Andrew Lock - Monarch Financial Chief Risk Officer and Executive VP
EVP
Mr. Andrew N. Lock serves as the Executive Vice President Chief Risk Officer of Monarch Financial Holdings Inc. He was appointed as Executive Vice President Chief Risk Officer of the Company effective November 21 2011. He previously was Finance and Accounting Director Oceana Sensor Technologies. since 2011.
| Age | 50 |
| Tenure | 13 years |
| Phone | 757-389-5111 |
| Web | http://www.monarchbank.com |
Monarch Financial Management Efficiency
Monarch Financial's management efficiency ratios could be used to measure how well Monarch Financial manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 26 M in liabilities with Debt to Equity (D/E) ratio of 8.87, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Monarch Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Monarch 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 Monarch Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Monarch to invest in growth at high rates of return. When we think about Monarch Financial's use of debt, we should always consider it together with cash and equity.
Monarch Financial Holdings, Inc. operates as the bank holding company for Monarch Bank that offer various commercial and retail banking solutions and services for businesses, professionals, corporate executives, and individuals. Monarch Financial Holdings (MNRK) is traded on NASDAQ Exchange in USA and employs 648 people. Management Performance
| Return On Asset | 0.01 |
Monarch Financial Leadership Team
Elected by the shareholders, the Monarch Financial's board of directors comprises two types of representatives: Monarch Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Monarch. The board's role is to monitor Monarch Financial's management team and ensure that shareholders' interests are well served. Monarch 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, Monarch Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Jeremy Starkey, President - Commercial Real Estate Finance of Monarch Bank | ||
| William Reilly, Market President - Norfolk of Monarch Bank | ||
| Lawton Baker, Independent Vice Chairman of the Board | ||
| Andrew Lock, Chief Risk Officer and Executive VP | ||
| Theresa Ruby, Senior Vice President Cash Management | ||
| James Ferber, President - Real Estate Finance Group of Monarch Bank | ||
| Dwight Schaubach, Independent Director | ||
| William Carr, President Peninsula Market of Monarch Bank | ||
| Jeffrey Benson, Independent Chairman of the Board | ||
| David Ropp, President Chesapeake Market of Monarch Bank | ||
| Karyn Mercier, Senior Vice President - Retail Banking of Monarch Bank | ||
| Denys Diaz, CIO and Executive VP | ||
| Elizabeth Patterson, Independent Director | ||
| David McGlaughon, President of OBX Bank | ||
| Lynette Harris, CFO, Executive VP, Treasurer and Corporate Secretary | ||
| Charles Wright, President Virginia Beach Market of Monarch Bank | ||
| Mary Anderson, Senior Vice President - Human Resources | ||
| Brad Schwartz, CEO, Director of Company & Bank | ||
| William Morrison, Director and CEO of Monarch Mortgage | ||
| Michael Kos, Senior Vice President - Business Banking | ||
| Bernard Ngo, Market President Williamsburg of Monarch Bank | ||
| Taylor Grissom, Independent Director | ||
| Robert Oman, Independent Director | ||
| Jack Lane, President - Monarch Mortgage of Monarch Bank | ||
| James Miller, Executive Vice President Mortgage COO | ||
| Barbara Guthrie, Executive Vice President Facilities | ||
| Neal Crawford, President, Director, Member of Executive Committee, Member of Director?s Loan Committee and President of Monarch Bank | ||
| Barry Mathias, Executive Vice President Chief Credit Officer | ||
| Steven Layden, President - Business Banking of Monarch Bank | ||
| Patrick Faulkner, Managing Director of Monarch Bank Private Wealth | ||
| Virginia Cross, Independent Director | ||
| Joe Covington, Independent Director |
Monarch 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 Monarch 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 Asset | 0.01 | |||
| Profit Margin | 0.10 % | |||
| Operating Margin | 0.18 % | |||
| Current Valuation | 152.97 M | |||
| Shares Outstanding | 13.04 M | |||
| Shares Owned By Insiders | 9.50 % | |||
| Shares Owned By Institutions | 29.60 % | |||
| Number Of Shares Shorted | 4 K | |||
| Price To Earning | 16.60 X | |||
| Price To Book | 1.79 X |
Building efficient market-beating portfolios requires time, education, and a lot of computing power!
The Portfolio Architect is an AI-driven system that provides multiple benefits to our users by leveraging cutting-edge machine learning algorithms, statistical analysis, and predictive modeling to automate the process of asset selection and portfolio construction, saving time and reducing human error for individual and institutional investors.
Try AI Portfolio ArchitectCheck out Correlation Analysis 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 metropolitan statistical area. You can also try the Global Correlations module to find global opportunities by holding instruments from different markets.
Other Consideration for investing in Monarch Stock
If you are still planning to invest in Monarch 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 Monarch Financial's history and understand the potential risks before investing.
| Aroon Oscillator Analyze current equity momentum using Aroon Oscillator and other momentum ratios | |
| Price Transformation Use Price Transformation models to analyze the depth of different equity instruments across global markets | |
| ETF Categories List of ETF categories grouped based on various criteria, such as the investment strategy or type of investments | |
| Fundamentals Comparison Compare fundamentals across multiple equities to find investing opportunities | |
| Portfolio Backtesting Avoid under-diversification and over-optimization by backtesting your portfolios | |
| Portfolio File Import Quickly import all of your third-party portfolios from your local drive in csv format | |
| Commodity Directory Find actively traded commodities issued by global exchanges | |
| Idea Analyzer Analyze all characteristics, volatility and risk-adjusted return of Macroaxis ideas | |
| Crypto Correlations Use cryptocurrency correlation module to diversify your cryptocurrency portfolio across multiple coins | |
| Cryptocurrency Center Build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency | |
| Share Portfolio Track or share privately all of your investments from the convenience of any device | |
| Economic Indicators Top statistical indicators that provide insights into how an economy is performing | |
| ETFs Find actively traded Exchange Traded Funds (ETF) from around the world |