MSB FINANCIAL CORP
Financials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $4.1M | $4.8M | $2.7M | $1.2M | $443,000 | $988,000 |
| Total assets | $593.1M | $584.5M | $563.0M | $461.6M | $375.7M | $340.3M |
| Total liabilities | $527.7M | $517.9M | $490.0M | $388.5M | $299.3M | $299.2M |
| Equity | $65.4M | $66.6M | $73.0M | $73.2M | $76.4M | $41.0M |
| EPS (diluted) | $0.80 | $0.90 | $0.48 | $0.20 | $0.08 | $0.18 |
| Shares out. | 5.4M | 5.7M | 5.7M | 6.0M | 6.0M | 5.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2019- Operating margin
- —
- Net margin
- —
- Return on equity
- 6.3%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.0%
- Debt / equity
- 8.07×
- Book value / share
- $12.17
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −15.1%
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 · FY2019- 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.
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 ↗Mar 15, 2019
- NT 11-Kmissed a reporting deadline ↗Jun 29, 2018
- NT 11-Kmissed a reporting deadline ↗Jun 27, 2017
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 |
|---|---|---|---|---|
| Schmitz Nancy EOfficer — Chief Credit Officer | Jul 10, 2020 | Tax withholding | 1,450 | $10.19 |
| Jolliffe Gary TDirector | Jul 10, 2020 | J | 53,061 | $0.00 |
| Russell Robert GlennOfficer — Chief Operating Officer | Jul 10, 2020 | Tax withholding | 1,361 | $10.19 |
| Bailey John J.Officer — Chief Lending Officer | Jul 10, 2020 | Tax withholding | 1,271 | $10.19 |
| Seidman Lawrence BDirector | Jul 10, 2020 | J | 73,175 | $0.00 |
| Andersen Robert CDirector | Jul 10, 2020 | J | 30,000 | $0.00 |
| Vollers Robert DDirector | Jul 10, 2020 | J | 20,919 | $0.00 |
| Gabriel H. GaryDirector | Jul 10, 2020 | J | 4,100 | $0.00 |
| Gallaway W ScottDirector | Jul 10, 2020 | J | 28,467 | $0.00 |
| Kaufman John SOfficer — Chief Financial Officer | Jun 9, 2020 | Tax withholding | 357 | $13.37 |
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- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJul 13, 2020
- Other material eventJul 1, 2020
- Other material eventJun 12, 2020
- Shareholder vote · Other material eventMay 28, 2020
- Other material eventMay 21, 2020
- Results of operationsMay 4, 2020
- Other material eventApr 21, 2020
- Amended charter or bylawsMar 25, 2020
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 ↗- 15-12BJul 20, 2020
- 4FORM 4 SUBMISSIONJul 14, 2020
- 4FORM 4 SUBMISSIONJul 14, 2020
- 4FORM 4 SUBMISSIONJul 14, 2020
- 4FORM 4 SUBMISSIONJul 14, 2020
- 4FORM 4 SUBMISSIONJul 13, 2020
- 4FORM 4 SUBMISSIONJul 13, 2020
- 4FORM 4 SUBMISSIONJul 13, 2020
- 4FORM 4 SUBMISSIONJul 13, 2020
- 4FORM 4 SUBMISSIONJul 13, 2020
- 4FORM 4 SUBMISSIONJul 13, 2020
- 4FORM 4 SUBMISSIONJul 13, 2020
- 8-KJul 13, 2020
- 25-NSEJul 10, 2020
- 8-KJul 1, 2020