STERLING FINANCIAL CORP /WA/

Operating margin

—

Net margin

—

Return on equity

1.9%

Return on assets

0.2%

Return on capital (ROCE)

—

Liabilities / assets

88.2%

Debt / equity

7.49×

Book value / share

$19.53

Revenue growth (YoY)

—

Net income growth (YoY)

70.6%

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.

Accruals / assets

−3.8%clean

Piotroski F-Score

4/6mixed

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.

• Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Other material eventApr 21, 2014
• Item 5.04 · Other material eventApr 10, 2014
• Other material eventApr 2, 2014
• Other material eventMar 19, 2014
• Shareholder vote · Other material eventFeb 26, 2014
• Other material eventFeb 19, 2014
• Results of operations · Other material eventJan 30, 2014
• Results of operations · Regulation FD disclosure · Other material eventOct 24, 2013

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.