VALLEY FINANCIAL CORP /VA/
Financials · Savings Institution, Federally Chartered · VA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $6.6M | $6.8M | $6.5M | $5.7M | $3.5M |
| Total assets | $901.4M | $825.3M | $764.6M | $773.5M | $767.6M |
| Total liabilities | $841.2M | $776.4M | $700.4M | $713.4M | $713.7M |
| Equity | $60.2M | $48.9M | $64.2M | $60.1M | $53.9M |
| EPS (diluted) | $1.35 | $1.26 | $1.14 | $1.00 | $0.54 |
| Shares out. | 4.8M | 4.8M | 4.7M | 4.7M | 4.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2014- Operating margin
- —
- Net margin
- —
- Return on equity
- 11.0%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 93.3%
- Debt / equity
- 13.96×
- Book value / share
- $12.51
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −3.5%
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 · FY2014- Accruals / assets
- −0.6%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.
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 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 · Change in controlJul 8, 2015
- Shareholder vote · Other material eventMay 29, 2015
- Other material eventMay 5, 2015
- Results of operations · Other material eventApr 24, 2015
- Results of operations · Other material eventJan 30, 2015
- Entered a material agreement · Regulation FD disclosureNov 18, 2014
- Results of operations · Other material eventOct 31, 2014
- Regulation FD disclosureOct 15, 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 ↗Event-driven situations (1)
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