VECTA INC.
Financials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | |
|---|---|---|---|---|---|---|
| Revenue | — | $75,000 | $77,000 | $93,000 | $97,000 | $90,500 |
| Operating income | — | — | — | — | — | — |
| Net income | −$202,722 | −$1.3M | −$235,628 | −$338,156 | $52,106 | −$327,049 |
| Total assets | $91.9M | $94.4M | $97.5M | $86.2M | $79.7M | $84.9M |
| Total liabilities | $75.6M | $84.8M | $85.9M | $74.8M | $68.8M | $73.7M |
| Equity | $16.3M | $9.6M | $11.6M | $11.4M | $10.9M | $11.3M |
| EPS (diluted) | $-0.01 | — | — | — | — | — |
| Shares out. | 793,500 | 793,500 | 793,500 | 793,500 | 793,500 | 793,500 |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2022- Operating margin
- —
- Net margin
- —
- Return on equity
- −1.2%
- Return on assets
- −0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 82.2%
- Debt / equity
- 4.63×
- Book value / share
- $20.56
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
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 · FY2022- Accruals / assets
- 0.4%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 severe● 2 warning● 1 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Negative 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-Qmissed a reporting deadline ↗Nov 15, 2023
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 |
|---|---|---|---|---|
| Silber Mark MDirector | Jun 30, 2023 | Grant | 2.0M | $1.27 |
| Silber Mark MDirector | Jun 29, 2022 | Grant | 222,222 | $20.25 |
| Silber Moshe MarkDirector | Jun 1, 2022 | Buy | 773,464 | $20.25 |
| Sullivan Timothy D.Officer — President & CEO | Jun 1, 2022 | D | 9,500 | — |
| Mirtuono GerardinaOfficer — SVP and COO | Jun 1, 2022 | D | 4,750 | — |
| Elliot Deborah J.Director | Jun 1, 2022 | D | 7,500 | — |
| Montgomery Walter G.Director | Jun 1, 2022 | D | 1,000 | — |
| Boeckelman WilliamDirector | Jun 1, 2022 | D | 3,746 | — |
| Lipkus Edward J. IiiOfficer — Chief Financial Officer | Jun 1, 2022 | D | 1,250 | — |
| Montgomery Walter G.Director | Jan 30, 2019 | Sell | 400 | $11.45 |
| Montgomery Walter G.Director | May 27, 2016 | Buy | 40 | $12.50 |
| Lyons DesmondDirector | May 16, 2016 | Buy | 450 | $11.75 |
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- Entered a material agreement · Unregistered equity saleJul 7, 2023
- Changed auditor · Director / officer changeMay 30, 2023
- Entered a material agreement · Unregistered equity sale · Amended charter or bylawsJul 21, 2022
- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Regulation FD disclosureJun 6, 2022
- Other material eventMay 3, 2022
- Shareholder voteNov 10, 2021
- Shareholder voteAug 30, 2021
- Entered a material agreement · Director / officer changeAug 26, 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 ↗Event-driven situations (1)
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