Jacksonville Bancorp, Inc.
Financials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $759,566 | $827,378 | $786,257 | $839,789 | $1.0M | $914,749 |
| Total assets | $325.0M | $319.3M | $308.6M | $311.9M | $318.4M | $321.4M |
| Total liabilities | $276.2M | $273.1M | $263.1M | $266.9M | $277.3M | $277.3M |
| Equity | $48.8M | $46.2M | $45.6M | $45.0M | $41.1M | $44.1M |
| EPS (diluted) | $0.42 | $0.46 | $0.44 | $0.47 | $0.54 | $0.49 |
| Shares out. | 1.8M | 0 | 1.8M | 1.8M | 0 | 1.9M |
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
- 1.6%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 85.0%
- Debt / equity
- 5.67×
- Book value / share
- $27.06
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −8.2%
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
- −1.1%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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Marks Laura AOfficer — SVP OF RETAIL BANKING | Dec 31, 2017 | Grant | 75.544 | $32.02 |
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 change · Amended charter or bylawsJun 5, 2018
- Other material eventJun 1, 2018
- Shareholder vote · Other material eventMay 23, 2018
- Other material eventMay 14, 2018
- Other material eventMay 8, 2018
- Results of operationsApr 10, 2018
- Results of operationsJan 24, 2018
- Entered a material agreement · Director / officer change · Other material eventJan 18, 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 ↗Event-driven situations (1)
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