Michael Garcia - Cardinal Financial Independent Director
Director
Mr. Michael A. Garcia is an Independent Director of Cardinal Financial Corporation since 2003. He is the President and Owner of Mike Garcia Construction Inc. in Woodbridge Virginia since 1980. His company is involved in residential and commercial land development and construction plus residential remodeling since 2003.
| Age | 54 |
| Tenure | 21 years |
| Phone | 703 584-3400 |
| Web | www.cardinalbank.com |
Cardinal Financial Management Efficiency
The company has return on total asset (ROA) of 0.0107 % which means that it generated a profit of $0.0107 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 10.18 %, meaning that it created $10.18 on every $100 dollars invested by stockholders. Cardinal Financial's management efficiency ratios could be used to measure how well Cardinal Financial manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 550.52 M in liabilities with Debt to Equity (D/E) ratio of 0.06, which may suggest the company is not taking enough advantage from borrowing. Debt can assist Cardinal Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Cardinal 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 Cardinal Financial Corp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Cardinal to invest in growth at high rates of return. When we think about Cardinal Financial's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | 10.18 | |||
| Return On Asset | 0.0107 |
Cardinal Financial Corp Leadership Team
Elected by the shareholders, the Cardinal Financial's board of directors comprises two types of representatives: Cardinal Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Cardinal. The board's role is to monitor Cardinal Financial's management team and ensure that shareholders' interests are well served. Cardinal 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, Cardinal Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Michael Garcia, Independent Director | ||
| Sidney Dewberry, Lead Independent Director | ||
| Hamilton Lambert, Independent Director | ||
| William Peterson, Independent Director | ||
| Mark Wendel, CFO, Executive Vice President | ||
| Alice Starr, Independent Director | ||
| Barbara Lang, Director | ||
| Jennifer Deacon, Executive Vice President Chief Accounting Officer, Secretary of the Company and Bank | ||
| Buddy Beck, Independent Director | ||
| Bernard Clineburg, Executive Chairman, Chairman of Executive Committee and Exectuive Chairman of Cardinal Bank | ||
| William Nassetta, Independent Director | ||
| Steven Wiltse, Independent Director | ||
| William Buck, Independent Director | ||
| Kevin Reynolds, Regional President of Cardinal Bank | ||
| Christopher Bergstrom, Acting CEO, Acting President, Acting CEO of Cardinal Bank and Acting President of Cardinal Bank |
Cardinal 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 Cardinal 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 | 10.18 | |||
| Return On Asset | 0.0107 | |||
| Profit Margin | 0.20 % | |||
| Operating Margin | 0.44 % | |||
| Current Valuation | 1.19 B | |||
| Shares Outstanding | 33.63 M | |||
| Shares Owned By Insiders | 3.81 % | |||
| Shares Owned By Institutions | 86.70 % | |||
| Number Of Shares Shorted | 219.58 K | |||
| Price To Earning | 19.76 X |
Pair Trading with Cardinal Financial
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Cardinal Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Cardinal Financial will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to Murphy Oil could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Murphy Oil when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Murphy Oil - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Murphy Oil to buy it.
The correlation of Murphy Oil is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Murphy Oil moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Murphy Oil moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Murphy Oil can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Trending Equities 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 board of governors. You can also try the Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.
Other Consideration for investing in Cardinal Stock
If you are still planning to invest in Cardinal Financial Corp 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 Cardinal Financial's history and understand the potential risks before investing.
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