Randoulph CFP - HCB Financial VP Management

HCBN Stock  USD 30.00  0.00  0.00%   

Insider

Randoulph CFP is VP Management of HCB Financial Corp
Phone269 945 2401
Webhttps://www.highpointcommunitybank.com

HCB Financial Management Efficiency

HCB Financial's management efficiency ratios could be used to measure how well HCB Financial manages its routine affairs as well as how well it operates its assets and liabilities.
HCB Financial Corp currently holds 24 M in liabilities. Debt can assist HCB Financial until it has trouble settling it off, either with new capital or with free cash flow. So, HCB 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 HCB Financial Corp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for HCB to invest in growth at high rates of return. When we think about HCB Financial's use of debt, we should always consider it together with cash and equity.

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HCB Financial Corp. operates as the bank holding company for Highpoint Community Bank that provides various banking products and services in Michigan. HCB Financial Corp. was founded in 1886 and is headquartered in Hastings, Michigan. Hcb Financial operates under BanksRegional classification in the United States and is traded on OTC Exchange. HCB Financial Corp [HCBN] is a Pink Sheet which is traded through a dealer network over-the-counter (OTC).

Management Performance

HCB Financial Corp Leadership Team

Elected by the shareholders, the HCB Financial's board of directors comprises two types of representatives: HCB Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of HCB. The board's role is to monitor HCB Financial's management team and ensure that shareholders' interests are well served. HCB 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, HCB Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
Julie Palmatier, VP Director
Timothy Tierney, VP Banking
Kimberly Finkbeiner, VP Operations
Mark Kolanowski, CEO Pres
Randoulph CFP, VP Management
Khaja Ahmed, VP Credit
Richard Zwiernikowski, VP CFO
Amanda BelcherCurrier, Controller VP

HCB 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 HCB 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.

Pair Trading with HCB 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 HCB 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 HCB Financial will appreciate offsetting losses from the drop in the long position's value.

Moving against HCB Pink Sheet

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The ability to find closely correlated positions to HCB Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace HCB Financial 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 HCB Financial - 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 HCB Financial Corp to buy it.
The correlation of HCB Financial 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 HCB Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if HCB Financial Corp 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 HCB Financial 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.
Pair CorrelationCorrelation Matching

Other Information on Investing in HCB Pink Sheet

HCB Financial financial ratios help investors to determine whether HCB Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in HCB with respect to the benefits of owning HCB Financial security.