TALMER BANCORP, INC.
Financials · National Commercial Banks · MI · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | |
|---|---|---|---|
| Revenue | — | — | — |
| Operating income | — | — | — |
| Net income | $9.4M | −$3.8M | $60.5M |
| Total assets | $6.60B | $5.87B | $4.55B |
| Total liabilities | $5.87B | $5.11B | $3.93B |
| Equity | $725.2M | $761.6M | $617.0M |
| EPS (diluted) | $0.12 | $0.52 | $0.89 |
| Shares out. | 70.9M | 75.2M | 69.7M |
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
- 1.3%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.0%
- Debt / equity
- 8.10×
- Book value / share
- $10.22
- 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
- −2.0%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.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Other material eventAug 31, 2016
- Director / officer change · Regulation FD disclosure · Other material eventAug 10, 2016
- Regulation FD disclosureAug 2, 2016
- Other material eventAug 1, 2016
- Results of operations · Other material eventJul 27, 2016
- Shareholder voteJul 14, 2016
- Other material eventJul 11, 2016
- Other material eventJul 7, 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 ↗- SC 13G/AAMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIPFeb 14, 2017
- SC 13G/AFeb 13, 2017
- 15-12BTALMER FORM 15Sep 12, 2016
- SC TO-I/ATALMER SC TO-I/ASep 1, 2016
- S-8 POSTALMER FORM S-8 POSSep 1, 2016
- 4OWNERSHIP DOCUMENTAug 31, 2016
- 25-NSEAug 31, 2016
- 4OWNERSHIP DOCUMENTAug 31, 2016
- 4OWNERSHIP DOCUMENTAug 31, 2016
- 4OWNERSHIP DOCUMENTAug 31, 2016
- 4OWNERSHIP DOCUMENTAug 31, 2016
- 4OWNERSHIP DOCUMENTAug 31, 2016
- 4OWNERSHIP DOCUMENTAug 31, 2016
- 4OWNERSHIP DOCUMENTAug 31, 2016
- 4OWNERSHIP DOCUMENTAug 31, 2016
Event-driven situations (1)
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