NB&T FINANCIAL GROUP INC
Financials · Commercial Banks, NEC · OH · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $4.2M | $3.9M | $3.8M | $8.8M |
| Total assets | $638.3M | $651.1M | $675.6M | $690.6M |
| Total liabilities | $570.3M | $580.3M | $604.8M | $619.6M |
| Equity | $68.0M | $70.8M | $70.8M | $71.0M |
| EPS (diluted) | $1.24 | $1.13 | $1.11 | $2.58 |
| Shares out. | 3.4M | 3.4M | 3.4M | 3.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2013- Operating margin
- —
- Net margin
- —
- Return on equity
- 6.2%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.3%
- Debt / equity
- 8.38×
- Book value / share
- $19.92
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 9.4%
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 · FY2013- Accruals / assets
- −1.3%clean
- Piotroski F-Score
- 5/6mixed
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 · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer changeMar 10, 2015
- Shareholder voteMar 4, 2015
- Other material eventFeb 18, 2015
- Results of operations · Regulation FD disclosure · Other material eventJan 20, 2015
- Other material eventDec 16, 2014
- Results of operations · Regulation FD disclosure · Other material eventOct 21, 2014
- Director / officer changeSep 19, 2014
- Other material eventSep 16, 2014
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 15Mar 16, 2015
- 8-KCURRENT REPORTMar 10, 2015
- 4FINAL REPORTMar 6, 2015
- 4FINAL FILINGMar 6, 2015
- 4PEOPLES MERGERMar 6, 2015
- 4FINAL FILINGMar 6, 2015
- 4FINAL FILINGMar 6, 2015
- 4FINAL FILINGMar 6, 2015
- 4FINAL FILINGMar 6, 2015
- 4FINAL FILINGMar 6, 2015
- 4FINAL FILINGMar 6, 2015
- 4FINAL FILINGMar 6, 2015
- 4FINAL FILINGMar 6, 2015
- 4FINAL FILINGMar 6, 2015
- 4FINAL FILINGMar 6, 2015
Event-driven situations (1)
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