COMMUNITY FIRST INC
Financials · State Commercial Banks · TN · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $750,000 | $938,000 | $2.4M | $1.7M | $3.0M | −$15.1M |
| Total assets | $474.5M | $469.9M | $443.6M | $448.4M | $510.7M | $616.8M |
| Total liabilities | $444.3M | $447.0M | $432.7M | $439.8M | $500.4M | $607.2M |
| Equity | $30.2M | $23.0M | $10.9M | $8.6M | $10.3M | $9.6M |
| EPS (diluted) | $1.52 | $0.16 | $0.25 | $0.17 | $0.58 | $-4.95 |
| Shares out. | 3.3M | 3.3M | 3.3M | 3.3M | 3.3M | 3.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2016- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.5%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 93.6%
- Debt / equity
- 14.69×
- Book value / share
- $9.17
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −20.0%
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 · FY2016- Accruals / assets
- −0.7%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● 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- NT 10-Kmissed a reporting deadline ↗Apr 1, 2011
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| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Vire Dinah CDirector | Jan 1, 2018 | D | 51,083.098 | $0.00 |
| Thompson Jon MOfficer — President and CFO | Jan 1, 2018 | D | 33,896.131 | $0.00 |
| Daniel Eslick EDirector | Jan 1, 2018 | D | 9,246 | $0.00 |
| Chaffin Janice ElaineOfficer — Chief Risk Manager | Jan 1, 2018 | D | 20,113.594 | $0.00 |
| Bratton James AOfficer — Chief Credit Officer | Jan 1, 2018 | D | 22,137 | $0.00 |
| Daniel Robert EslickDirector | Jan 1, 2018 | D | 334,224 | $0.00 |
| Maguire MartinDirector | Jan 1, 2018 | D | 6,704 | $0.00 |
| Penrod Michael DavidDirector | Jan 1, 2018 | D | 121,182.526 | $0.00 |
| Vest Ruskin AlexanderDirector | Jan 1, 2018 | D | 542,850.374 | $0.00 |
| Walker Stephen FDirector | Jan 1, 2018 | D | 6,698.717 | $0.00 |
| Childress BernardDirector | Jan 1, 2018 | D | 4,040 | $0.00 |
| Maxwell Randy ADirector | Jan 1, 2018 | D | 57,946 | $0.00 |
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- Terminated a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJan 5, 2018
- Shareholder vote · Other material eventDec 15, 2017
- Entered a material agreement · Regulation FD disclosureAug 23, 2017
- Shareholder voteMay 19, 2017
- Director / officer changeMar 27, 2017
- Entered a material agreement · New financial obligation · Other material eventDec 27, 2016
- Other material eventSep 29, 2016
- Regulation FD disclosureSep 9, 2016
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 ↗- 15-12GFORM 15-12GMar 26, 2018
- EFFECTFeb 15, 2018
- S-3DPOSFORM S-3DPOSFeb 6, 2018
- POS AMFORM POS AMFeb 6, 2018
- S-8 POSFORM S-8 POSFeb 6, 2018
- S-8 POSFORM S-8 POSFeb 6, 2018
- S-8 POSFORM S-8 POSFeb 6, 2018
- S-8 POSFORM S-8 POSFeb 6, 2018
- 8-KFORM 8-KJan 5, 2018
- 4FORM 4 SUBMISSIONJan 3, 2018
- 4FORM 4 SUBMISSIONJan 3, 2018
- 4FORM 4 SUBMISSIONJan 3, 2018
- 4FORM 4 SUBMISSIONJan 3, 2018
- 4FORM 4 SUBMISSIONJan 3, 2018
- 4FORM 4 SUBMISSIONJan 3, 2018