Event-Driven Stocks

BankGuam Holding Co

Financials · Commercial Banks, NEC · GU · SEC filings ↗ · Compare ⊕

Signs● 2 good● 1 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY21FY20FY19FY18FY17FY16
Revenue——————
Operating income——————
Net income$20.5M$12.5M$16.2M$12.8M$8.5M$13.6M
Total assets$2.79B$2.35B$1.95B$1.89B$1.97B$1.92B
Total liabilities$2.61B$2.18B$1.79B$1.74B$1.83B$1.79B
Equity$180.7M$177.1M$164.2M$148.3M$138.1M$132.2M
EPS (diluted)——$1.62$1.28$0.86$1.46
Shares out.9.7M9.7M9.6M9.6M9.2M9.2M

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
11.3%
Return on assets
0.7%
Return on capital (ROCE)
—
Liabilities / assets
93.5%
Debt / equity
14.44×
Book value / share
$18.62
Revenue growth (YoY)
—
Net income growth (YoY)
64.1%

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 · FY2021
Accruals / assets
0.1%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 Score
70
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 67Financial strength 50

Our 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

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

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)