CHARTER FINANCIAL CORP
Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $14.4M | $11.9M | $5.6M | $6.0M | $6.3M | $5.0M |
| Total assets | $1.64B | $1.44B | $1.03B | $1.01B | $1.09B | $1.03B |
| Total liabilities | $1.43B | $1.24B | $822.1M | $785.4M | $815.6M | $889.7M |
| Equity | $214.2M | $203.1M | $204.9M | $225.0M | $273.8M | $142.5M |
| EPS (diluted) | $0.95 | $0.79 | $0.34 | $0.28 | $0.30 | $0.26 |
| Shares out. | 15.1M | 15.0M | 15.9M | 17.0M | 22.8M | 19.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2017- Operating margin
- —
- Net margin
- —
- Return on equity
- 6.7%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 86.9%
- Debt / equity
- 6.66×
- Book value / share
- $14.17
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 21.7%
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 · FY2017- Accruals / assets
- −0.3%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 11-Kmissed a reporting deadline ↗Jul 2, 2013
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 |
|---|---|---|---|---|
| Darden Jane WDirector | Sep 1, 2018 | D | 76,819 | — |
| Kollar Curtis ROfficer — SVP and CFO | Sep 1, 2018 | D | 127,399 | — |
| Lane Thomas MDirector | Sep 1, 2018 | D | 79,982 | — |
| Cauble David Z IiiDirector | Sep 1, 2018 | D | 78,826 | — |
| Johnson Curti M.Officer — SVP and General Counsel | Sep 1, 2018 | D | 135,083 | — |
| Smith Edward D.Director | Sep 1, 2018 | D | 41,152 | — |
| Strobel DavidDirector | Sep 1, 2018 | D | 55,182 | — |
| Washam LeeOfficer — President | Sep 1, 2018 | D | 117,597 | — |
| Johnson Robert Lee /Ga/Officer — CEO | Sep 1, 2018 | D | 350,999 | — |
| Cauble David Z IiiDirector | Aug 21, 2018 | Option exercise | 6,235 | $8.18 |
| Lane Thomas MDirector | Aug 21, 2018 | Option exercise | 6,235 | $8.18 |
| Strobel DavidDirector | Aug 21, 2018 | Option exercise | 10,503 | $10.89 |
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- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer changeSep 4, 2018
- Shareholder vote · Other material eventAug 21, 2018
- Results of operationsJul 26, 2018
- Entered a material agreement · Amended charter or bylaws · Other material eventApr 24, 2018
- Results of operations · Other material eventApr 24, 2018
- Shareholder voteFeb 16, 2018
- Regulation FD disclosureFeb 14, 2018
- Results of operations · Other material eventJan 26, 2018
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/AFeb 13, 2019
- 4FORM 4 SUBMISSIONSep 5, 2018
- 4FORM 4 SUBMISSIONSep 5, 2018
- 4FORM 4 SUBMISSIONSep 5, 2018
- 4FORM 4 SUBMISSIONSep 5, 2018
- 4FORM 4 SUBMISSIONSep 5, 2018
- 4FORM 4 SUBMISSIONSep 5, 2018
- 4FORM 4 SUBMISSIONSep 5, 2018
- 4FORM 4 SUBMISSIONSep 5, 2018
- 4FORM 4 SUBMISSIONSep 5, 2018
- 15-12BFORM 15-12BSep 4, 2018
- S-8 POSSep 4, 2018
- S-8 POSSep 4, 2018
- 8-KFORM 8-KSep 4, 2018
- 25-NSEAug 31, 2018
Event-driven situations (1)
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