DORAL FINANCIAL CORP
Financials · Commercial Banks, NEC · PR · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | −$88.3M | −$3.3M | −$10.7M | −$291.9M |
| Total assets | $8.49B | $8.48B | $7.98B | $8.65B |
| Total liabilities | $7.76B | $7.64B | $7.14B | $7.78B |
| Equity | $735.3M | $835.7M | $840.2M | $862.2M |
| EPS (diluted) | $-14.86 | $-1.99 | $-3.20 | $-2.96 |
| Shares out. | 6.6M | 128.5M | 128.5M | 127.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2013- Operating margin
- —
- Net margin
- —
- Return on equity
- −12.0%
- Return on assets
- −1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.3%
- Debt / equity
- 10.55×
- Book value / share
- $110.60
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
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
- −3.3%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 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-Kmissed a reporting deadline ↗Mar 30, 2015
- NT 10-Qmissed a reporting deadline ↗Nov 12, 2014
- NT 10-Qmissed a reporting deadline ↗Aug 12, 2014
- NT 10-Qmissed a reporting deadline ↗May 13, 2014
- NT 10-Kmissed a reporting deadline ↗Mar 18, 2014
- NT 10-Qmissed a reporting deadline ↗Aug 12, 2013
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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Ubarri Enrique ROfficer — EVP & General Counsel | Sep 11, 2013 | Sell | 3,600 | $23.25 |
| Ivanov Penko KrassimirOfficer — See Remarks | Aug 30, 2013 | Sell | 2,705 | $23.50 |
| Poulton Christopher COfficer — EVP - U.S. Operations | Aug 28, 2013 | Sell | 10,000 | $23.99 |
| Mendez Jesus FranciscoOfficer — EVP - PR Operations | Mar 27, 2013 | Grant | 75,000 | $0.00 |
| Poulton Christopher COfficer — EVP-Chief Business Dev Officer | Mar 27, 2013 | Grant | 200,000 | $0.00 |
| Wakeman GlenOfficer — President and CEO | Mar 27, 2013 | Grant | 400,000 | $0.00 |
| Ubarri Enrique ROfficer — EVP & General Counsel | Mar 27, 2013 | Grant | 50,000 | $0.00 |
| Poulton Christopher COfficer — EVP-Chief Business Dev Officer | Nov 16, 2012 | Buy | 100,000 | $0.62 |
| Poulton Christopher COfficer — EVP-Chief Business Dev Officer | Apr 30, 2012 | Grant | 200,000 | $0.00 |
| Wahlman Robert E.Officer — EVP & CF & Investment Officer | Apr 30, 2012 | Grant | 200,000 | $0.00 |
| Wakeman GlenOfficer — President and CEO | Apr 30, 2012 | Grant | 500,000 | $0.00 |
| Ubarri Enrique ROfficer — EVP & General Counsel | Apr 30, 2012 | Grant | 100,000 | $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- Delisting / listing-standard notice · Director / officer changeApr 2, 2015
- Bankruptcy or receivership · Debt acceleration / triggering event · Delisting / listing-standard notice · Director / officer change · Other material eventMar 12, 2015
- Regulation FD disclosure · Other material eventMar 6, 2015
- Other material eventMar 2, 2015
- Entered a material agreement · Bankruptcy or receivership · Other material eventMar 2, 2015
- Other material eventFeb 26, 2015
- Regulation FD disclosureFeb 25, 2015
- Regulation FD disclosureFeb 20, 2015
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 13GFeb 12, 2016
- 8-KFORM 8-KApr 2, 2015
- 25-NSEMar 31, 2015
- NT 10-KNOTIFICATION OF LATE FILINGMar 30, 2015
- 8-KMar 12, 2015
- 8-KFORM 8-KMar 6, 2015
- 8-K/AMar 2, 2015
- 8-KFORM 8-KMar 2, 2015
- 8-KMar 2, 2015
- 8-KFORM 8-KFeb 26, 2015
- 8-KFeb 25, 2015
- 8-KFeb 20, 2015
- SC 13G/ADORAL FINANCIAL CORPFeb 17, 2015
- SC 13GFeb 10, 2015
- 8-KJan 28, 2015
Event-driven situations (1)
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