James Hoffman - Cortland Bancorp Independent Director
Director
Mr. James E. Hoffman, III, is Independent Director of Cortland Bancorp., since 1984. An attorney, Mr. Hoffman is President of Hoffman Walker Co., L.P.A since 1984.
| Age | 62 |
| Tenure | 40 years |
| Phone | 330 637 8040 |
| Web | http://www.cortlandbank.com |
Cortland Bancorp Management Efficiency
The company has return on total asset (ROA) of 1.24 % which means that it generated a profit of $1.24 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 12.23 %, meaning that it created $12.23 on every $100 dollars invested by stockholders. Cortland Bancorp's management efficiency ratios could be used to measure how well Cortland Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 20.63 M in liabilities with Debt to Equity (D/E) ratio of 9.81, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Cortland Bancorp until it has trouble settling it off, either with new capital or with free cash flow. So, Cortland Bancorp'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 Cortland Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Cortland to invest in growth at high rates of return. When we think about Cortland Bancorp's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | 12.23 | |||
| Return On Asset | 1.24 |
Cortland Bancorp Leadership Team
Elected by the shareholders, the Cortland Bancorp's board of directors comprises two types of representatives: Cortland Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Cortland. The board's role is to monitor Cortland Bancorp's management team and ensure that shareholders' interests are well served. Cortland Bancorp'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, Cortland Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
| David Cole, Independent Director | ||
| Neil Kaback, Independent Director | ||
| James Gasior, CEO and President Director, CEO of the Cortland Savings and Banking Company and President of the Cortland Savings and Banking Company and Director of the Cortland Savings and Banking Company | ||
| Martin Erbaugh, Director | ||
| David Lucido, CFO, Chief Accounting Officer, Sr. VP, CFO of the Cortland Savings and Banking Company and Sr. VP of the Cortland Savings and Banking Company | ||
| Stanley Feret, Chief Lending Officer, Sr. VP, Chief Lending Officer of the Cortland Savings and Banking Company and Sr. VP of the Cortland Savings and Banking Company | ||
| Thomas Perciak, Director | ||
| Timothy Woofter, Independent Director | ||
| Anthony Vross, Independent Director | ||
| James Hoffman, Independent Director | ||
| Joseph Langhenry, Independent Director | ||
| Richard Thompson, Independent Director | ||
| Josheph Koch, Independent Director | ||
| Timothy Carney, Chief Operations Officer, Executive VP, Corporate Secretary, Director, Secretary of The Cortland Savings and Banking Company, Executive VP of The Cortland Savings and Banking Company, Chief Operations Officer of The Cortland Savings and Banking Company and Director of The Cortland Savings and Banking Company | ||
| Deborah Eazor, IR Contact |
Cortland 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 Cortland Bancorp 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 | 12.23 | |||
| Return On Asset | 1.24 | |||
| Profit Margin | 30.74 % | |||
| Operating Margin | 37.53 % | |||
| Current Valuation | 67.41 M | |||
| Shares Outstanding | 4.22 M | |||
| Shares Owned By Insiders | 12.66 % | |||
| Shares Owned By Institutions | 17.36 % | |||
| Number Of Shares Shorted | 4.17 K | |||
| Price To Earning | 12.33 X |
Pair Trading with Cortland Bancorp
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 Cortland Bancorp 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 Cortland Bancorp will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to Archer Daniels could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Archer Daniels 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 Archer Daniels - 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 Archer Daniels Midland to buy it.
The correlation of Archer Daniels 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 Archer Daniels moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Archer Daniels Midland 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 Archer Daniels 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 unemployment. Note that the Cortland Bancorp information on this page should be used as a complementary analysis to other Cortland Bancorp'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 Insider Screener module to find insiders across different sectors to evaluate their impact on performance.
Other Consideration for investing in Cortland Stock
If you are still planning to invest in Cortland Bancorp 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 Cortland Bancorp's history and understand the potential risks before investing.
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