Oneida Financial Corp.
Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $1.9M | $1.9M | $5.8M | $5.7M | $3.8M |
| Total assets | $798.2M | $742.5M | $681.4M | $663.7M | $661.6M |
| Total liabilities | $702.4M | $651.8M | $588.4M | $575.8M | $575.7M |
| Equity | $95.8M | $90.6M | $93.0M | $87.9M | $83.4M |
| EPS (diluted) | $0.28 | $0.28 | $0.84 | $0.82 | $0.53 |
| Shares out. | 7.0M | 7.0M | 6.9M | 7.0M | 7.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2014- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.0%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.0%
- Debt / equity
- 7.33×
- Book value / share
- $13.63
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −0.3%
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 · FY2014- Accruals / assets
- −0.6%clean
- Piotroski F-Score
- 3/6weak
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 control · Director / officer changeDec 10, 2015
- Other material eventNov 19, 2015
- Results of operationsOct 29, 2015
- Other material eventSep 28, 2015
- Other material eventSep 24, 2015
- Results of operationsJul 30, 2015
- Other material eventJun 24, 2015
- Shareholder voteJun 19, 2015
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.