Allan Stone - Valley Commerce CEO

CEO

Mr. Allan W. Stone serves as President Chief Executive Officer Director of Valley Commerce Bancorp. He was President and CEO of Valley Commerce Bancorp and Valley Business Bank since June 30 2010 since 2010.
Age 56
Tenure 14 years
Phone559-622-9000
Webhttp://www.valleybusinessbank.net
Stone served the Company as Executive Vice President and Chief Credit Officer from 1998 to 2010, and also served as Chief Operating Officer from 2009 to 2010. Prior to that, he was Senior Vice President and Chief Credit Officer for Bank of Ventura from 1994 to 1998.

Valley Commerce Management Efficiency

The company has return on total asset (ROA) of 0.0114 % which means that it generated a profit of $0.0114 on every $100 spent on assets. This is way below average. Valley Commerce's management efficiency ratios could be used to measure how well Valley Commerce manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 3.09 M in liabilities with Debt to Equity (D/E) ratio of 8.52, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Valley Commerce until it has trouble settling it off, either with new capital or with free cash flow. So, Valley Commerce'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 Valley Commerce Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Valley to invest in growth at high rates of return. When we think about Valley Commerce's use of debt, we should always consider it together with cash and equity.

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Valley Commerce Bancorp operates as the bank holding company for Valley Business Bank that offer various banking solutions and services to individuals and businesses in California. Valley Commerce Bancorp [VCBP] is a Pink Sheet which is traded between independent brokers as part of over-the-counter (OTC) trading.

Management Performance

Valley Commerce Bancorp Leadership Team

Elected by the shareholders, the Valley Commerce's board of directors comprises two types of representatives: Valley Commerce inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Valley. The board's role is to monitor Valley Commerce's management team and ensure that shareholders' interests are well served. Valley Commerce'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, Valley Commerce's outside directors are responsible for providing unbiased perspectives on the board's policies.
Donald Gilles, Director
Russell Hurley, Independent Vice Chairman of the Board
Roy Estridge, COO, CFO, Principal Accounting Officer, Executive VP, CFO of Valley Bus. Bank and Executive VP of Valley Bus. Bank
Barry Smith, Independent Director
Fred Lobue, Secretary, Director, Member of Executive Committee, Member of Audit Committee, Member of Personnel/Compensation Committee, Member of Compliance Committee, Member of Asset Liability Committee and Direcotor of Valley Bus. Bank
Walter Dwelle, Independent Chairman of the Board
William Kitchen, Chief Credit Officer and Executive VP
Allan Stone, CEO and President Director, Member of Executive Committee, Member of Asset Liability Committee and Member of Loan Committee
Kenneth Macklin, Independent Director
Philip Hammond, Independent Director

Valley Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is Valley Commerce 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.
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 Valley Commerce 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, Valley Commerce's short interest history, or implied volatility extrapolated from Valley Commerce options trading.

Also Currently Popular

Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
Check out World Market Map 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 Valley Commerce Bancorp information on this page should be used as a complementary analysis to other Valley Commerce'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 Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.

Other Consideration for investing in Valley Pink Sheet

If you are still planning to invest in Valley Commerce Bancorp 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 Valley Commerce's history and understand the potential risks before investing.
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