Joe Covington - Monarch Financial Independent Director
Director
Mr. Joe P. Covington Jr. serves as the Independent Director of Monarch Financial Holdings Inc since 2005.
| Age | 63 |
| Tenure | 19 years |
| Phone | 757-389-5111 |
| Web | http://www.monarchbank.com |
Monarch Financial Management Efficiency
Monarch Financial's management efficiency ratios could be used to measure how well Monarch Financial manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 26 M in liabilities with Debt to Equity (D/E) ratio of 8.87, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Monarch Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Monarch 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 Monarch Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Monarch to invest in growth at high rates of return. When we think about Monarch Financial's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Asset | 0.01 |
Monarch Financial Leadership Team
Elected by the shareholders, the Monarch Financial's board of directors comprises two types of representatives: Monarch Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Monarch. The board's role is to monitor Monarch Financial's management team and ensure that shareholders' interests are well served. Monarch 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, Monarch Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Jeremy Starkey, President - Commercial Real Estate Finance of Monarch Bank | ||
| William Reilly, Market President - Norfolk of Monarch Bank | ||
| Lawton Baker, Independent Vice Chairman of the Board | ||
| Andrew Lock, Chief Risk Officer and Executive VP | ||
| Theresa Ruby, Senior Vice President Cash Management | ||
| James Ferber, President - Real Estate Finance Group of Monarch Bank | ||
| Dwight Schaubach, Independent Director | ||
| William Carr, President Peninsula Market of Monarch Bank | ||
| Jeffrey Benson, Independent Chairman of the Board | ||
| David Ropp, President Chesapeake Market of Monarch Bank | ||
| Karyn Mercier, Senior Vice President - Retail Banking of Monarch Bank | ||
| Denys Diaz, CIO and Executive VP | ||
| Elizabeth Patterson, Independent Director | ||
| David McGlaughon, President of OBX Bank | ||
| Lynette Harris, CFO, Executive VP, Treasurer and Corporate Secretary | ||
| Charles Wright, President Virginia Beach Market of Monarch Bank | ||
| Mary Anderson, Senior Vice President - Human Resources | ||
| Brad Schwartz, CEO, Director of Company & Bank | ||
| William Morrison, Director and CEO of Monarch Mortgage | ||
| Michael Kos, Senior Vice President - Business Banking | ||
| Bernard Ngo, Market President Williamsburg of Monarch Bank | ||
| Taylor Grissom, Independent Director | ||
| Robert Oman, Independent Director | ||
| Jack Lane, President - Monarch Mortgage of Monarch Bank | ||
| James Miller, Executive Vice President Mortgage COO | ||
| Barbara Guthrie, Executive Vice President Facilities | ||
| Neal Crawford, President, Director, Member of Executive Committee, Member of Director?s Loan Committee and President of Monarch Bank | ||
| Barry Mathias, Executive Vice President Chief Credit Officer | ||
| Steven Layden, President - Business Banking of Monarch Bank | ||
| Patrick Faulkner, Managing Director of Monarch Bank Private Wealth | ||
| Virginia Cross, Independent Director | ||
| Joe Covington, Independent Director |
Monarch 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 Monarch 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 Asset | 0.01 | |||
| Profit Margin | 0.10 % | |||
| Operating Margin | 0.18 % | |||
| Current Valuation | 152.97 M | |||
| Shares Outstanding | 13.04 M | |||
| Shares Owned By Insiders | 9.50 % | |||
| Shares Owned By Institutions | 29.60 % | |||
| Number Of Shares Shorted | 4 K | |||
| Price To Earning | 16.60 X | |||
| Price To Book | 1.79 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 Monarch 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, Monarch Financial's short interest history, or implied volatility extrapolated from Monarch Financial options trading.
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Other Consideration for investing in Monarch Stock
If you are still planning to invest in Monarch 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 Monarch Financial's history and understand the potential risks before investing.
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