Thompson Penney - Carolina Financial Independent Director

Director

Mr. Thompson E. Penney serves as Independent Director of the company., Mr. Penney is the Chairman of the Board and PresidentCEO of LS3P, a multidisciplinary firm offering architecture, planning, and interior architecture services to clients throughout the United States. With more than 320 personnel throughout eight offices in the Carolinas and Georgia, he is responsible for overall firm management, organizational vision, and successful integration of professional services, marketing, and operations of the firm. Mr. Penney has more than 45 years of experience in the architectural field and under his leadership, LS3P has grown to become a firm consistently recognized by Engineering News and Record as one of the Top 200 Design Firms and Top 20 Architectural Firms in the United States. A graduate of Clemson University with a bachelors degree and masters degree in architecture, Penney received the Alumni Distinguished Service Award from Clemson University, 2019 inductee in the College of Architecture, Arts and Humanities Hall of Fame, was recipient of the AIA South Carolina Medal of Distinction, its highest honor, he has received the Joseph P. Riley Leadership Award from the Charleston Metro Chamber and was honored with the Award for Ethics and Civic Responsibility from The Free Enterprise Foundation. Mr. Penney generously volunteers his time to his profession and community, having served as National President of The American Institute of Architects Chairman of the Charleston Metro Chamber of Commerce, and CoChair of the National AIAAGC Joint Committee. He is also on the Boards of the Charleston Regional Development Alliance, the AIA Large Firm Roundtable, and is Vice Chair of the Trident CEO Council. His qualification as a member of the Board of Directors is attributed to his business expertise within the Companys market areas. since 2013.
Age 67
Tenure 11 years
Phone843 723-7700
Webhttp://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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Carolina Financial Corporation operates as a holding company for CresCom Bank that provides a range of commercial and retail banking financial services in South Carolina and North Carolina. Carolina Financial Corporation was incorporated in 1996 and is based in Charleston, South Carolina. Carolina Financial operates under BanksRegional classification in USA and is traded on BATS Exchange. It employs 836 people. Carolina Financial (CARO) is traded on NASDAQ Exchange in USA and employs 836 people.

Management Performance

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.
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.

Pair Trading with Carolina Financial

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 Carolina Financial 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 Carolina Financial will appreciate offsetting losses from the drop in the long position's value.
The ability to find closely correlated positions to Cigna Corp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Cigna Corp 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 Cigna Corp - 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 Cigna Corp to buy it.
The correlation of Cigna Corp 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 Cigna Corp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Cigna Corp 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 Cigna Corp 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.
Pair CorrelationCorrelation Matching
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 Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.

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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