William Calderara - Naugatuck Valley CEO
CEO
Mr. William C. Calderara serves as the President Chief Executive Officer Director of Naugatuck Valley Financial and Naugatuck Valley Savings and Loan. From February 2008 until September 2012 Mr. Calderara served as Senior Vice PresidentChief Loan Officer of Newtown Savings Bank in Newtown Connecticut. From July 1998 to February 2008 he served as Executive Vice PresidentCorporationrate Secretary of Fairfield County Bank in Ridgefield Connecticut. Director of Naugatuck Valley Savings and of Naugatuck Valley Financial since 2012. since 2014.
| Age | 54 |
| Tenure | 10 years |
| Phone | 203-720-5000 |
| Web | http://www.nvsl.com |
Naugatuck Valley Management Efficiency
Naugatuck Valley's management efficiency ratios could be used to measure how well Naugatuck Valley manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 53.76 M in liabilities with Debt to Equity (D/E) ratio of 7.13, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Naugatuck Valley until it has trouble settling it off, either with new capital or with free cash flow. So, Naugatuck Valley'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 Naugatuck Valley Fin sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Naugatuck to invest in growth at high rates of return. When we think about Naugatuck Valley's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Asset | 0.002 |
Naugatuck Valley Fin Leadership Team
Elected by the shareholders, the Naugatuck Valley's board of directors comprises two types of representatives: Naugatuck Valley inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Naugatuck. The board's role is to monitor Naugatuck Valley's management team and ensure that shareholders' interests are well served. Naugatuck Valley'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, Naugatuck Valley's outside directors are responsible for providing unbiased perspectives on the board's policies.
| William Calderara, CEO and President Director, CEO of Naugatuck Valley Savings and Loan and President of Naugatuck Valley Savings and Loan | ||
| Carlos Batista, Independent Director | ||
| Julienne Cassarino, Director | ||
| Frederick Dlugokecki, Independent Director | ||
| Lawrence Seidman, Independent Director | ||
| James Cotter, COO, Executive VP, COO of Naugatuck Valley Savings and Loan and Executive VP of Naugatuck Valley Savings and Loan | ||
| Leonard Romaniello, Director | ||
| James Hastings, CFO, Principal Accounting Officer, Executive VP, CFO of Naugatuck Valley Savings and Loan and Executive VP of Naugatuck Valley Savings and Loan | ||
| Mark Foley, Chief Credit Policy Officer, Executive VP, Chief Credit Policy Officer of Naugatuck Valley Savings and Loan and Executive VP of Naugatuck Valley Savings and Loan | ||
| James Mengacci, Independent Director | ||
| Richard Famiglietti, Independent Director | ||
| Robert Bolton, Independent Director |
Naugatuck 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 Naugatuck Valley 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 | 0.002 | |||
| Profit Margin | 0.04 % | |||
| Operating Margin | 0.08 % | |||
| Current Valuation | 97.21 M | |||
| Shares Outstanding | 7 M | |||
| Shares Owned By Insiders | 23.41 % | |||
| Shares Owned By Institutions | 23.70 % | |||
| Number Of Shares Shorted | 10.24 K | |||
| Price To Earning | 28.89 X | |||
| Price To Book | 1.19 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 Naugatuck Valley 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, Naugatuck Valley's short interest history, or implied volatility extrapolated from Naugatuck Valley options trading.
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Other Consideration for investing in Naugatuck Stock
If you are still planning to invest in Naugatuck Valley Fin 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 Naugatuck Valley's history and understand the potential risks before investing.
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