SI Financial Group, Inc.
Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $2.0M | $1.7M | $11.3M | $4.3M | $4.4M | −$855,000 |
| Total assets | $1.65B | $1.58B | $1.55B | $1.48B | $1.35B | $1.35B |
| Total liabilities | $1.48B | $1.41B | $1.39B | $1.33B | $1.19B | $1.19B |
| Equity | $172.1M | $168.5M | $164.7M | $154.3M | $157.7M | $152.8M |
| EPS (diluted) | $0.17 | $0.14 | $0.95 | $0.36 | $0.36 | $-0.08 |
| Shares out. | 12.2M | 12.2M | 12.2M | 12.8M | 12.8M | 10.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.2%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.6%
- Debt / equity
- 8.58×
- Book value / share
- $14.06
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 16.7%
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 · FY2018- Accruals / assets
- −1.1%clean
- Piotroski F-Score
- 4/6mixed
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.
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-Kmissed a reporting deadline ↗Mar 19, 2019
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- Results of operationsApr 24, 2019
- Shareholder vote · Other material eventApr 2, 2019
- Other material eventMar 7, 2019
- Other material eventFeb 28, 2019
- Completed an acquisition or dispositionFeb 28, 2019
- Entered a material agreement · Director / officer change · Other material eventDec 11, 2018
- Results of operationsOct 24, 2018
- Regulation FD disclosureSep 20, 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 ↗- S-8 POSSI FINANCIAL GROUP/BERKSHIRE HILLS BANCORP, INC. FORM S-8Sep 26, 2019
- 15-12GFORM 15 SI FINANCIAL GROUP, INC.May 28, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019
- 4FORM 4May 20, 2019