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HVT-A

HAVERTY FURNITURE COMPANIES, INC
CIK 0000216085 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
53.9
composite ยท 4 signals ยท TRIGGERED

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

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Signals

P-07 ยท FY 2025-12-31 ยท TRIGGERED72.3

Pension underfunding

DB plan 0% funded โ€” -$7M deficit (2% of equity)
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2026-02-26) โ†—
Evidence โ€” inputs and thresholds
{
  "benefit_obligation": 7037000,
  "plan_assets": 0,
  "funded_ratio": 0,
  "deficit": -7037000,
  "deficit_vs_equity": 0.0229,
  "thresholds": {
    "elevated": "<90% funded",
    "triggered": "<80% funded or deficit >25% of equity"
  },
  "stale": false,
  "latest_filing_period": "2025-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/216085/000162828026012199/0001628280-26-012199-index.htm",
    "form": "10-K",
    "filed": "2026-02-26"
  }
}
P-01 ยท FY 2025-12-31 ยท CLEAN22.9

Earnings quality

Beneish M-Score -2.70 โ€” no manipulation profile
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2026-02-26) โ†—
Evidence โ€” inputs and thresholds
{
  "m_score": -2.697,
  "threshold": -1.78,
  "ratios": {
    "DSRI": 1,
    "GMI": 1.001,
    "AQI": 0.979,
    "SGI": 1.05,
    "DEPI": 0.893,
    "SGAI": 0.998,
    "LVGI": 1.014,
    "TATA": -0.051
  },
  "defaulted_to_neutral": [
    "DSRI"
  ],
  "sloan_accruals": -0.0507,
  "inputs": {
    "revenue_t": 758995000,
    "revenue_t1": 722899000,
    "total_assets_t": 649052000,
    "net_income_t": 19730000,
    "cfo_t": 52644000
  },
  "stale": false,
  "latest_filing_period": "2025-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/216085/000162828026012199/0001628280-26-012199-index.htm",
    "form": "10-K",
    "filed": "2026-02-26"
  }
}
P-05 ยท FY 2025-12-31 ยท CLEAN0.0

Tax arbitrage

ETR 26.5% โ€” within normal range of statutory
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2026-02-26) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2025-12-31": 0.2647,
    "2024-12-31": 0.237,
    "2023-12-31": 0.2254
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2025-12-31": -0.0547,
    "2024-12-31": -0.027,
    "2023-12-31": -0.0154
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2025-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/216085/000162828026012199/0001628280-26-012199-index.htm",
    "form": "10-K",
    "filed": "2026-02-26"
  }
}
P-12 ยท FY 2025-12-31 ยท CLEAN9.6

Restatement predictor

F-Score 0.29 โ€” at or below the population base rate
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2026-02-26) โ†—
Evidence โ€” inputs and thresholds
{
  "f_score": 0.288,
  "probability": 0.00106,
  "components": {
    "rsst": -0.0507,
    "drec": null,
    "dinv": 0.0196,
    "soft": 0.5339,
    "dcs": 0.0499,
    "droa": -0.0004,
    "issue": 0
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2025-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/216085/000162828026012199/0001628280-26-012199-index.htm",
    "form": "10-K",
    "filed": "2026-02-26"
  }
}