COMMUNITY FINANCIAL CORP /VA/
Financials · Savings Institution, Federally Chartered · VA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY12 | FY11 | |
|---|---|---|
| Revenue | — | — |
| Operating income | — | — |
| Net income | $1.8M | $1.5M |
| Total assets | $503.9M | $530.1M |
| Total liabilities | $453.5M | $480.3M |
| Equity | $50.4M | $49.8M |
| EPS (diluted) | $0.24 | $0.18 |
| Shares out. | 4.4M | 4.4M |
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
- 3.6%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.0%
- Debt / equity
- 9.00×
- Book value / share
- $11.56
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 19.4%
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 · FY2012- Accruals / assets
- −1.9%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 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- Completed an acquisition or disposition · Shareholder voteJan 10, 2013
- Results of operationsNov 13, 2012
- Results of operationsAug 14, 2012
- Entered a material agreement · Other material eventAug 3, 2012
- Results of operationsMay 11, 2012
- Results of operationsFeb 14, 2012
- Director / officer change · Amended charter or bylawsDec 19, 2011
- Results of operationsNov 14, 2011
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 15-12GMar 21, 2013
- EFFECTMar 19, 2013
- POS AMMar 18, 2013
- S-8 POSFeb 20, 2013
- POS AMFeb 20, 2013
- 15-12G/AFORM 15-12G/AFeb 15, 2013
- SC 13G/AFeb 8, 2013
- 15-12GJan 11, 2013
- 8-KJan 10, 2013
- 25-NSEJan 10, 2013
- 4PRIMARY DOCUMENTJan 9, 2013
- 4PRIMARY DOCUMENTJan 9, 2013
- 4PRIMARY DOCUMENTJan 8, 2013
- 4PRIMARY DOCUMENTJan 4, 2013
- 4PRIMARY DOCUMENTDec 11, 2012
Event-driven situations (1)
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