Robert Moise - Carolina Financial Independent Director
Director
Mr. Robert M. Moise, CPA, is an Independent Director of the Carolina Financial Corporationration, Mr. Mose recently retired as a partner with WebsterRogers LLP in Charleston, South Carolina and serves as a consultant to that firm. He holds BS in Accounting and Master of Accountancy degrees from the University of South Carolina and was admitted to practice before the United States Tax Court. He serves as the Immediate Past President of the Coastal Council Boy Scouts of America, is a member of the Coastal Boys Council Board and currently serves as the Sea Scout Commodore for the Council. He is a volunteer at Camp Happy Days, a summer camp for children with cancer. He is a member of the American Institute of Certified Public Accountants, having served on their national Tax Practice Responsibilities Committee and is a member of the South Carolina Association of Certified Public Accountants. Mr. Mose served as Chairman of the Charleston County Business License Appeals Board. In his professional practice, Mr. Mose has, after leaving the Internal Revenue Service, worked with national and local accounting firms and has concentrated his practice in the tax area with an emphasis on tax controversy matters and complicated mergers, acquisitions and liquidations for many clients around the state. Mr. Mose brings to the board his 40 years of financial expertise and business skills. Mr. Moses finance and accounting expertise also qualify him to serve as Chairman of the Companys Audit Committee and to be considered an audit committee financial expert. since 1996.
| Age | 69 |
| Tenure | 28 years |
| Phone | 843 723-7700 |
| Web | http://www.haveanicebank.com |
Carolina Financial Management Efficiency
Carolina Financial's management efficiency ratios could be used to measure how well Carolina Financial manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 482.43 M in liabilities with Debt to Equity (D/E) ratio of 9.08, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Carolina Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Carolina Financial'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 Carolina Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Carolina to invest in growth at high rates of return. When we think about Carolina Financial's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | 0.0011 | |||
| Return On Asset | 1.0E-4 |
Carolina Financial Leadership Team
Elected by the shareholders, the Carolina Financial's board of directors comprises two types of representatives: Carolina Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Carolina. The board's role is to monitor Carolina Financial's management team and ensure that shareholders' interests are well served. Carolina Financial'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, Carolina Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| David Morrow, Executive VP, Executive VP of Crescom Bank, Director, Member of Mergers and Acquisitions Committee, Member of Executive Committee and Director of Crescom Bank | ||
| Melton Huggins, Executive Vice President Secretary | ||
| Benedict Rosen, Independent Director | ||
| Thompson Penney, Independent Director | ||
| Fowler Williams, Director | ||
| Howell Bellamy, Independent Director | ||
| Weldon Brandon, Independent Director | ||
| Robert Moise, Independent Director | ||
| William Gehman, CFO, Executive Vice President | ||
| Michael Leddy, Independent Director | ||
| Graham Eubank, Independent Director | ||
| Jerold Rexroad, President CEO, Director | ||
| Jeffery Deal, Independent Director | ||
| Frederick Holscher, Director | ||
| M Huggins, Executive Vice President Secretary | ||
| Scott Brandon, Independent Director | ||
| Lindsey Crisp, Director | ||
| Claudius Watts, Independent Chairman of the Board | ||
| Robert Clawson, Independent Director | ||
| Bonum Wilson, Independent Director | ||
| Gary Griffin, Director | ||
| Daniel Isaac, Director | ||
| Beverly Ladley, Director |
Carolina 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 Carolina Financial 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 | 0.0011 | |||
| Return On Asset | 1.0E-4 | |||
| Profit Margin | 0 % | |||
| Operating Margin | 52.34 % | |||
| Current Valuation | 1.33 B | |||
| Shares Outstanding | 22.24 M | |||
| Shares Owned By Insiders | 5.12 % | |||
| Shares Owned By Institutions | 58.04 % | |||
| Number Of Shares Shorted | 336.12 K | |||
| Price To Earning | 11.74 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 Carolina Financial 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, Carolina Financial's short interest history, or implied volatility extrapolated from Carolina Financial options trading.
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 Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.
Other Consideration for investing in Carolina Stock
If you are still planning to invest in Carolina Financial 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 Carolina Financial's history and understand the potential risks before investing.
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