David Munio - Pacific Mercantile Director
Director
Mr. David J. Munio is Director of Pacific Mercantile Bancorp. Mr. Munio has more than 40 years of experience in the banking industry. After many years in senior executive positions at First Interstate Bank, Mr. Munio banking career culminated with five years of service as the Chief Credit Officer of Wells Fargo Company. Following his retirement from Wells Fargo, he served as a director and Chairman of the Credit Policy Committee of CapitalSource Bank prior to its merger in 2014 with Pacific Western Bancorp. Mr. Munio joined Wells Fargo in 1996 and served as Executive Vice President and Chief Credit Officer from 2001 until his retirement in 2006. In this role, he was responsible for all credit policy and oversight for the bank, and also served on the board of directors at Wells Fargo Bank, N.A. Mr. Munio joined Wells Fargo as a result of its acquisition of First Interstate Bank in 1996. During his 20year career at First Interstate Bank, Mr. Munio served in a number of senior management positions including Executive Vice President Credit Policy and Administration Manager from 19871996 since 2015.
| Age | 67 |
| Tenure | 9 years |
| Professional Marks | MBA |
| Phone | 714 438-1059 |
| Web | www.pmbank.com |
Pacific Mercantile Management Efficiency
The company has return on total asset (ROA) of 0.89 % which means that it generated a profit of $0.89 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 9.12 %, meaning that it created $9.12 on every $100 dollars invested by stockholders. Pacific Mercantile's management efficiency ratios could be used to measure how well Pacific Mercantile manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 27.91 M in liabilities with Debt to Equity (D/E) ratio of 6.93, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Pacific Mercantile until it has trouble settling it off, either with new capital or with free cash flow. So, Pacific Mercantile'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 Pacific Mercantile sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Pacific to invest in growth at high rates of return. When we think about Pacific Mercantile's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | 9.12 | |||
| Return On Asset | 0.89 |
Pacific Mercantile Leadership Team
Elected by the shareholders, the Pacific Mercantile's board of directors comprises two types of representatives: Pacific Mercantile inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Pacific. The board's role is to monitor Pacific Mercantile's management team and ensure that shareholders' interests are well served. Pacific Mercantile'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, Pacific Mercantile's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Curt Christianssen, CFO, Executive VP, CFO of Pacific Mercantile Bank, Executive VP of Pacific Mercantile Bank | ||
| Paul Taylor, Director | ||
| Stephen Yost, Independent Director | ||
| Thomas Vertin, CEO and President and President of Pacific Mercantile Bank and CEO of Pacific Mercantile Bank | ||
| Robert Sjogren, IR Contact Officer | ||
| James Deutsch, Director | ||
| Robert Stevens, Chief Risk Officer and Executive VP | ||
| Denis Kalscheur, Director | ||
| Edward Carpenter, Chairman of the Board | ||
| Maxwell Sinclair, Executive Vice President Chief Compliance Officer, Chief Risk Officer | ||
| Thomas Inserra, Executive Vice President Chief Credit Officer | ||
| John Flemming, Independent Director | ||
| John Thomas, Independent Director | ||
| David Munio, Director | ||
| Warren Finley, Independent Director | ||
| Michael Hoopis, Independent Director | ||
| Romir Bosu, Director |
Pacific 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 Pacific Mercantile 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 Equity | 9.12 | |||
| Return On Asset | 0.89 | |||
| Profit Margin | 24.54 % | |||
| Operating Margin | 38.38 % | |||
| Current Valuation | (27.72 M) | |||
| Shares Outstanding | 22.32 M | |||
| Shares Owned By Insiders | 2.52 % | |||
| Shares Owned By Institutions | 72.46 % | |||
| Number Of Shares Shorted | 34 K | |||
| Price To Earning | 15.91 X |
Becoming a Better Investor with Macroaxis
Macroaxis puts the power of mathematics on your side. We analyze your portfolios and positions such as Pacific Mercantile using complex mathematical models and algorithms, but make them easy to understand. There is no real person involved in your portfolio analysis. We perform a number of calculations to compute absolute and relative portfolio volatility, correlation between your assets, value at risk, expected return as well as over 100 different fundamental and technical indicators.Build Optimal Portfolios
Align your risk with return expectations
Check out Your Equity Center 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 bureau of labor statistics. Note that the Pacific Mercantile information on this page should be used as a complementary analysis to other Pacific Mercantile'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 AI Portfolio Architect module to use AI to generate optimal portfolios and find profitable investment opportunities.
Other Consideration for investing in Pacific Stock
If you are still planning to invest in Pacific Mercantile 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 Pacific Mercantile's history and understand the potential risks before investing.
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