First California Financial Group, Inc.
Financials · State Commercial Banks · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY12 | FY11 | FY10 | |
|---|---|---|---|
| Revenue | — | — | — |
| Operating income | — | — | — |
| Net income | $2.6M | $15.6M | $117,000 |
| Total assets | $1.89B | $1.81B | $1.52B |
| Total liabilities | $1.65B | $1.59B | $1.32B |
| Equity | $234.1M | $223.1M | $198.0M |
| EPS (diluted) | $0.08 | $0.54 | $-0.02 |
| Shares out. | 29.2M | 29.2M | 28.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2012- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.1%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.6%
- Debt / equity
- 7.06×
- Book value / share
- $8.00
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −83.4%
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 · FY2012- Accruals / assets
- −0.8%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. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- 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.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗May 18, 2009
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Dalmau GilbertOfficer — EVP, Chief Banking Officer | May 31, 2013 | D | 17,128 | — |
| Schack William AOfficer — EVP, CHIEF CREDIT OFFICER | May 31, 2013 | D | 101,052 | — |
| Kum Chong GukOfficer — President & CEO | May 31, 2013 | D | 419,294 | — |
| Santarosa RomoloOfficer — See Remarks | May 31, 2013 | D | 176,755 | — |
| Benson Donald EDirector | May 31, 2013 | D | 94,687 | — |
| Birchfield John WDirector | May 31, 2013 | D | 487,496 | — |
| Aldridge Richard DDirector | May 31, 2013 | D | 414,003 | — |
| Gipson Robert EDirector | May 31, 2013 | D | 64,719 | — |
| Cohen Joseph NDirector | May 31, 2013 | D | 34,561 | — |
| Tignino ThomasDirector | May 31, 2013 | D | 32,306 | — |
| Hubenette AntoinetteDirector | May 31, 2013 | D | 21,936 | — |
| Brown BradleyOfficer — EVP, Chief Risk Officer | May 31, 2013 | D | 49,364 | — |
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- Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer changeJun 7, 2013
- Shareholder voteMar 21, 2013
- Other material eventMar 18, 2013
- Costs from exit or disposal · Material impairmentFeb 20, 2013
- Regulation FD disclosureFeb 4, 2013
- Director / officer changeJan 7, 2013
- Entered a material agreementNov 9, 2012
- Other material eventNov 7, 2012
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/AFeb 11, 2014
- SC 13D/ASCHEDULE 13D AMENDMENT NO. 17Jun 20, 2013
- 15-12GJun 14, 2013
- EFFECTJun 13, 2013
- EFFECTJun 13, 2013
- S-8 POSJun 7, 2013
- S-8 POSJun 7, 2013
- S-8 POSJun 7, 2013
- POS AMJun 7, 2013
- POS AMJun 7, 2013
- 8-KJun 7, 2013
- 25-NSEJun 3, 2013
- 4OWNERSHIP DOCUMENTMay 31, 2013
- 4FORM 4May 31, 2013
- 4FORM 4May 31, 2013
Event-driven situations (1)
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