Your Community Bankshares, Inc.
Financials · State Commercial Banks · IN · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | −$936,000 | $2.1M | $1.9M | $1.8M | $7.4M | $7.0M |
| Total assets | $1.56B | $888.7M | $846.7M | $819.5M | $797.4M | $801.5M |
| Total liabilities | $1.43B | $789.2M | $758.4M | $733.1M | $717.9M | $738.3M |
| Equity | $127.1M | $99.5M | $88.3M | $86.4M | $79.5M | $63.2M |
| EPS (diluted) | $-0.19 | $0.58 | $0.50 | $0.48 | $1.79 | $1.77 |
| Shares out. | 5.4M | 3.4M | 3.4M | 3.4M | 3.3M | 3.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2015- Operating margin
- —
- Net margin
- —
- Return on equity
- −0.7%
- Return on assets
- −0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.8%
- Debt / equity
- 11.24×
- Book value / share
- $23.63
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −144.3%
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 · FY2015- Accruals / assets
- −0.7%clean
- Piotroski F-Score
- 2/6weak
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.
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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Morley Lisa B.Officer — SVP, HR Director | Sep 9, 2016 | Option exercise | 5,672 | $0.00 |
| Young MauryOfficer — VP, Controller | Sep 9, 2016 | Option exercise | 5,000 | $0.00 |
| Wright Bill DOfficer — EVP | Sep 9, 2016 | Option exercise | 4,917 | $0.00 |
| Stemler Kerry MDirector | Sep 9, 2016 | Option exercise | 1,750 | $0.00 |
| Stemler Steven RDirector | Sep 9, 2016 | Option exercise | 1,750 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Change in controlSep 9, 2016
- Shareholder vote · Other material eventAug 19, 2016
- Results of operationsJul 25, 2016
- Shareholder vote · Regulation FD disclosureMay 19, 2016
- Entered a material agreement · Regulation FD disclosure · Other material eventMay 3, 2016
- Results of operationsApr 28, 2016
- Other material eventApr 25, 2016
- Results of operationsJan 25, 2016
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 14, 2017
- 15-12GSep 22, 2016
- 4/APRIMARY DOCUMENTSep 19, 2016
- EFFECTSep 14, 2016
- 4PRIMARY DOCUMENTSep 13, 2016
- 4PRIMARY DOCUMENTSep 13, 2016
- 4PRIMARY DOCUMENTSep 13, 2016
- 4PRIMARY DOCUMENTSep 13, 2016
- 4/APRIMARY DOCUMENTSep 13, 2016
- 4PRIMARY DOCUMENTSep 13, 2016
- 4PRIMARY DOCUMENTSep 13, 2016
- 4PRIMARY DOCUMENTSep 13, 2016
- 4PRIMARY DOCUMENTSep 13, 2016
- 4PRIMARY DOCUMENTSep 13, 2016
- 4/APRIMARY DOCUMENTSep 13, 2016