WESTERN LIBERTY BANCORP
Financials · National Commercial Banks · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY11 | FY10 | |
|---|---|---|
| Revenue | — | — |
| Operating income | — | — |
| Net income | −$14.2M | −$7.7M |
| Total assets | $198.3M | $257.5M |
| Total liabilities | $122.2M | $163.7M |
| Equity | $76.0M | $93.8M |
| EPS (diluted) | $-0.96 | $-0.65 |
| Shares out. | 13.5M | 15.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2011- Operating margin
- —
- Net margin
- —
- Return on equity
- −18.7%
- Return on assets
- −7.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 61.7%
- Debt / equity
- 1.61×
- Book value / share
- $5.65
- 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 · FY2011- Accruals / assets
- −5.7%clean
- Piotroski F-Score
- 3/6weak
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● 1 good- Negative 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- Shareholder voteOct 17, 2012
- Other material eventOct 17, 2012
- Other material eventOct 9, 2012
- Entered a material agreement · Other material eventAug 22, 2012
- Results of operationsAug 14, 2012
- Shareholder vote · Other material eventJun 22, 2012
- Director / officer changeJun 15, 2012
- Results of operations · Other material eventMay 15, 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/ANov 13, 2012
- AWWITHDRAWAL OF POST-EFFECTIVE AMENDMENT NO. 1Nov 5, 2012
- 15-12BFORM 15Nov 1, 2012
- S-8 POSPOST-EFFECTIVE AMENDMENT NO. 2 TO FORM S-8Nov 1, 2012
- POS AMPOST-EFFECTIVE AMENDMENT NO.1 TO FORM S-3Nov 1, 2012
- 25-NSEOct 18, 2012
- 8-KFORM 8-KOct 17, 2012
- 4FORM 4Oct 17, 2012
- 4FORM 4Oct 17, 2012
- 4FORM 4Oct 17, 2012
- 4FORM 4Oct 17, 2012
- 4FORM 4Oct 17, 2012
- 4FORM 4Oct 17, 2012
- 4FORM 4Oct 17, 2012
- 4FORM 4Oct 17, 2012
Event-driven situations (1)
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