Stephen Yost - Pacific Mercantile Independent Director
Director
Mr. Stephen P. Yost is the Independent Director of Pacific Mercantile Bancorp since 2013. He established Kestrel Advisors, a credit risk consulting firm that focuses on the banking, financial, and legal communities following his retirement from Comerica Bank in 2006. During his 35 plus years in banking, the vast majority of Mr. Yosts career was in credit administration. He was a Regional Chief Credit Officer for Comerica Bank and the Executive in charge of its Special Assets Group for the Western Region. Mr. Yost was the Chief Credit Officer of Imperial Bank prior to its merger with Comerica. He was also a Senior Credit Officer with First Interstate Bank and Mellon Bank, N.A. Mr. Yost is currently a director for Manhattan Bancorp and subsidiaries, and Heritage Oaks Bancop and subsidiaries. Mr. Yost chairs the directors loan committees of Pacific Mercantile Bank and Bank of Manhattan and is a member of several other standing committees since 2013.
| Age | 67 |
| Tenure | 11 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 |
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 Pacific Mercantile 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, Pacific Mercantile's short interest history, or implied volatility extrapolated from Pacific Mercantile options trading.
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 Money Managers module to screen money managers from public funds and ETFs managed around the world.
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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