Colonial Financial Services, Inc.
Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $535,000 | −$1.8M | −$1.7M | $815,000 | $3.9M |
| Total assets | $541.6M | $583.2M | $623.6M | $603.8M | $590.3M |
| Total liabilities | $477.8M | $524.0M | $555.6M | $532.1M | $520.9M |
| Equity | $63.8M | $59.2M | $68.0M | $71.7M | $69.4M |
| EPS (diluted) | $0.01 | $0.13 | $0.06 | $0.20 | $0.97 |
| Shares out. | 3.9M | 3.9M | 4.0M | 4.0M | 4.2M |
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
- 0.8%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.2%
- Debt / equity
- 7.48×
- Book value / share
- $16.54
- 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 · FY2014- Accruals / assets
- −0.1%clean
- Piotroski F-Score
- 6/6mixed
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. What these scores mean →
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- Other material eventApr 3, 2015
- Shareholder vote · Other material eventMar 19, 2015
- Other material eventMar 9, 2015
- Other material eventJan 29, 2015
- Entered a material agreementSep 11, 2014
- Shareholder voteMay 16, 2014
- Director / officer changeMar 28, 2014
- Prior financials not reliable (restatement) · Other material eventJan 23, 2014
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 ↗- 8-KFORM 8-KApr 3, 2015
- 25-NSEApr 1, 2015
- 15-12BFORM 15 FOR COLONIALApr 1, 2015
- 10-KFORM 10-KMar 30, 2015
- 8-KFORM 8-KMar 19, 2015
- 8-KFORM 8-KMar 9, 2015
- DEFM14ADEFINITIVE PROXY STATEMENTFeb 13, 2015
- SC 13G/AFeb 2, 2015
- SC 13G/AJan 30, 2015
- 8-KFORM 8-KJan 29, 2015
- SC 13G/ASCHEDULE 13G (AMENDMENT NO. 4)Jan 29, 2015
- 4PRIMARY DOCUMENTDec 22, 2014
- UPLOADDec 22, 2014
- 4PRIMARY DOCUMENTDec 10, 2014
- 10-QFORM 10-QNov 3, 2014
Event-driven situations (1)
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