James Fitch - Royal Financial Chairman of the Board
Chairman
James A. Fitch is Chairman of the Board of Royal Financial Inc. He is Director since August 15, 2007 Chairman of the Board since October 1, 2007. Cofounder, owner and president of Trinity Manufacturing Corporation since 2003 President and CEO of Advance Bank and Advance Bancorp from 19982003, President and CEO of South Chicago Bank from 19911999 U.S. Army Infantry Officer, 19771991 since 2007.
| Age | 56 |
| Tenure | 17 years |
| Phone | 773 768 4800 |
| Web | https://www.royalbankweb.com |
Royal Financial Management Efficiency
The company has return on total asset (ROA) of 1.1 % which means that it generated a profit of $1.1 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 12.57 %, meaning that it created $12.57 on every $100 dollars invested by stockholders. Royal Financial's management efficiency ratios could be used to measure how well Royal Financial manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 11.75 M in liabilities. Debt can assist Royal Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Royal 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 Royal Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Royal to invest in growth at high rates of return. When we think about Royal Financial's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | 12.57 | |||
| Return On Asset | 1.1 |
Royal Financial Leadership Team
Elected by the shareholders, the Royal Financial's board of directors comprises two types of representatives: Royal Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Royal. The board's role is to monitor Royal Financial's management team and ensure that shareholders' interests are well served. Royal 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, Royal Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Jodi Ojeda, CFO, Principal Accounting Officer, Sr. VP, Secretary, CFO of Royal Saving Bank, Sr. VP of Royal Saving Bank and Secretary of Royal Saving Bank | ||
| John Dempsey, Director | ||
| Alan Bird, Director | ||
| Rodolfo Serna, Director | ||
| James Fitch, Chairman of the Board | ||
| Andrew Morua, Sr. VP of Lending, Assistant Secretary and Sr. VP of Loans of Royal Savings Bank | ||
| Michael McLaren, Director | ||
| Leonard Szwajkowski, CEO and President Director, CEO of Royal Savings Bank and President of Royal Savings Bank | ||
| William Morfoot, CFO, Senior Vice President | ||
| Kelly Wilson, Sr. VP, Sr. VP of Operations - Royal Savings Bank and Sr. VP of IT - Royal Savings Bank |
Royal Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right otc bb equity is not an easy task. Is Royal 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.
| Return On Equity | 12.57 | |||
| Return On Asset | 1.1 | |||
| Profit Margin | 31.62 % | |||
| Operating Margin | 44.94 % | |||
| Current Valuation | 33.69 M | |||
| Shares Outstanding | 2.57 M | |||
| Shares Owned By Insiders | 19.69 % | |||
| Shares Owned By Institutions | 2.10 % | |||
| Price To Earning | 8.94 X | |||
| Price To Book | 1.05 X |
Currently Active Assets on Macroaxis
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 census. Note that the Royal Financial information on this page should be used as a complementary analysis to other Royal 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 Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Other Consideration for investing in Royal OTC BB Equity
If you are still planning to invest in Royal 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 Royal Financial's history and understand the potential risks before investing.
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