PVF CAPITAL CORP
Financials · Savings Institution, Federally Chartered · OH · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY13 | FY12 | |
|---|---|---|
| Revenue | — | — |
| Operating income | — | — |
| Net income | $9.1M | −$1.9M |
| Total assets | $777.9M | $791.4M |
| Total liabilities | $696.9M | $721.3M |
| Equity | $81.0M | $70.1M |
| EPS (diluted) | $0.34 | $-0.08 |
| Shares out. | 25.9M | 25.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2013- Operating margin
- —
- Net margin
- —
- Return on equity
- 11.2%
- Return on assets
- 1.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.6%
- Debt / equity
- 8.60×
- Book value / share
- $3.13
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
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
- 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.
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-Qmissed a reporting deadline ↗Feb 9, 2009
- NT 11-Kmissed a reporting deadline ↗Jul 1, 2002
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 controlOct 11, 2013
- Shareholder vote · Other material eventSep 26, 2013
- Results of operations · Other material eventJul 31, 2013
- Director / officer changeJul 5, 2013
- Results of operations · Other material eventApr 24, 2013
- Director / officer changeFeb 26, 2013
- Entered a material agreementFeb 22, 2013
- Regulation FD disclosure · Other material eventFeb 19, 2013
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.