions

SEC Form 4 · most recent
0 acquisitions1 disposalsnet −14,757 shares · last 1
InsiderDateTypeSharesPrice
Munio David JDirectorOct 18, 2021Sell14,757$9.31

Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.

Material events

SEC Form 8-K · most recent

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)