GRANDSOUTH BANCORPORATION

Operating margin

—

Net margin

—

Return on equity

16.5%

Return on assets

1.3%

Return on capital (ROCE)

—

Liabilities / assets

91.9%

Debt / equity

11.36×

Book value / share

$18.85

Revenue growth (YoY)

—

Net income growth (YoY)

86.4%

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.

Accruals / assets

−0.5%clean

Piotroski F-Score

6/6mixed

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.

• Completed an acquisition or disposition · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylaws · Other material eventJan 4, 2023
• Regulation FD disclosureDec 21, 2022
• Shareholder voteNov 9, 2022
• Results of operationsOct 17, 2022
• Regulation FD disclosureAug 3, 2022
• Results of operationsJul 18, 2022
• Entered a material agreement · Other material eventJun 21, 2022
• Shareholder voteMay 20, 2022

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.