COMMUNITY FINANCIAL SHARES INC
Financials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $5.4M | −$2.8M | −$2.5M | −$11.0M | −$4.6M |
| Total assets | $343.0M | $349.0M | $355.2M | $329.0M | $347.1M |
| Total liabilities | $314.4M | $327.3M | $332.8M | $321.7M | $329.3M |
| Equity | $28.6M | $21.6M | $22.4M | $7.3M | $17.8M |
| EPS (diluted) | $0.18 | $-0.38 | $0.11 | $-9.20 | $-4.03 |
| Shares out. | 10.8M | 5.6M | 1.2M | 1.2M | 1.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2014- Operating margin
- —
- Net margin
- —
- Return on equity
- 18.8%
- Return on assets
- 1.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.7%
- Debt / equity
- 11.00×
- Book value / share
- $2.65
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
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 · FY2014- Accruals / assets
- 0.3%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 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Strong return on equity (>15%)
- 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- NT 10-Qmissed a reporting deadline ↗May 16, 2012
- NT 10-Kmissed a reporting deadline ↗Apr 2, 2012
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.
Material events
SEC Form 8-K · most recent- Entered a material agreement · Completed an acquisition or disposition · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJul 30, 2015
- Shareholder voteJul 21, 2015
- Entered a material agreement · Other material eventMar 2, 2015
- Shareholder voteFeb 2, 2015
- Amended charter or bylaws · Other material eventNov 26, 2014
- Director / officer changeMay 22, 2014
- Terminated a material agreementJan 15, 2014
- Director / officer change · Shareholder vote · Other material eventJan 6, 2014
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.