TWO RIVER BANCORP
Financials · State Commercial Banks · NJ · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | $1.4M | $1.5M | $1.3M | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $2.7M | $1.8M | $1.7M | $1.4M | $1.4M | $1.2M |
| Total assets | $1.10B | $1.04B | $940.2M | $863.7M | $781.2M | $769.7M |
| Total liabilities | $979.9M | $933.2M | $839.5M | $770.7M | $687.3M | $674.3M |
| Equity | $116.5M | $106.6M | $100.7M | $93.0M | $93.9M | $95.4M |
| EPS (diluted) | $0.31 | $0.21 | $0.20 | $0.17 | $0.17 | $0.13 |
| Shares out. | 8.5M | 8.4M | 7.9M | 7.9M | 7.9M | 8.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- —
- Net margin
- 187.3%
- Return on equity
- 2.3%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.4%
- Debt / equity
- 8.41×
- Book value / share
- $13.70
- Revenue growth (YoY)
- −5.9%
- Net income growth (YoY)
- 48.5%
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 · FY2018- Accruals / assets
- −1.1%clean
- Piotroski F-Score
- 5/7mixed
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. What these scores mean →
Signs
● 2 warning● 2 good- Revenue declined year-over-year
- 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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Turner Alan BOfficer — EVP & Sr. Loan Officer | Jan 1, 2020 | D | 79,111 | — |
| Mero Anthony A.Officer — EVP & COO of Subsidiary | Jan 1, 2020 | D | 19,286 | — |
| Abrahamian A RichardOfficer — EVP & CFO | Jan 1, 2020 | D | 51,523 | — |
| Moss William DOfficer — President & CEO | Jan 1, 2020 | D | 9,940 | — |
| Zager RobinDirector | Jan 1, 2020 | D | 107,128 | — |
| Vitale Andrew ADirector | Jan 1, 2020 | D | 23,391 | — |
| Perri John J JrDirector | Jan 1, 2020 | D | 111,802 | — |
| Osullivan Joseph FxDirector | Jan 1, 2020 | D | 95,546 | — |
| Lamorte William FDirector | Jan 1, 2020 | D | 26,850 | — |
| Grossman Robert BDirector | Jan 1, 2020 | D | 94,224 | — |
| Gregory Robert EDirector | Jan 1, 2020 | D | 180,883 | — |
| Butrico Charles F JrDirector | Jan 1, 2020 | D | 7,830 | — |
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- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJan 2, 2020
- Shareholder voteDec 6, 2019
- Results of operationsOct 22, 2019
- Entered a material agreement · Director / officer changeAug 13, 2019
- Terminated a material agreement · Modified shareholder rights · Other material eventAug 13, 2019
- Other material eventAug 9, 2019
- Results of operationsJul 24, 2019
- Director / officer changeJun 3, 2019
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 ↗Event-driven situations (1)
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