Heritage Financial Group Inc
Financials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $7.6M | $11.3M | $6.8M | $3.8M | $1.4M |
| Total assets | $1.71B | $1.38B | $1.10B | $1.09B | $755.4M |
| Total liabilities | $1.55B | $1.26B | $976.9M | $965.7M | $636.1M |
| Equity | $160.0M | $125.1M | $120.6M | $124.1M | $119.3M |
| EPS (diluted) | $0.95 | $1.50 | $0.85 | $0.47 | $0.17 |
| Shares out. | 7.9M | 7.9M | 8.7M | 8.2M | 8.4M |
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
- 4.7%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.6%
- Debt / equity
- 9.66×
- Book value / share
- $20.30
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −33.1%
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
- 1.8%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. What these scores mean →
Signs
● 2 warning● 1 good- High leverage (liabilities > 70% of assets)
- Negative 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 |
|---|---|---|---|---|
| Dorminey O LeonardOfficer — President and CEO | Jul 1, 2015 | D | 76,891 | — |
| Slappey Carol WOfficer — Executive Vice President | Jul 1, 2015 | D | 87,953 | — |
| Fountain T HeathOfficer — EVP, Chief Admin. Off., CFO | Jul 1, 2015 | D | 5,600 | — |
| Burger Joseph C JrDirector | Jul 1, 2015 | D | 30,795 | — |
| Mcginley Douglas JDirector | Jul 1, 2015 | D | 30,295 | — |
| Smith O MitchellOfficer — EVP, Chief Credit Officer | Jul 1, 2015 | D | 16,999 | — |
| Land James KDirector | Jul 1, 2015 | D | 26,795 | — |
| Stanley J LeeDirector | Jul 1, 2015 | D | 23,700 | — |
| Durland David AOfficer — EVP, Chief Banking Officer | Jul 1, 2015 | D | 3,000 | — |
| Schmitt Brian DOfficer — EVP, Atlanta Mkt CEO & Dir M&A | Jul 1, 2015 | D | 5,500 | — |
| Lehr Antone DDirector | Jul 1, 2015 | D | 35,867 | — |
| Dorminey O LeonardOfficer — President and CEO | Jun 19, 2015 | Option exercise | 15,000 | $11.94 |
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 · Other material eventJul 2, 2015
- Shareholder vote · Other material eventJun 17, 2015
- Item 5.04Jun 10, 2015
- Shareholder voteMay 20, 2015
- Other material eventMay 18, 2015
- Results of operationsApr 28, 2015
- Other material eventMar 13, 2015
- Other material eventFeb 12, 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 ↗- SC 13G/AFeb 16, 2016
- 15-12BHERITAGE FINANCIAL GROUP, INC 15-12B 8-6-2015Aug 7, 2015
- 8-KFORM 8-KJul 2, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- 4FORM 4 SUBMISSIONJul 1, 2015
- S-8 POSFORM S-8 POSJul 1, 2015
Event-driven situations (1)
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