CMS Bancorp, Inc.
Financials · Savings Institutions, Not Federally Chartered · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $657,000 | $939,000 | −$639,000 | $229,000 | $166,000 |
| Total assets | $273.3M | $258.3M | $264.7M | $253.8M | $247.4M |
| Total liabilities | $249.5M | $235.5M | $242.7M | $231.6M | $225.6M |
| Equity | $23.9M | $22.7M | $22.0M | $22.2M | $21.8M |
| EPS (diluted) | — | — | — | — | — |
| Shares out. | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2014- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.8%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.3%
- Debt / equity
- 10.45×
- Book value / share
- $12.82
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −30.0%
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 · FY2014- Accruals / assets
- −0.4%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 warning● 2 good- 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 |
|---|---|---|---|---|
| Harrington William PDirector | Apr 28, 2015 | D | 10,992 | — |
| Weisz Robert P.Director | Apr 28, 2015 | D | 77,483 | — |
| Mooney William M JrDirector | Apr 28, 2015 | D | 5,019 | — |
| Mccrosson Matthew GDirector | Apr 28, 2015 | D | 3,750 | — |
| Strauss ChristopherOfficer — Exec. VP & Sr. Lending Officer | Apr 28, 2015 | D | 13,053 | — |
| Mazza CheriDirector | Apr 28, 2015 | D | 4,800 | — |
| Massaro Susan ADirector | Apr 28, 2015 | D | 10,295 | — |
| Cuddy William V JrDirector | Apr 28, 2015 | D | 26,350 | — |
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- Other material eventApr 9, 2015
- Shareholder voteFeb 13, 2015
- Other material eventJan 20, 2015
- Other material eventJan 16, 2015
- Other material eventJan 13, 2015
- Director / officer change · Other material eventOct 7, 2014
- Shareholder voteSep 29, 2014
- Entered a material agreement · Other material eventSep 25, 2014
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 ↗- 4FORM 4 SUBMISSIONApr 30, 2015
- 4FORM 4 SUBMISSIONApr 29, 2015
- 4FORM 4 SUBMISSIONApr 29, 2015
- 4FORM 4 SUBMISSIONApr 29, 2015
- 4FORM 4 SUBMISSIONApr 29, 2015
- 4FORM 4 SUBMISSIONApr 28, 2015
- 4FORM 4 SUBMISSIONApr 28, 2015
- 4FORM 4 SUBMISSIONApr 28, 2015
- 4FORM 4 SUBMISSIONApr 28, 2015
- 4FORM 4 SUBMISSIONApr 28, 2015
- 4FORM 4 SUBMISSIONApr 28, 2015
- 4FORM 4 SUBMISSIONApr 28, 2015
- 25-NSEApr 28, 2015
- 15-12BFORM 15-12BApr 28, 2015
- 8-KApr 9, 2015
Event-driven situations (1)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.