Professional Holding Corp.
Financials · National Commercial Banks · FL · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY21 | FY20 | FY19 | |
|---|---|---|---|
| Revenue | — | — | — |
| Operating income | — | — | — |
| Net income | $21.4M | $8.3M | $2.3M |
| Total assets | $2.66B | $2.06B | $1.05B |
| Total liabilities | $2.43B | $1.84B | $973.8M |
| Equity | $231.5M | $215.6M | $79.3M |
| EPS (diluted) | $1.54 | $0.67 | $0.40 |
| Shares out. | 13.7M | 12.4M | 5.89B |
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
- 9.2%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.3%
- Debt / equity
- 10.51×
- Book value / share
- $16.95
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 157.2%
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 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 warning● 2 good- 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.
Material events
SEC Form 8-K · most recent- Results of operationsJan 27, 2023
- Director / officer change · Other material eventDec 28, 2022
- Shareholder voteDec 20, 2022
- Other material eventDec 9, 2022
- Director / officer changeOct 28, 2022
- Results of operations · Regulation FD disclosureOct 28, 2022
- Entered a material agreementAug 11, 2022
- Results of operations · Regulation FD disclosureJul 28, 2022
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)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.