MBT FINANCIAL CORP
Financials · National Commercial Banks · MI · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $3.9M | $3.2M | $14.5M | $12.1M | $7.3M | $25.5M |
| Total assets | $1.34B | $1.35B | $1.36B | $1.34B | $1.28B | $1.22B |
| Total liabilities | $1.21B | $1.21B | $1.22B | $1.19B | $1.14B | $1.11B |
| Equity | $127.7M | $132.7M | $141.1M | $147.3M | $134.5M | $110.6M |
| EPS (diluted) | $0.17 | $0.14 | $0.63 | $0.53 | $0.33 | $1.41 |
| Shares out. | 23.0M | 22.9M | 22.9M | 22.7M | 21.3M | 17.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- —
- Net margin
- —
- Return on equity
- 3.1%
- Return on assets
- 0.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.5%
- Debt / equity
- 9.47×
- Book value / share
- $5.56
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 22.7%
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 · FY2018- Accruals / assets
- −1.6%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. 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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Chaffin H DouglasOfficer — President & CEO | Sep 1, 2019 | D | 189,965 | — |
| Daly Joseph SDirector | Sep 1, 2019 | Grant | 46,620 | $9.90 |
| Miller Michael JamesDirector | Sep 1, 2019 | Grant | 65,121 | $9.90 |
| Shah Debra JeanDirector | Sep 1, 2019 | Grant | 64,695 | $9.90 |
| Barann Kristine LDirector | Sep 1, 2019 | D | 8,542 | — |
| Carlton Peter HDirector | Sep 1, 2019 | D | 206,556 | — |
| Deutsch James F.Director | Sep 1, 2019 | D | 1.8M | — |
| Mckelvey Scott EOfficer — Executive Vice President | Sep 1, 2019 | D | 71,917 | — |
| Mistor AudreyOfficer — Executive Vice President | Sep 1, 2019 | D | 27,965 | — |
| Myers Thomas GOfficer — Executive Vice President | Sep 1, 2019 | D | 106,575 | — |
| Scavuzzo TonyDirector | Sep 1, 2019 | D | 1.9M | — |
| Skibski John LOfficer — Executive VP & CFO | Sep 1, 2019 | D | 78,614 | — |
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- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsSep 3, 2019
- Results of operationsJul 25, 2019
- Other material eventJun 18, 2019
- Results of operationsApr 25, 2019
- Shareholder voteFeb 15, 2019
- Results of operationsJan 28, 2019
- Other material eventJan 24, 2019
- Other material eventJan 18, 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 ↗Event-driven situations (1)
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