David Cauble - Charter Financial Independent Director
Director
Mr. David Z. Cauble, III, is Independent Director of Charter Financial Corporationrationration. Mr. Cauble is selfemployed as a food service consultant and investor. He was the Owner and President of VendAll Company in LaGrange, Georgia, until its sale in 1996. Previously he was Vice PresidentSales in his familys CocaCola Bottling business. He is a graduate of Washington Lee University, serves as Chairman of Cobb Foundation, and is a member of Young Presidents Organization. As a manager and owner of several businesses and as an investor, Mr. Cauble provides the Board of Directors with insight concerning the opportunities and risks associated with lending to commercial companies and small businesses. since 1996.
| Age | 62 |
| Tenure | 28 years |
| Phone | 706 645-1391 |
| Web | www.charterbank.net |
Charter Financial Management Efficiency
Charter Financial's management efficiency ratios could be used to measure how well Charter Financial manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 66.84 M in liabilities with Debt to Equity (D/E) ratio of 6.08, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Charter Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Charter 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 Charter Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Charter to invest in growth at high rates of return. When we think about Charter Financial's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | 0.0498 | |||
| Return On Asset | 0.0073 |
Charter Financial Leadership Team
Elected by the shareholders, the Charter Financial's board of directors comprises two types of representatives: Charter Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Charter. The board's role is to monitor Charter Financial's management team and ensure that shareholders' interests are well served. Charter 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, Charter Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Bonnie Bonner, Assistant Corporate Secretary | ||
| Edward Smith, Independent Director | ||
| Jane Darden, Independent Director | ||
| David Cauble, Independent Director | ||
| Lee Washam, President of Charter Bank | ||
| Curtis Kollar, CFO, Sr. VP, Treasurer, CFO of Charter Bank, Sr. VP of Charter Bank and Treasurer of Charter Bank | ||
| Thomas Lane, Independent Director | ||
| David Strobel, Independent Director | ||
| Curti Johnson, Sr. VP, General Counsel, Director, Sr. VP of Charterbank, General Counsel of Charterbank and Director of Charter Bank | ||
| Robert Johnson, Chairman, CEO and President and CEO of Charter Bank |
Charter 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 Charter 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 | 0.0498 | |||
| Return On Asset | 0.0073 | |||
| Profit Margin | 0.14 % | |||
| Operating Margin | 37.45 % | |||
| Current Valuation | 254.21 M | |||
| Shares Outstanding | 14.68 M | |||
| Shares Owned By Insiders | 14.72 % | |||
| Shares Owned By Institutions | 66.45 % | |||
| Number Of Shares Shorted | 30.9 K | |||
| Price To Earning | 22.42 X |
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 census. Note that the Charter Financial information on this page should be used as a complementary analysis to other Charter Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Performance Analysis module to check effects of mean-variance optimization against your current asset allocation.
Other Consideration for investing in Charter Stock
If you are still planning to invest in Charter 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 Charter Financial's history and understand the potential risks before investing.
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