Reliant Bancorp, Inc.
Financials · State Commercial Banks · TN · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | |
|---|---|---|---|---|---|---|
| Revenue | $5.7M | $3.7M | $3.4M | $1.3M | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $31.4M | $16.2M | $14.1M | $2.1M | $2.2M | $612,000 |
| Total assets | $3.03B | $1.90B | $1.72B | $1.13B | $912.0M | $876.4M |
| Total liabilities | $2.70B | $1.68B | $1.52B | $984.9M | $805.1M | $779.7M |
| Equity | $322.0M | $223.8M | $208.4M | $140.1M | $106.9M | $96.8M |
| EPS (diluted) | $2.02 | $1.44 | $1.23 | $0.26 | $0.30 | $0.15 |
| Shares out. | 11.7M | 11.5M | 11.5M | 7.8M | 7.5M | 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 · FY2020- Operating margin
- —
- Net margin
- 546.6%
- Return on equity
- 9.8%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.4%
- Debt / equity
- 8.40×
- Book value / share
- $27.48
- Revenue growth (YoY)
- 53.4%
- Net income growth (YoY)
- 93.9%
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 · FY2020- Accruals / assets
- 3.5%clean
- Piotroski F-Score
- 2/7weak
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
● 2 warning● 2 good- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
- Revenue is growing year-over-year
- 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- Entered a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJan 3, 2022
- Shareholder voteDec 9, 2021
- Results of operations · Regulation FD disclosureOct 19, 2021
- Director / officer changeAug 3, 2021
- Results of operations · Regulation FD disclosureJul 20, 2021
- Entered a material agreement · Results of operations · Regulation FD disclosureJul 15, 2021
- Shareholder voteMay 17, 2021
- Regulation FD disclosureApr 30, 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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