FIRST M&F CORP/MS
Financials · State Commercial Banks · MS · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY12 | FY11 | FY10 | |
|---|---|---|---|
| Revenue | — | — | — |
| Operating income | — | — | — |
| Net income | $7.0M | $4.4M | $4.0M |
| Total assets | $1.60B | $1.57B | $1.60B |
| Total liabilities | $1.48B | $1.46B | $1.50B |
| Equity | $118.4M | $109.6M | $107.1M |
| EPS (diluted) | $0.54 | $0.28 | $1.66 |
| Shares out. | 9.2M | 9.2M | 9.1M |
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
- 5.9%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 92.6%
- Debt / equity
- 12.52×
- Book value / share
- $12.94
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 59.7%
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
- −1.2%clean
- Piotroski F-Score
- 6/6mixed
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-Qmissed a reporting deadline ↗May 11, 2009
- NT 11-Kmissed a reporting deadline ↗Jun 29, 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 · Change in controlSep 3, 2013
- Item 5.04 · Other material eventAug 16, 2013
- Results of operations · Regulation FD disclosureJul 19, 2013
- Regulation FD disclosureJul 1, 2013
- Shareholder voteJun 26, 2013
- Other material eventJun 11, 2013
- Other material eventMay 3, 2013
- Results of operations · Regulation FD disclosureApr 18, 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 ↗- 15-12GFORM 15-12GNov 4, 2014
- EFFECTSep 11, 2013
- EFFECTSep 10, 2013
- POS AMS3 REGISTRATION NO. 333-76611Sep 10, 2013
- 4FORM 4 SUBMISSIONSep 5, 2013
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Event-driven situations (1)
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