Raymond Lipman - Westbury Bancorp Chairman
Chairman
Mr. Raymond F. Lipman is Executive Chairman of the Board of Westbury Bancorp Inc. since 2005. He was employed with Westbury Bank since 1976 in a variety of roles, including as Chief Financial Officer for 15 years. He served as President from 1991 until December 31, 2014, as Chief Executive Officer from 1994 through September 30, 2015 and Chairman of the Board since 2005. Mr. Lipman has over 35 years of community banking experience. Mr. Lipman holds a degree in accounting from the University of WisconsinWhitewater since 2015.
| Age | 65 |
| Tenure | 9 years |
| Phone | 262-334-5563 |
| Web | http://www.westburybankwi.com |
Westbury Bancorp Management Efficiency
The company has Return on Asset of 0.4 % which means that on every $100 spent on assets, it made $0.4 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 3.73 %, implying that it generated $3.73 on every 100 dollars invested. Westbury Bancorp's management efficiency ratios could be used to measure how well Westbury Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.The company has 20 M in debt with debt to equity (D/E) ratio of 11.55, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Debt can assist Westbury Bancorp until it has trouble settling it off, either with new capital or with free cash flow. So, Westbury Bancorp'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 Westbury Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Westbury to invest in growth at high rates of return. When we think about Westbury Bancorp's use of debt, we should always consider it together with cash and equity.
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Management Performance
Westbury Bancorp Leadership Team
Elected by the shareholders, the Westbury Bancorp's board of directors comprises two types of representatives: Westbury Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Westbury. The board's role is to monitor Westbury Bancorp's management team and ensure that shareholders' interests are well served. Westbury Bancorp'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, Westbury Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Russell Brandt, Independent Director | ||
| Peter Lee, Executive Vice President and Chief Community Banking Officer | ||
| David Jorgensen, Director | ||
| James Spella, Director | ||
| Glenn Stadler, Chief Commercial Lending Officer, Executive VP, Chief Commercial Lending Officer of Westbury Bank and Executive VP of Westbury Bank | ||
| Terry Wendorff, Independent Director | ||
| James Mohr, Independent Director | ||
| Andrew Gumm, Lead Independent Director | ||
| Kirk Emerich, CFO, Executive VP of Investor Relations, CFO of Westbury Bank and Executive VP of Investor Relations for Westbury Bank | ||
| Donald Murn, Director | ||
| Michael Holland, Chief Credit Officer, Sr. VP, Chief Credit Officer of Westbury Bank and Sr. VP of Westbury Bank | ||
| Raymond Lipman, Executive Chairman of The Board and Chairman of Westbury Bank | ||
| Rondi RohrDralle, Independent Director | ||
| J Ziegler, Independent Director | ||
| Greg Remus, CEO and President CEO of Westbury Bank and Director | ||
| William Gehl, Vice Chairman of the Board |
Westbury 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 Westbury Bancorp 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 | 3.73 | |||
| Return On Asset | 0.4 | |||
| Profit Margin | 11.00 % | |||
| Operating Margin | 21.35 % | |||
| Current Valuation | 36.17 M | |||
| Shares Outstanding | 3.98 M | |||
| Shares Owned By Insiders | 18.66 % | |||
| Shares Owned By Institutions | 35.08 % | |||
| Number Of Shares Shorted | 1.88 K | |||
| Price To Earning | 24.83 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 Westbury Bancorp 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, Westbury Bancorp's short interest history, or implied volatility extrapolated from Westbury Bancorp 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 Your Current Watchlist 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 Westbury Bancorp information on this page should be used as a complementary analysis to other Westbury Bancorp'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 Watchlist Optimization module to optimize watchlists to build efficient portfolios or rebalance existing positions based on the mean-variance optimization algorithm.
Other Consideration for investing in Westbury Stock
If you are still planning to invest in Westbury 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 Westbury Bancorp's history and understand the potential risks before investing.
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