BAY BANCORP, INC.
Financials · State Commercial Banks · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $956,808 | $186,399 | $1.9M | $81,735 | $121,280 | $388,114 |
| Total assets | $659.0M | $620.3M | $491.2M | $479.9M | $419.1M | $133.2M |
| Total liabilities | $587.1M | $554.4M | $423.5M | $413.3M | $364.5M | $101.4M |
| Equity | $71.9M | $65.7M | $67.7M | $66.6M | $54.6M | $31.8M |
| EPS (diluted) | $0.09 | $0.02 | $0.03 | $0.01 | $0.02 | $0.07 |
| Shares out. | 10.5M | 11.1M | 11.0M | 9.4M | 2.6M | 2.6M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2017- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.3%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.1%
- Debt / equity
- 8.17×
- Book value / share
- $6.82
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 413.3%
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 · FY2017- Accruals / assets
- −0.2%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. 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 31, 2017
- NT 10-Qmissed a reporting deadline ↗Nov 14, 2016
- NT 10-Qmissed a reporting deadline ↗Aug 14, 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.
Material events
SEC Form 8-K · most recent- Other material eventMar 30, 2018
- Shareholder vote · Other material eventMar 28, 2018
- Other material eventMar 9, 2018
- Other material eventFeb 21, 2018
- Results of operationsJan 31, 2018
- Other material eventJan 3, 2018
- Results of operationsOct 27, 2017
- Entered a material agreement · Regulation FD disclosure · Other material eventSep 27, 2017
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 ↗- 15-12GApr 26, 2018
- S-8 POSApr 25, 2018
- S-8 POSApr 25, 2018
- S-8 POSApr 25, 2018
- S-8 POSApr 25, 2018
- S-8 POSApr 25, 2018
- SC 13D/AApr 24, 2018
- SC 13D/AApr 23, 2018
- 4PRIMARY DOCUMENTApr 18, 2018
- 4/APRIMARY DOCUMENTApr 18, 2018
- 4/APRIMARY DOCUMENTApr 18, 2018
- 4/APRIMARY DOCUMENTApr 18, 2018
- 3/APRIMARY DOCUMENTApr 18, 2018
- 4PRIMARY DOCUMENTApr 16, 2018
- 4PRIMARY DOCUMENTApr 16, 2018
Event-driven situations (1)
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