MAYSHIGH SIGNALFINANCIAL10-K

Current liabilities spiked 223% to $7.9M while cash declined 40%, creating a potential liquidity strain despite improved operating performance.

The massive increase in current liabilities combined with declining cash represents a significant deterioration in MAYS' short-term liquidity position that could impact the company's ability to meet near-term obligations. While operating losses improved substantially and cash flow from operations increased 76%, the company faces immediate financial pressure from the liability surge.

Comparing 2025-10-23 vs 2024-10-24View on EDGAR →
FINANCIAL ANALYSIS

MAYS showed mixed financial performance with strong operational improvements—operating losses narrowed 75% and operating cash flow increased 76%—but faced severe liquidity deterioration as current liabilities tripled while cash fell 40%. The company reduced total debt by 17% and substantially improved its loss position, yet the dramatic spike in short-term obligations against a declining cash base creates immediate financial stress that overshadows the operational progress. This combination suggests potential working capital management issues or timing of major obligations that investors should monitor closely.

FINANCIAL STATEMENT CHANGES
Current Liabilities
Balance Sheet
+223.4%
$2.5M$7.9M

Current liabilities surged 223.4% — significant near-term obligations; verify ability to meet short-term debt.

Operating Cash Flow
Cash Flow
+75.7%
$1.4M$2.5M

Operating cash flow surged 75.7% — exceptional cash generation, highest quality earnings signal.

Operating Income
P&L
+75.1%
-$620K-$154K

Operating leverage kicking in — revenue growth outpacing cost growth, a hallmark of scaling businesses.

Net Interest Income
P&L
-69.5%
$88K$27K

Net interest income declined 69.5% — margin compression from rate changes or funding cost increases.

Net Income
P&L
+66.5%
-$407K-$136K

Net income grew 66.5% — bottom-line growth signals improving overall business health.

Provision for Credit Losses
P&L
+47.2%
$80K$118K

Credit loss provisions surged 47.2% — management flagging significant deterioration in loan quality ahead.

Cash & Equivalents
Balance Sheet
-39.8%
$1.2M$749K

Cash declined 39.8% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Total Debt
Balance Sheet
-16.5%
$3.9M$3.2M

Debt reduced 16.5% — deleveraging strengthens balance sheet and reduces financial risk.

LANGUAGE CHANGES
NEW — 2025-10-23
PRIOR — 2024-10-24
ADDED
(Exact Name of Registrant as Specified in Its Charter) New York State or Other Jurisdiction of Incorporation or Organization 11-1059070 I.R.S.
Shulman 83 President November, 1978 Chairman of the Board and Chief Executive Officer November, 1996 Ward N.
The SEC maintains a website that contains reports, proxy and information statements, and other information regarding our filings at http://www.sec.gov.
The Company s actual results, performance or achievements in the future could differ significantly from the results, performance or achievements discussed or implied in such forward-looking statements herein and in prior filings by the Company.
The controlling shareholder group includes a corporation that owns a significant percentage of the Company s common stock and which does business with the Company, as further described in the Notes to the Consolidated Financial Statements contained in the 2025 Annual Report to Shareholders.
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REMOVED
(Exact Name of Registrant as Specified in Its Charter) New York State or Other Jurisdiction of Incorporation or Organization 9 Bond Street , Brooklyn , New York Address of Principal Executive Offices 11-1059070 I.R.S.
Shulman 82 President November, 1978 Chairman of the Board, Chief Executive Officer and President November, 1996 Ward N.
The Company s actual results, performance or achievements in the future could differ significantly from the results, performance or achievements discussed or implied in such forward-looking statements herein and in prior U.
Securities and Exchange Commission ( SEC ) filings by the Company.
We also may be subject to environmental liability as an owner or operator of properties.
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