SEVERN BANCORP INC
Financials · National Commercial Banks · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $6.7M | $8.3M | $8.6M | $2.8M | $15.5M | $4.5M |
| Total assets | $952.6M | $826.0M | $974.2M | $804.8M | $787.5M | $762.1M |
| Total liabilities | $842.9M | $721.4M | $875.8M | $713.7M | $699.6M | $675.6M |
| Equity | $109.6M | $104.6M | $97.7M | $91.1M | $87.9M | $86.5M |
| EPS (diluted) | $0.52 | $0.64 | $0.67 | $0.21 | $1.15 | $0.21 |
| Shares out. | 12.8M | 12.8M | 12.2M | 12.1M | 10.1M | 10.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2020- Operating margin
- —
- Net margin
- —
- Return on equity
- 6.1%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.5%
- Debt / equity
- 7.69×
- Book value / share
- $8.56
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −19.0%
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 · FY2020- Accruals / assets
- 2.8%clean
- Piotroski F-Score
- 1/6weak
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● 2 warning● 1 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Negative 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 19, 2019
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- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Amended charter or bylawsNov 1, 2021
- Shareholder vote · Regulation FD disclosureOct 22, 2021
- Regulation FD disclosureAug 24, 2021
- Results of operationsJul 27, 2021
- Regulation FD disclosureMay 25, 2021
- Amended charter or bylawsApr 30, 2021
- Results of operationsApr 23, 2021
- Entered a material agreement · Other material eventMar 4, 2021
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 11, 2022
- 15-12GNov 8, 2021
- 8-KFORM 8-KNov 1, 2021
- 25-NSEOct 29, 2021
- S-8 POSOct 29, 2021
- S-8 POSOct 29, 2021
- S-8 POSOct 29, 2021
- 4OWNERSHIP DOCUMENTOct 26, 2021
- 425Oct 22, 2021
- 8-KFORM 8-KOct 22, 2021
- 4OWNERSHIP DOCUMENTOct 21, 2021
- 4OWNERSHIP DOCUMENTOct 14, 2021
- 4OWNERSHIP DOCUMENTOct 14, 2021
- 4OWNERSHIP DOCUMENTOct 8, 2021
- 4OWNERSHIP DOCUMENTSep 28, 2021
Event-driven situations (1)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.