Naugatuck Valley Financial Corp
Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | −$810,000 | −$591,000 | −$2.7M | $396,000 | $1.5M |
| Total assets | $495.1M | $486.8M | $526.4M | $572.2M | $568.3M |
| Total liabilities | $434.2M | $428.5M | $459.5M | $489.9M | $516.0M |
| Equity | $60.9M | $58.2M | $66.9M | $82.3M | $52.3M |
| EPS (diluted) | $0.15 | $-1.33 | $-2.31 | — | — |
| Shares out. | 7.00B | 7.0M | 7.0M | 7.0M | 7.0M |
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
- −1.3%
- Return on assets
- −0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.7%
- Debt / equity
- 7.13×
- Book value / share
- $0.01
- 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
- −1.3%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 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 10-Qmissed a reporting deadline ↗Aug 14, 2013
- NT 10-Q/Amissed a reporting deadline ↗May 20, 2013
- NT 10-Qmissed a reporting deadline ↗May 15, 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.
Material events
SEC Form 8-K · most recent- Other material eventOct 28, 2015
- Shareholder vote · Other material eventOct 13, 2015
- Other material eventSep 29, 2015
- Director / officer changeSep 18, 2015
- Entered a material agreement · Director / officer change · Amended charter or bylawsJun 4, 2015
- Other material eventJun 4, 2015
- Shareholder voteMay 22, 2015
- Terminated a material agreement · Other material eventMay 6, 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 ↗Event-driven situations (1)
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