Poage Bankshares, Inc.
Financials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | −$2.9M | $1.8M | $3.2M | $1.8M | $2.1M | $1.6M |
| Total assets | $446.9M | $458.5M | $435.1M | $414.7M | $289.2M | $317.2M |
| Total liabilities | $385.2M | $389.8M | $363.8M | $346.6M | $231.6M | $256.6M |
| Equity | $61.7M | $68.7M | $71.2M | $68.2M | $57.7M | $60.6M |
| EPS (diluted) | $-0.84 | $0.50 | $0.87 | $0.52 | $0.69 | $0.51 |
| Shares out. | 3.7M | 3.8M | 3.8M | 3.9M | 3.4M | 3.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2017- Operating margin
- —
- Net margin
- —
- Return on equity
- −4.6%
- Return on assets
- −0.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 86.2%
- Debt / equity
- 6.24×
- Book value / share
- $16.73
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −259.8%
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
- −1.7%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-Kmissed a reporting deadline ↗Apr 2, 2018
- NT 10-Kmissed a reporting deadline ↗Apr 1, 2015
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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Gevedon Everett B.Director | Dec 7, 2018 | D | 27,175 | $0.00 |
| Akers Darryl E. | Dec 7, 2018 | D | 3,698 | $0.00 |
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- Shareholder voteOct 30, 2018
- Other material eventOct 16, 2018
- Other material eventOct 10, 2018
- Other material eventJul 16, 2018
- Entered a material agreement · Director / officer changeJul 12, 2018
- Director / officer changeMay 15, 2018
- Shareholder voteMay 15, 2018
- Other material eventApr 17, 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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