Lee Washam - Charter Financial President of Charter Bank
President
Mr. Lee Washam is President of CharterBank, a subsidiary of Charter Financial Corporationrationration. Mr. Washam was President of CharterBank since January of 2007. Before that, he served as Executive Vice President for six years and has over 32 years of banking experience. He received his B.S. in Business Administration from LaGrange College in 1983 and is a 1995 graduate of The Graduate School of Banking at Louisiana State University since 2007.
Age | 53 |
Tenure | 17 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 |
Pair Trading with Charter 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 Charter 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 Charter Financial will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to DR Horton could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace DR Horton 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 DR Horton - 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 DR Horton to buy it.
The correlation of DR Horton 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 DR Horton moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if DR Horton 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 DR Horton 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 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 Piotroski F Score module to get Piotroski F Score based on the binary analysis strategy of nine different fundamentals.
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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