Randolph Bancorp, Inc.
Financials · State Commercial Banks · MA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $9.6M | $19.9M | −$51,000 | −$707,000 | −$447,000 | $2,000 |
| Total assets | $803.3M | $721.1M | $631.0M | $614.3M | $531.9M | $481.2M |
| Total liabilities | $702.4M | $621.3M | $552.5M | $536.4M | $450.4M | $397.9M |
| Equity | $100.9M | $99.8M | $78.5M | $78.0M | $81.5M | $83.3M |
| EPS (diluted) | $1.88 | $3.86 | $-0.01 | — | — | — |
| Shares out. | 5.4M | 5.6M | 5.9M | 6.0M | 5.9M | 5.9M |
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
- 9.5%
- Return on assets
- 1.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.4%
- Debt / equity
- 6.96×
- Book value / share
- $18.63
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −51.8%
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
- −14.4%clean
- Piotroski F-Score
- 4/6mixed
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 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- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsOct 7, 2022
- Other material eventSep 27, 2022
- Results of operationsJul 26, 2022
- Shareholder vote · Other material eventJun 30, 2022
- Results of operationsApr 26, 2022
- Other material eventMar 31, 2022
- Entered a material agreement · Other material eventMar 28, 2022
- Other material eventFeb 23, 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 ↗- SC 13G/ASEC SCHEDULE 13GFeb 14, 2023
- SC 13G/AFeb 8, 2023
- 15-12GOct 17, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
- 4FORM 4 SUBMISSIONOct 7, 2022
Event-driven situations (1)
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