Cordia Bancorp Inc
Financials · State Commercial Banks · VA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $590,000 | −$412,000 | $696,000 | −$544,000 |
| Total assets | $348.5M | $318.6M | $235.1M | $178.7M |
| Total liabilities | $320.8M | $291.5M | $221.9M | $165.6M |
| Equity | $27.7M | $27.1M | $13.3M | $13.1M |
| EPS (diluted) | $0.09 | $-0.09 | $0.27 | $-0.32 |
| Shares out. | 6.5M | 2.8M | 2.8M | 2.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2015- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.1%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 92.0%
- Debt / equity
- 11.56×
- Book value / share
- $4.26
- 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 · FY2015- Accruals / assets
- −0.2%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 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 ↗Aug 14, 2015
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 |
|---|---|---|---|---|
| Zlatin David SDirector | Aug 31, 2016 | D | 5,011 | $0.00 |
| Wright John PardeeDirector | Aug 31, 2016 | D | 52,562 | $0.00 |
| Thomson Todd SDirector | Aug 31, 2016 | D | 80,686 | $0.00 |
| Barham O R JrOfficer — Pres. & CEO - Bank of Virginia | Aug 31, 2016 | D | 12,357 | $0.00 |
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- Other material eventAug 31, 2016
- Shareholder vote · Other material eventAug 15, 2016
- Shareholder voteMay 26, 2016
- Entered a material agreement · Other material eventMay 20, 2016
- Results of operationsMay 16, 2016
- Results of operationsMar 3, 2016
- Entered a material agreement · Director / officer changeMar 2, 2016
- Director / officer changeNov 13, 2015
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 ↗Event-driven situations (1)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.