NORTH VALLEY BANCORP
Financials · State Commercial Banks · CA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $3.6M | $6.3M | $3.0M | −$6.2M |
| Total assets | $917.8M | $902.3M | $905.0M | $884.9M |
| Total liabilities | $824.3M | $806.2M | $815.5M | $801.0M |
| Equity | $93.4M | $96.2M | $89.5M | $84.0M |
| EPS (diluted) | $0.53 | $0.92 | $0.45 | $-6.42 |
| Shares out. | 6.8M | 6.8M | 6.8M | 6.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2013- Operating margin
- —
- Net margin
- —
- Return on equity
- 3.9%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.8%
- Debt / equity
- 8.82×
- Book value / share
- $13.67
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −42.4%
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 · FY2013- Accruals / assets
- −0.7%clean
- Piotroski F-Score
- 3/6weak
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.
Material events
SEC Form 8-K · most recent- Entered a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Other material eventOct 6, 2014
- Other material eventSep 5, 2014
- Shareholder voteAug 8, 2014
- Other material eventAug 1, 2014
- Results of operations · Other material eventAug 1, 2014
- Results of operations · Other material eventMay 1, 2014
- Regulation FD disclosureApr 28, 2014
- Results of operationsJan 30, 2014
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/AFeb 17, 2015
- SC 13G/AJan 22, 2015
- 15-12GFORM 15Oct 22, 2014
- EFFECTOct 21, 2014
- S-8 POSOct 6, 2014
- S-8 POSOct 6, 2014
- S-8 POSOct 6, 2014
- POS AMOct 6, 2014
- S-8 POSOct 6, 2014
- S-8 POSOct 6, 2014
- S-8 POSOct 6, 2014
- S-8 POSOct 6, 2014
- 8-KOct 6, 2014
- 4/AOWNERSHIP DOCUMENTOct 3, 2014
- 4/AOWNERSHIP DOCUMENTOct 3, 2014
Event-driven situations (1)
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