AMERITRUST GROUP, INC.
Financials · Fire, Marine & Casualty Insurance · MI · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY14 | FY13 | FY12 | FY11 | FY10 | FY09 | |
|---|---|---|---|---|---|---|
| Revenue | $742.5M | $791.2M | $996.8M | $837.2M | $750.1M | $627.6M |
| Operating income | — | — | — | — | — | — |
| Net income | $10.4M | $7.1M | $11.7M | $43.0M | $59.0M | $52.6M |
| Total assets | $2.68B | $2.76B | $2.71B | $2.37B | $2.18B | — |
| Total liabilities | $2.22B | $2.35B | $2.15B | $1.78B | $1.63B | — |
| Equity | $457.6M | $413.4M | $558.3M | $585.2M | $540.4M | $496.9M |
| EPS (diluted) | $0.21 | $0.14 | $0.23 | $0.82 | $1.09 | $0.92 |
| Shares out. | 49.9M | 49.9M | 50.9M | 51.1M | 53.2M | 57.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2014- Operating margin
- —
- Net margin
- 1.4%
- Return on equity
- 2.3%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 82.9%
- Debt / equity
- 4.86×
- Book value / share
- $9.17
- Revenue growth (YoY)
- −6.1%
- Net income growth (YoY)
- 46.2%
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
- 0.8%clean
- Piotroski F-Score
- 3/7weak
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● 3 warning● 1 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Negative 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 ↗Aug 9, 2013
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- Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylaws · Other material eventJul 8, 2015
- Other material eventJun 22, 2015
- Shareholder voteApr 27, 2015
- Other material eventApr 21, 2015
- Results of operations · Regulation FD disclosureMar 3, 2015
- Entered a material agreementDec 31, 2014
- Other material eventDec 30, 2014
- Regulation FD disclosureNov 18, 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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