FSB Bancorp, Inc.
Financials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY19 | FY18 | FY17 | FY16 | FY15 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | −$513,000 | $135,000 | $211,000 | $938,000 | $513,000 |
| Total assets | $323.3M | $328.3M | $314.4M | $273.7M | $255.8M |
| Total liabilities | $291.8M | $296.8M | $283.3M | $241.9M | $234.0M |
| Equity | $31.5M | $31.5M | $31.1M | $31.9M | $21.8M |
| EPS (diluted) | — | $0.07 | $0.11 | $0.49 | $0.27 |
| Shares out. | 1.9M | 1.9M | 1.9M | 1.9M | 1.8M |
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
- −1.6%
- Return on assets
- −0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.2%
- Debt / equity
- 9.25×
- Book value / share
- $16.25
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −480.0%
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
- −0.4%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. 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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Krezmer Angela MOfficer — SVP and CFO | May 1, 2020 | D | 2,000 | — |
| Gregory CherylOfficer — SVP | May 1, 2020 | D | 2,000 | — |
| Giancursio MichaelOfficer — EVP and CLO | May 1, 2020 | D | 2,500 | — |
| Dold Kathleen MOfficer — SVP | May 1, 2020 | D | 2,000 | — |
| Smith James EDirector | May 1, 2020 | D | 3,588 | — |
| Patric Lowell CDirector | May 1, 2020 | D | 11,044 | — |
| Deperrior DawnDirector | May 1, 2020 | D | 4,000 | — |
| Pender Alicia HDirector | May 1, 2020 | D | 5,088 | — |
| Meyer Stephen JohnDirector | May 1, 2020 | D | 2,500 | — |
| Maroney Kevin DOfficer — President and CEO | May 1, 2020 | D | 19,410 | — |
| Weldgen Thomas JDirector | May 1, 2020 | D | 3,200 | — |
| Gavenda Dana CDirector | May 1, 2020 | D | 19,410 | — |
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 bylawsMay 1, 2020
- Shareholder vote · Other material eventApr 21, 2020
- Results of operationsJan 30, 2020
- Entered a material agreement · Director / officer change · Other material eventDec 20, 2019
- Results of operationsOct 29, 2019
- Results of operationsJul 31, 2019
- Shareholder voteMay 23, 2019
- Results of operationsMay 1, 2019
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 ↗- 15-12BMay 11, 2020
- 15-12BMay 11, 2020
- S-8 POSPOST-EFFECTIVE AMENDMENT NO. 1 TO: FORM S-8 REGISTRATION STATEMENT NO. 333-22074May 11, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
- 4FORM 4May 1, 2020
Event-driven situations (1)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.