STATE BANK FINANCIAL CORP
Financials · State Commercial Banks · GA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $46.6M | $47.6M | $28.4M | $30.9M | $12.6M | — |
| Total assets | $4.96B | $4.22B | $3.47B | $2.88B | $2.61B | $2.66B |
| Total liabilities | $4.32B | $3.61B | $2.93B | $2.42B | $2.17B | $2.23B |
| Equity | $641.6M | $613.6M | $536.5M | $464.1M | $437.2M | $430.2M |
| EPS (diluted) | $1.19 | $1.28 | $0.77 | $0.93 | $0.39 | $0.69 |
| Shares out. | 38.9M | 37.1M | 35.7M | 32.1M | 31.9M | 31.7M |
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
- 7.3%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.1%
- Debt / equity
- 6.73×
- Book value / share
- $16.51
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −2.1%
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 · FY2017- Accruals / assets
- −0.5%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
● 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 change · Amended charter or bylawsJan 2, 2019
- Regulation FD disclosure · Other material eventDec 26, 2018
- Other material eventDec 10, 2018
- Other material eventNov 15, 2018
- Results of operationsOct 22, 2018
- Other material eventSep 25, 2018
- Shareholder voteSep 18, 2018
- Other material eventAug 22, 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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