CHICOPEE BANCORP, INC.
Financials · Savings Institutions, Not Federally Chartered · MA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $313,000 | −$1.4M | $2.6M | $397,000 | $43,000 | $465,000 |
| Total assets | $678.6M | $639.2M | $587.7M | $600.0M | $616.3M | $573.7M |
| Total liabilities | $589.3M | $551.1M | $495.5M | $510.0M | $525.5M | $481.8M |
| Equity | $89.3M | $88.1M | $92.2M | $90.0M | $90.8M | $91.9M |
| EPS (diluted) | $0.06 | $-0.27 | $0.50 | $0.08 | $0.01 | $0.08 |
| Shares out. | 5.3M | 5.4M | 5.4M | 5.6M | 5.7M | 6.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2015- Operating margin
- —
- Net margin
- —
- Return on equity
- 0.4%
- Return on assets
- 0.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 86.8%
- Debt / equity
- 6.60×
- Book value / share
- $16.94
- 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.
Financial health
forensic scores · FY2015- Accruals / assets
- −0.7%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.
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 |
|---|---|---|---|---|
| Sajdak Guida ROfficer — SVP and CFO | Oct 21, 2016 | J | 1,100 | — |
| Omer Russell JOfficer — Executive Vice President | Oct 21, 2016 | J | 11,459 | — |
| Tremble Judith TDirector | Oct 21, 2016 | J | 6,636 | — |
| Picknelly Paul CDirector | Oct 21, 2016 | J | 24,136 | — |
| Orlen Gregg FDirector | Oct 21, 2016 | J | 9,136 | — |
| Masse William DDirector | Oct 21, 2016 | J | 14,136 | — |
| Lynch James PDirector | Oct 21, 2016 | J | 4,436 | — |
| Giokas William JDirector | Oct 21, 2016 | J | 4,136 | — |
| Fitzgerald Gary GDirector | Oct 21, 2016 | J | 2,300 | — |
| Bugbee James HDirector | Oct 21, 2016 | J | 4,136 | — |
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 eventSep 29, 2016
- Shareholder voteSep 28, 2016
- Regulation FD disclosureSep 19, 2016
- Results of operations · Other material eventJul 22, 2016
- Results of operations · Other material eventApr 18, 2016
- Entered a material agreement · Director / officer changeApr 7, 2016
- Other material eventApr 7, 2016
- Other material eventApr 5, 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 15-12GOct 31, 2016
- 4FORM 4Oct 25, 2016
- 4FORM 4Oct 25, 2016
- 4FORM 4Oct 25, 2016
- 4FORM 4Oct 25, 2016
- 4FORM 4Oct 25, 2016
- 4FORM 4Oct 25, 2016
- 4FORM 4Oct 25, 2016
- 4FORM 4Oct 25, 2016
- 4FORM 4Oct 25, 2016
- 4FORM 4Oct 25, 2016
- 4FORM 4Oct 25, 2016
- 25-NSEOct 21, 2016
- 8-KFORM 8-KSep 29, 2016
- 425FORM 8-KSep 29, 2016
Event-driven situations (1)
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