CAMCO FINANCIAL CORP
Financials · Savings Institutions, Not Federally Chartered · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY12 | FY11 | FY10 | |
|---|---|---|---|
| Revenue | — | — | — |
| Operating income | — | — | — |
| Net income | $413,000 | $652,000 | −$14.6M |
| Total assets | $764.3M | $767.0M | $815.0M |
| Total liabilities | $704.5M | $721.4M | $768.9M |
| Equity | $59.7M | $45.6M | $46.1M |
| EPS (diluted) | $0.06 | $0.09 | $-2.02 |
| Shares out. | 7.2M | 7.2M | 7.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2012- Operating margin
- —
- Net margin
- —
- Return on equity
- 0.7%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 92.2%
- Debt / equity
- 11.80×
- Book value / share
- $8.29
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −36.7%
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 · FY2012- Accruals / assets
- −1.3%clean
- Piotroski F-Score
- 5/6mixed
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 17, 2009
- NT 11-Kmissed a reporting deadline ↗Jun 30, 2006
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- Delisting / listing-standard notice · Modified shareholder rights · Other material eventMar 6, 2014
- Shareholder voteFeb 20, 2014
- Results of operationsJan 30, 2014
- Terminated a material agreement · Other material eventNov 1, 2013
- Results of operationsOct 29, 2013
- Changed auditorOct 18, 2013
- Entered a material agreementOct 11, 2013
- Changed auditorAug 30, 2013
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 ↗- SC 13G/AAQR CAPITAL MANAGEMENT LLCFeb 17, 2015
- 15-12GFORM 15-12GMar 10, 2014
- 8-KFORM 8-KMar 6, 2014
- 25-NSEFeb 28, 2014
- 4FORM 4 SUBMISSIONFeb 25, 2014
- 4FORM 4 SUBMISSIONFeb 25, 2014
- 4FORM 4 SUBMISSIONFeb 25, 2014
- 4FORM 4 SUBMISSIONFeb 25, 2014
- 4/AFORM 4/A SUBMISSIONFeb 25, 2014
- 4FORM 4 SUBMISSIONFeb 25, 2014
- 4FORM 4 SUBMISSIONFeb 25, 2014
- 4FORM 4 SUBMISSIONFeb 21, 2014
- 4FORM 4 SUBMISSIONFeb 21, 2014
- 4FORM 4 SUBMISSIONFeb 21, 2014
- 4FORM 4 SUBMISSIONFeb 21, 2014
Event-driven situations (1)
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