Event-Driven Stocks

First Choice Bancorp

Financials · State Commercial Banks · CA · SEC filings ↗ · Compare ⊕

Signs● 3 good● 1 warningdetails ↓

Financials

SEC XBRL · annual
 FY20FY19FY18FY17
Revenue$2.1M$2.1M$1.4M$602,000
Operating income————
Net income$29.0M$27.8M$15.1M$7.4M
Total assets$2.28B$1.69B$1.62B$903.8M
Total liabilities$2.00B$1.43B$1.37B$798.1M
Equity$280.7M$261.8M$248.1M$105.7M
EPS (diluted)$2.47$2.36$1.64$1.02
Shares out.11.7M11.6M11.7M7.3M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2020
Operating margin
—
Net margin
1363.0%
Return on equity
10.3%
Return on assets
1.3%
Return on capital (ROCE)
—
Liabilities / assets
87.7%
Debt / equity
7.13×
Book value / share
$24.02
Revenue growth (YoY)
0.0%
Net income growth (YoY)
4.0%

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 · FY2020
Accruals / assets
0.0%clean
Piotroski F-Score
2/7weak

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 Score
70
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 67Financial strength 50

Our 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● 3 good
  • High leverage (liabilities > 70% of assets)
  • Revenue is growing year-over-year
  • 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
0 acquisitions4 disposalsnet −782,452.235 shares · last 4
InsiderDateTypeSharesPrice
Thong PhillipDirectorJul 21, 2021D5,884.575$0.00
Pranav PravinDirectorJul 21, 2021D24,516.715$0.00
Hui PeterDirectorJul 21, 2021D733,375.946$0.00
Gray James HDirectorJul 21, 2021D18,675$0.00

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

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)

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