Bancorp of New Jersey, Inc.
Financials · State Commercial Banks · NJ · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $5.5M | $3.6M | $4.0M | — | — | — |
| Total assets | $883.7M | $887.4M | $822.4M | $802.9M | $743.7M | $610.8M |
| Total liabilities | $794.6M | $804.1M | $745.3M | $729.8M | $683.8M | $554.8M |
| Equity | $89.1M | $83.3M | $77.1M | $73.2M | $59.9M | $56.0M |
| EPS (diluted) | $0.77 | $0.54 | $0.64 | $0.79 | $0.70 | $0.87 |
| Shares out. | 6.9M | 6.3M | 6.2M | 6.2M | 5.4M | 5.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- —
- Net margin
- —
- Return on equity
- 6.2%
- Return on assets
- 0.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.9%
- Debt / equity
- 8.92×
- Book value / share
- $12.83
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 53.4%
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 · FY2018- Accruals / assets
- −0.8%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 · Director / officer change · Amended charter or bylaws · Other material eventJan 2, 2020
- Other material eventDec 16, 2019
- Shareholder voteDec 9, 2019
- Other material eventNov 25, 2019
- Other material eventNov 19, 2019
- Results of operationsNov 8, 2019
- Entered a material agreement · Other material eventAug 16, 2019
- Results of operations · Regulation FD disclosureAug 12, 2019
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 ↗- 15-12BCERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(B)Jan 13, 2020
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