Spirit of Texas Bancshares, Inc.
Financials · State Commercial Banks · TX · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY21 | FY20 | FY19 | FY18 | FY17 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $42.1M | $31.3M | $21.1M | $5.3M | $4.8M |
| Total assets | $3.27B | $3.08B | $2.38B | $1.48B | $1.03B |
| Total liabilities | $2.87B | $2.72B | $2.04B | $1.28B | $931.2M |
| Equity | $393.8M | $360.8M | $345.7M | $198.8M | $99.1M |
| EPS (diluted) | $2.38 | $1.77 | $1.40 | $0.34 | $0.63 |
| Shares out. | 17.1M | 18.1M | 12.2M | 12.1M | 7.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2021- Operating margin
- —
- Net margin
- —
- Return on equity
- 10.7%
- Return on assets
- 1.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.9%
- Debt / equity
- 7.29×
- Book value / share
- $22.99
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 34.3%
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 · FY2021- Accruals / assets
- −0.4%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- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsApr 11, 2022
- Director / officer changeMar 2, 2022
- Other material eventFeb 25, 2022
- Shareholder voteFeb 24, 2022
- Other material eventFeb 7, 2022
- Results of operationsJan 26, 2022
- Amended charter or bylawsJan 4, 2022
- Director / officer changeNov 24, 2021
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 ↗- 15-12BApr 18, 2022
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Event-driven situations (1)
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