Encore Bancshares Inc

Operating margin

—

Net margin

—

Return on equity

4.2%

Return on assets

0.5%

Return on capital (ROCE)

—

Liabilities / assets

88.6%

Debt / equity

7.78×

Book value / share

$14.88

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.

Accruals / assets

−1.5%clean

Piotroski F-Score

5/6mixed

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.

• Other material eventJun 13, 2012
• Other material eventMay 31, 2012
• Shareholder vote · Other material eventMay 14, 2012
• Other material eventMay 1, 2012
• Results of operationsApr 27, 2012
• Entered a material agreementMar 9, 2012
• Other material eventMar 6, 2012
• Results of operationsJan 27, 2012

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