Teamshares Inc. — financial distress indicators
Financial-health summary
Teamshares Inc.'s reported numbers place it in the 'Weak' financial-health band (distress score 53/100). The main indicators are negative book equity, consecutive annual losses and equity eroded by >20% in a year. In its favour: revenue still growing (+18% yoy).
Stress by dimension
Share price — last 12 months
Indicators behind the score
Each red flag shows the evidence from the company’s own filings and the financial or legal principle behind it. Points add to the 0–100 score.
Equity is zero or negative.
A financial institution with no equity cushion is technically insolvent; regulators intervene before this point.
Net loss in each of the last two years.
Sustained losses at a lender usually mean credit losses are outrunning provisions — a risk-management failure.
Book equity changed -49% YoY.
Fast equity erosion (losses, unrealised bond losses, write-downs) was the signature of the 2023 U.S. regional-bank failures.
Revenue vs net income
Cash generation
Debt vs cash vs equity
✅ Mitigating factors
- Revenue still growing (+18% YoY).
- High insider/promoter ownership (30%) aligns management with survival.
📰 Recent news scan
- A 14,000-unit director award at Teamshares (TMS) vests at one year or an earlier 2027 annual meeting. - Stock TitanGoogle News · 2026-10-09
- A 14,000-unit stock award brings Teamshares (TMS) director Richard J. Hendrix’s direct holdings to 14,000. - Stock TitanGoogle News · 2026-10-09
- Adam J. Fishman Awarded 14,000 RSUs by Teamshares Inc. in September 2026 - Kalkine MediaGoogle News · 2026-10-09
- Taiwan Semiconductor Manufacturing Company Limited (TSM) Stock Price, News, Quote & History - Yahoo! Finance CanadaGoogle News · 2026-10-06
- Teamshares (NasdaqCM:TMS) Stock Forecast & Analyst Predictions - Simply Wall StreetGoogle News · 2026-10-02
- symbol__ Stock Quote Price and Forecast - CNNGoogle News · 2026-06-25
⚖️ U.S. legal pathway — Title 11, U.S. Code
Which chapter would apply?
- Chapter 11 — reorganisation. Management usually stays in control as debtor-in-possession; the automatic stay (§362) halts collection; a plan must meet the best-interests test (§1129(a)(7)) and the absolute priority rule (§1129(b)) — creditors are paid before shareholders, who are frequently wiped out.
- Chapter 7 — liquidation. A trustee sells assets and distributes proceeds by statutory priority (§§507, 726).
- Subchapter V (“Chapter 5”) is a fast track for small-business debtors under a statutory debt cap, but SEC-reporting companies are excluded (§101(51D)) — so it rarely applies to listed companies.
What typically triggers a filing
- Payment default or covenant breach lenders will not waive; a debt maturity that cannot be refinanced.
- Auditor going-concern doubt (ASC 205-40 / PCAOB AS 2415) — often itself a default trigger in loan agreements.
- Creditors can force a case with an involuntary petition (§303) if debts are not paid as they come due.
- Delisting after sustained sub-$1 prices or equity deficits cuts off equity funding.
Transactions shortly before filing can be clawed back (preferences — 90 days, §547; fraudulent transfers — 2 years, §548).
Frequently asked questions
What do Teamshares Inc.'s financial-health indicators show?
As of 2026-10-08, Teamshares Inc.'s public financial data places it in the 'Weak' band with a distress score of 53/100, driven by negative book equity, consecutive annual losses and equity eroded by >20% in a year. This is a statistical screen of reported numbers — it does not mean the company is insolvent, has defaulted or will enter insolvency proceedings.
What is Teamshares Inc.'s financial distress score?
53/100 ('Weak').
What works in Teamshares Inc.'s favour?
Revenue still growing (+18% YoY). High insider/promoter ownership (30%) aligns management with survival.
How are shareholders treated if a company enters insolvency?
In a Chapter 11 reorganisation the absolute priority rule pays secured lenders, then unsecured creditors, before shareholders — so existing shares are usually cancelled or heavily diluted. In Chapter 7 the company is liquidated and shareholders rarely recover anything.
Other Bank & Finance companies with distress indicators
- CaliberCos Inc. (CWD)Very weak 79/100
- loanDepot, Inc. (LDI)Weak 69/100
- Pineapple Financial Inc. (PAPL)Weak 69/100
- TeraWulf Inc. (WULF)Weak 68/100
- SHF Holdings, Inc. (SHFS)Weak 67/100
- Streamex Corp. (STEX)Weak 67/100
Methodology
Score = capped sum of rule-based red flags across seven dimensions (liquidity, solvency, profitability, cash flow, sales trend, market signal, news). Ohlson O-score (1980) gives an accounting-based 1-year failure probability; Merton distance-to-default (Bharath & Shumway 2008) gives a market-implied probability. Financial institutions use a capital-based rule set. Recalculated every trading day from the latest filings, prices and news.