Jeffrey Royal - Nicholas Financial Director

NICK Stock  USD 6.39  0.24  3.62%   

Director

Mr. Jeffrey Royal serves as Director of the company. Mr. Royal has served as a director of the Company since October 2017. Since January 2006, Mr. Royal was the President of Dundee Bank located in Omaha, Nebraska. Prior to joining Dundee Bank, he was Second Vice President of First National Bank of Omaha since 2017.
Age 41
Tenure 7 years
Address 26133 US Highway 19 North, Clearwater, FL, United States, 33763
Phone727 726 0763
Webhttps://www.nicholasfinancial.com
Royal received both his Bachelor’s and Master’s degree in Business Administration from Creighton University and completed the Stonier Graduate School of Banking at Georgetown University and the University of Pennsylvania.

Jeffrey Royal Latest Insider Activity

Tracking and analyzing the buying and selling activities of Jeffrey Royal against Nicholas Financial stock is an integral part of due diligence when investing in Nicholas Financial. Jeffrey Royal insider activity provides valuable insight into whether Nicholas Financial is net buyers or sellers over its current business cycle. Note, Nicholas Financial insiders must abide by specific rules, including filing SEC forms every time they buy or sell Nicholas Financial'sshares to prevent insider trading or benefiting illegally from material non-public information that their positions give them access to.

Nicholas Financial Management Efficiency

The company has return on total asset (ROA) of (0.3547) % which means that it has lost $0.3547 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.4706) %, meaning that it created substantial loss on money invested by shareholders. Nicholas Financial's management efficiency ratios could be used to measure how well Nicholas Financial manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is expected to rise to -0.34 this year. Return On Capital Employed is expected to rise to -0.39 this year. Liabilities And Stockholders Equity is expected to rise to about 190.6 M this year, although the value of Total Current Liabilities will most likely fall to about 31.6 M.
The company currently holds 29.11 M in liabilities with Debt to Equity (D/E) ratio of 0.66, which is about average as compared to similar companies. Nicholas Financial has a current ratio of 42.72, suggesting that it is liquid enough and is able to pay its financial obligations when due. Debt can assist Nicholas Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Nicholas 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 Nicholas Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Nicholas to invest in growth at high rates of return. When we think about Nicholas Financial's use of debt, we should always consider it together with cash and equity.

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Nicholas Financial, Inc. operates as a consumer finance company in the United States. Nicholas Financial, Inc. was founded in 1985 and is headquartered in Clearwater, Florida. Nicholas Fincl operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 215 people. Nicholas Financial (NICK) is traded on NASDAQ Exchange in USA. It is located in 26133 US Highway 19 North, Clearwater, FL, United States, 33763 and employs 8 people. Nicholas Financial is listed under Consumer Finance category by Fama And French industry classification.

Management Performance

Nicholas Financial Leadership Team

Elected by the shareholders, the Nicholas Financial's board of directors comprises two types of representatives: Nicholas Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Nicholas. The board's role is to monitor Nicholas Financial's management team and ensure that shareholders' interests are well served. Nicholas 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, Nicholas Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
Katie MacGillivary, CFO, VP of Fin. and Corporate Secretary
Douglas Marohn, President CEO
Margie Murphy, IR contact
Robin Hastings, Director
Stephen Bragin, Independent Director
Irina Nashtatik, CFO Secretary
Ralph Finkenbrink, Chairman, CEO and Pres
Jeremy Zhu, Founder
Scott Fink, Independent Director
Adam Peterson, Director
Michael Rost, Chief Officer
Kevin Bates, Sr. VP of Operations and Director
Chad Steinorth, Interim CFO, Vice President
Kelly Malson, CFO
Todd Pfister, Independent Director
Jeffrey Royal, Director

Nicholas 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 Nicholas 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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When determining whether Nicholas Financial is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Nicholas Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Nicholas Financial Stock. Highlighted below are key reports to facilitate an investment decision about Nicholas Financial Stock:
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Nicholas Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in main economic indicators.
For more information on how to buy Nicholas Stock please use our How to buy in Nicholas Stock guide.
Note that the Nicholas Financial information on this page should be used as a complementary analysis to other Nicholas 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 Equity Valuation module to check real value of public entities based on technical and fundamental data.

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When running Nicholas Financial's price analysis, check to measure Nicholas Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Nicholas Financial is operating at the current time. Most of Nicholas Financial's value examination focuses on studying past and present price action to predict the probability of Nicholas Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Nicholas Financial's price. Additionally, you may evaluate how the addition of Nicholas Financial to your portfolios can decrease your overall portfolio volatility.
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Is Nicholas Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Nicholas Financial. If investors know Nicholas will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Nicholas Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.79)
Earnings Share
(4.99)
Revenue Per Share
0.714
Quarterly Revenue Growth
(0.16)
Return On Assets
(0.35)
The market value of Nicholas Financial is measured differently than its book value, which is the value of Nicholas that is recorded on the company's balance sheet. Investors also form their own opinion of Nicholas Financial's value that differs from its market value or its book value, called intrinsic value, which is Nicholas Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Nicholas Financial's market value can be influenced by many factors that don't directly affect Nicholas Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Nicholas Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Nicholas Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Nicholas Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.