Monarch Financial Holdings, Inc.
Financials · State Commercial Banks · VA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|---|
| Revenue | $132.5M | $110.1M | $114.2M | $136.2M | $95.2M | — |
| Operating income | — | — | — | — | — | — |
| Net income | $13.2M | $11.2M | $11.1M | $12.8M | $7.1M | $5.9M |
| Total assets | $1.16B | $1.07B | $1.02B | $1.22B | $908.8M | $825.6M |
| Total liabilities | $1.04B | $959.2M | $919.0M | $1.13B | $831.9M | $753.8M |
| Equity | $117.6M | $107.5M | $97.5M | $87.3M | $76.2M | $71.6M |
| EPS (diluted) | $1.11 | $0.96 | $0.98 | $1.25 | $0.70 | $0.75 |
| Shares out. | 10.7M | 10.6M | 10.4M | 6.0M | 7.2M | 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
- 10.0%
- Return on equity
- 11.2%
- Return on assets
- 1.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.9%
- Debt / equity
- 8.87×
- Book value / share
- $10.95
- Revenue growth (YoY)
- 20.4%
- Net income growth (YoY)
- 17.9%
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
- 1.7%clean
- Piotroski F-Score
- 4/7mixed
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- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
- Revenue is growing year-over-year
- 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 eventJun 29, 2016
- Shareholder voteJun 22, 2016
- Other material eventMay 17, 2016
- Results of operations · Other material eventApr 21, 2016
- Results of operations · Other material eventJan 27, 2016
- Entered a material agreementDec 22, 2015
- Amended charter or bylaws · Other material eventDec 17, 2015
- Results of operationsOct 22, 2015
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 ↗- 15-12BJul 5, 2016
- S-8 POSFORM S-8 POSJun 29, 2016
- S-8 POSFORM S-8 POSJun 29, 2016
- S-3DPOSJun 29, 2016
- 8-KJun 29, 2016
- 4FORM 4Jun 28, 2016
- 4FORM 4Jun 28, 2016
- 4FORM 4Jun 28, 2016
- 4FORM 4Jun 28, 2016
- 4FORM 4Jun 28, 2016
- 4FORM 4Jun 28, 2016
- 4FORM 4Jun 28, 2016
- 4FORM 4Jun 28, 2016
- 4FORM 4Jun 28, 2016
- 4FORM 4Jun 28, 2016
Event-driven situations (1)
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