Mitchell Derenzo - American River CFO
CFO
Mr. Mitchell A. Derenzo is Chief Financial Officer, Executive Vice President of American River Bankshares since 1995. He is Chief Financial Officer of American River Bank since 1992.merican River Bankshares since 1995 since 1995.
| Age | 55 |
| Tenure | 29 years |
| Phone | 916 851 0123 |
| Web | http://www.americanriverbank.com |
American River Management Efficiency
The company has return on total asset (ROA) of 1.0 % which means that it generated a profit of $1.0 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 9.58 %, meaning that it created $9.58 on every $100 dollars invested by stockholders. American River's management efficiency ratios could be used to measure how well American River manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 13.79 M in liabilities with Debt to Equity (D/E) ratio of 6.37, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist American River until it has trouble settling it off, either with new capital or with free cash flow. So, American River's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like American River Bankshares sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for American to invest in growth at high rates of return. When we think about American River's use of debt, we should always consider it together with cash and equity.
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Management Performance
American River Bankshares Leadership Team
Elected by the shareholders, the American River's board of directors comprises two types of representatives: American River inside directors who are chosen from within the company, and outside directors, selected externally and held independent of American. The board's role is to monitor American River's management team and ensure that shareholders' interests are well served. American River's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, American River's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Dan McGregor, Executive Vice President and Chief Credit Officer | ||
| Robert Fox, Independent Director | ||
| William Robotham, Independent Director | ||
| David Taber, CEO and President Director, Member of Executive Committee, CEO of American River Bank and President of American River Bank | ||
| Marie Crayne, Interim Chief Credit Officer | ||
| Kimberly Box, Independent Director | ||
| Loren Hunter, Chief Credit Officer, Executive VP, Chief Credit Officer of American River Bank and Executive VP of American River Bank | ||
| Mitchell Derenzo, CFO, Principal Accounting Officer, Executive VP, CFO of American River Bank and Executive VP of American River Bank | ||
| Philip Wright, Independent Director | ||
| Dennis Raymond, Executive Vice President Chief Lending Officer | ||
| Kim Box, Independent Director | ||
| David Ritchie, President CEO, Director | ||
| Stephen Waks, Corporate Secretary, Director, Chairman of Fin. and Capital Committee, Member of Executive Committee and Member of Nominating Committee | ||
| Kevin Bender, COO and Executive VP | ||
| Charles Fite, Independent Chairman of the Board | ||
| Nicolas Anderson, Director | ||
| Roger Taylor, Independent Vice Chairman of the Board | ||
| Jeffery Owensby, Director | ||
| Michael Ziegler, Independent Director |
American Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is American River a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 9.58 | |||
| Return On Asset | 1.0 | |||
| Profit Margin | 29.99 % | |||
| Operating Margin | 44.40 % | |||
| Current Valuation | 6.26 M | |||
| Shares Outstanding | 5.97 M | |||
| Shares Owned By Insiders | 10.16 % | |||
| Shares Owned By Institutions | 43.67 % | |||
| Number Of Shares Shorted | 2.93 K | |||
| Price To Earning | 14.86 X |
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards American River in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, American River's short interest history, or implied volatility extrapolated from American River options trading.
Pair Trading with American River
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if American River position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in American River will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to 3M could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace 3M when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back 3M - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling 3M Company to buy it.
The correlation of 3M is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as 3M moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if 3M Company moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for 3M can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Trending Equities to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in metropolitan statistical area. You can also try the USA ETFs module to find actively traded Exchange Traded Funds (ETF) in USA.
Other Consideration for investing in American Stock
If you are still planning to invest in American River Bankshares check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the American River's history and understand the potential risks before investing.
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