National Interstate CORP
Financials · Fire, Marine & Casualty Insurance · OH · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|---|
| Revenue | $149.4M | $145.6M | $568.9M | $502.5M | $468.5M | $397.1M |
| Operating income | — | — | — | — | — | — |
| Net income | $7.1M | $8.1M | $17.6M | $34.3M | $35.5M | $39.5M |
| Total assets | $1.94B | $1.75B | $1.62B | $1.57B | $1.52B | $1.49B |
| Total liabilities | $1.58B | $1.39B | $1.27B | $1.22B | $1.17B | $1.18B |
| Equity | $358.9M | $362.1M | $352.3M | $353.9M | $348.9M | $308.0M |
| EPS (diluted) | $0.36 | $0.41 | $0.89 | $1.75 | $1.82 | $2.03 |
| Shares out. | 19.8M | 19.7M | 19.6M | 19.5M | 19.5M | 19.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2015- Operating margin
- —
- Net margin
- 4.8%
- Return on equity
- 2.0%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 81.5%
- Debt / equity
- 4.39×
- Book value / share
- $18.09
- Revenue growth (YoY)
- 2.6%
- Net income growth (YoY)
- −11.7%
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 · FY2015- Accruals / assets
- −6.6%clean
- Piotroski F-Score
- 3/7weak
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 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- 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.
Material events
SEC Form 8-K · most recent- Terminated a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Director / officer change · Amended charter or bylaws · Shareholder vote · Other material eventNov 10, 2016
- Other material eventNov 7, 2016
- Other material eventAug 23, 2016
- Results of operationsAug 5, 2016
- Entered a material agreement · Other material eventJul 26, 2016
- Shareholder vote · Other material eventMay 10, 2016
- Results of operationsMay 3, 2016
- Other material eventApr 6, 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 ↗- 15-12GNOTICE OF TERMINATIONNov 21, 2016
- UPLOADNov 21, 2016
- CT ORDERNov 18, 2016
- EFFECTNov 16, 2016
- EFFECTNov 16, 2016
- S-8 POSNov 15, 2016
- S-8 POSNov 15, 2016
- POS AMAMENDED S-3Nov 15, 2016
- SC 13D/ASCHEDULE 13D/A, AMENDMENT NO. 10Nov 15, 2016
- 4FORM 4Nov 14, 2016
- 4FORM 4Nov 14, 2016
- 4FORM 4Nov 14, 2016
- 4FORM 4Nov 14, 2016
- 4FORM 4Nov 14, 2016
- 4FORM 4Nov 14, 2016