Charles Howard - West Suburban Independent Director
Director
Mr. Charles P. Howard is an Independent Director of West Suburban Bancorp, Inc., since 1994 since 1994.
Age | 60 |
Tenure | 30 years |
Phone | 630 652 2000 |
Web | http://www.westsuburbanbank.com |
West Suburban Management Efficiency
The company has return on total asset (ROA) of 0.42 % which means that it generated a profit of $0.42 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 4.59 %, meaning that it created $4.59 on every $100 dollars invested by stockholders. West Suburban's management efficiency ratios could be used to measure how well West Suburban manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 77 M in liabilities. Debt can assist West Suburban until it has trouble settling it off, either with new capital or with free cash flow. So, West Suburban'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 West Suburban Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for West to invest in growth at high rates of return. When we think about West Suburban's use of debt, we should always consider it together with cash and equity.
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Management Performance
Return On Equity | 4.59 | |||
Return On Asset | 0.42 |
West Suburban Bancorp Leadership Team
Elected by the shareholders, the West Suburban's board of directors comprises two types of representatives: West Suburban inside directors who are chosen from within the company, and outside directors, selected externally and held independent of West. The board's role is to monitor West Suburban's management team and ensure that shareholders' interests are well served. West Suburban'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, West Suburban's outside directors are responsible for providing unbiased perspectives on the board's policies.
Keith Acker, Chief Operations Officer, Chairman of West Suburban Bank and President of West Suburban Bank | ||
Charles Howard, Independent Director | ||
Michael Brosnahan, VP and Sr. VP of Lending - West Suburban Bank | ||
Kevin Acker, Chairman and CEO | ||
Duane Debs, President, CFO, Principal Accounting Officer and Director | ||
Peggy LoCicero, Independent Director | ||
David Bell, Independent Director |
West 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 West Suburban 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 | 4.59 | |||
Return On Asset | 0.42 | |||
Profit Margin | 24.40 % | |||
Operating Margin | 34.82 % | |||
Current Valuation | 285.92 M | |||
Shares Outstanding | 426.85 K | |||
Shares Owned By Insiders | 30.56 % | |||
Shares Owned By Institutions | 3.25 % | |||
Price To Earning | 15.06 X | |||
Price To Book | 1.33 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 West Suburban 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, West Suburban's short interest history, or implied volatility extrapolated from West Suburban options trading.
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Other Consideration for investing in West Pink Sheet
If you are still planning to invest in West Suburban 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 West Suburban's history and understand the potential risks before investing.
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