Susan Brown - Commercial Bancshares Sr. VP of Retail Banking
SVP
Ms. Susan E. Brown is Senior Vice President Retail Banking of Commercial Bancshares Inc. Ms. Brown serves as Senior Vice President Retail Banking having served in that capacity since July 2002. Prior to assuming her current position she served as Regional President of the Northern Region of the Bank having been appointed to that position February 1 2001. She joined the Bank during 1998 as Vice President of Retail Banking Services. Her prior banking experience covers 32 years including serving as District Retail Manager for Bank One for six years. since 2002.
| Age | 67 |
| Tenure | 22 years |
| Phone | 419-294-5781 |
| Web | http://www.csbanking.com |
Commercial Bancshares Management Efficiency
Commercial Bancshares' management efficiency ratios could be used to measure how well Commercial Bancshares manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 6.57 M in liabilities with Debt to Equity (D/E) ratio of 8.44, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Commercial Bancshares until it has trouble settling it off, either with new capital or with free cash flow. So, Commercial Bancshares' 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 Commercial Bancshares sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Commercial to invest in growth at high rates of return. When we think about Commercial Bancshares' use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Asset | 0.01 |
Commercial Bancshares Leadership Team
Elected by the shareholders, the Commercial Bancshares' board of directors comprises two types of representatives: Commercial Bancshares inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Commercial. The board's role is to monitor Commercial Bancshares' management team and ensure that shareholders' interests are well served. Commercial Bancshares' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Commercial Bancshares' outside directors are responsible for providing unbiased perspectives on the board's policies.
| Daniel Berg, Vice Chairman of the Board | ||
| Steven Strine, Chief Lending Officer, Sr. VP, Chief Lending Officer of Commercial Savings Bank and Sr. VP of Commercial Savings Bank | ||
| Deborah Grafmiller, Independent Director | ||
| Scott Oboy, CFO, Executive VP, CFO of Commercial Savings Bank and Executive VP of Commercial Savings Bank | ||
| Kurt Kimmel, Independent Director | ||
| Stanley Kinnett, Chairman of the Board | ||
| Susan Brown, Sr. VP of Retail Banking | ||
| Bruce Beck, Sr. VP of Risk Management, Staff Counsel, Sr. VP of Risk Management of Commercial Savings Bank and Staff Counsel of Commercial Savings Bank | ||
| John Bremyer, Independent Director | ||
| Robert Beach, CEO and President Director, CEO of Commercial Savings Bank and President of Commercial Savings Bank and Director of Commercial Savings Bank | ||
| Mark Dillon, Independent Director | ||
| Lynn Child, Director | ||
| Lee Sisler, Independent Director |
Commercial Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is Commercial Bancshares 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 Asset | 0.01 | |||
| Profit Margin | 0.22 % | |||
| Operating Margin | 0.35 % | |||
| Current Valuation | 17.34 M | |||
| Shares Outstanding | 1.2 M | |||
| Shares Owned By Insiders | 14.07 % | |||
| Shares Owned By Institutions | 1.30 % | |||
| Price To Earning | 17.99 X | |||
| Price To Book | 1.81 X | |||
| Price To Sales | 4.38 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 Commercial Bancshares 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, Commercial Bancshares' short interest history, or implied volatility extrapolated from Commercial Bancshares options trading.
Pair Trading with Commercial Bancshares
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 Commercial Bancshares 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 Commercial Bancshares will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to Discover Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Discover Financial 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 Discover Financial - 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 Discover Financial Services to buy it.
The correlation of Discover Financial 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 Discover Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Discover Financial 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 Discover Financial 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 persons. 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 Commercial Pink Sheet
If you are still planning to invest in Commercial Bancshares 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 Commercial Bancshares' history and understand the potential risks before investing.
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