Event-Driven Stocks

USBANCORP INC /PA/

Financials · Financials · SEC filings ↗ · Compare ⊕

Signs● 2 good● 2 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$14.6M$15.6M$14.5M$14.7M$15.0M$12.8M
Operating income——————
Net income$1.9M$1.9M$1.5M$7.4M$7.1M$4.6M
Total assets$1.45B$1.42B$1.39B$1.36B$1.34B$1.28B
Total liabilities$1.33B$1.32B$1.29B$1.26B$1.22B$1.18B
Equity$119.3M$107.2M$102.3M$106.2M$116.5M$104.4M
EPS (diluted)$0.12$0.11$0.09$0.14$0.41$0.27
Shares out.16.5M17.1M17.1M17.1M17.1M17.1M

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

Key ratios

from filings · FY2025
Operating margin
—
Net margin
13.0%
Return on equity
1.6%
Return on assets
0.1%
Return on capital (ROCE)
—
Liabilities / assets
91.8%
Debt / equity
11.18×
Book value / share
$7.22
Revenue growth (YoY)
−6.3%
Net income growth (YoY)
0.2%

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 · FY2025
Accruals / assets
−0.1%clean
Piotroski F-Score
5/7mixed

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
73
/ 100
Profitability 100Growth 50Catalyst 67Earnings quality 100Financial 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. What these scores mean →

Signs

● 2 warning● 2 good
  • Revenue declined year-over-year
  • 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.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

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 (2)

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