1st United Bancorp, Inc.
Financials · State Commercial Banks · FL · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $1.6M | $780,000 | $3.7M | $1.6M |
| Total assets | $1.85B | $1.57B | $1.42B | $1.27B |
| Total liabilities | $1.62B | $1.33B | $1.21B | $1.09B |
| Equity | $230.1M | $236.7M | $215.4M | $173.5M |
| EPS (diluted) | $0.05 | $0.03 | $0.13 | $0.06 |
| Shares out. | 34.1M | 30.6M | 30.6M | 24.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2013- Operating margin
- —
- Net margin
- —
- Return on equity
- 0.7%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.5%
- Debt / equity
- 7.02×
- Book value / share
- $6.75
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 107.7%
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 · FY2013- Accruals / assets
- −0.6%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.
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 controlNov 3, 2014
- Results of operationsOct 30, 2014
- Shareholder voteSep 10, 2014
- Regulation FD disclosureJul 30, 2014
- Shareholder voteMay 29, 2014
- Entered a material agreement · Director / officer changeMay 8, 2014
- Other material eventMay 8, 2014
- Regulation FD disclosureApr 21, 2014
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.