Paragon Commercial CORP

Operating margin

—

Net margin

—

Return on equity

2.1%

Return on assets

0.2%

Return on capital (ROCE)

—

Liabilities / assets

90.9%

Debt / equity

10.05×

Book value / share

$24.97

Revenue growth (YoY)

—

Net income growth (YoY)

23.0%

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.

Accruals / assets

−0.7%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.

• Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Other material eventJan 30, 2018
• Shareholder voteJan 12, 2018
• Shareholder voteDec 4, 2017
• Results of operationsOct 27, 2017
• Results of operationsJul 19, 2017
• Director / officer changeMay 2, 2017
• Entered a material agreement · Results of operationsMay 1, 2017
• Regulation FD disclosureFeb 28, 2017

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.