Karyn Mercier - Monarch Financial President

President

Karyn Mercier is Senior Vice President - Retail Banking of Monarch Bank of Monarch Financial Holdings since 2005.
Age 53
Tenure 19 years
Phone757-389-5111
Webhttp://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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Monarch Financial Holdings, Inc. operates as the bank holding company for Monarch Bank that offer various commercial and retail banking solutions and services for businesses, professionals, corporate executives, and individuals. Monarch Financial Holdings (MNRK) is traded on NASDAQ Exchange in USA and employs 648 people.

Management Performance

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.

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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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