Richard Dalton - CoBiz Financial Chief Operations Officer and Executive VP
EVP
Mr. Richard J. Dalton is Chief Operating Officer, Executive Vice President of CoBiz Financial Inc., since May 2009 since 2009.
| Age | 59 |
| Tenure | 15 years |
| Professional Marks | MBA |
| Phone | 303 312-3400 |
| Web | www.cobizfinancial.com |
CoBiz Financial Management Efficiency
CoBiz Financial's management efficiency ratios could be used to measure how well CoBiz Financial manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 372.06 M in liabilities with Debt to Equity (D/E) ratio of 0.48, which is about average as compared to similar companies. Debt can assist CoBiz Financial until it has trouble settling it off, either with new capital or with free cash flow. So, CoBiz 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 CoBiz Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for CoBiz to invest in growth at high rates of return. When we think about CoBiz Financial's use of debt, we should always consider it together with cash and equity.
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| Charles Ammann | Semtech | 69 | |
| Gary Beauchamp | Semtech | 64 | |
| Tsuneo Takahashi | Renesas Electronics | 55 | |
Management Performance
| Return On Equity | 0.0848 | |||
| Return On Asset | 0.0074 |
CoBiz Financial Leadership Team
Elected by the shareholders, the CoBiz Financial's board of directors comprises two types of representatives: CoBiz Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of CoBiz. The board's role is to monitor CoBiz Financial's management team and ensure that shareholders' interests are well served. CoBiz 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, CoBiz Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Michael Burgamy, Independent Director | ||
| Sue Hermann, Senior Vice President Director of Communications | ||
| Steven Bangert, Chairman, CEO, Chairman of Executive Committee, Chairman of Cobiz Bank Na, Director of Cobiz Gmb Inc, Director of Financial Designs Ltd, Director of Colorado Bus. Leasing Inc, Director of Cobiz Insurance Inc and Director of Alexander Capital Management Group Llc | ||
| Robert Ostertag, Executive Vice President Chief Credit Officer of the Bank | ||
| Mary Rhinehart, Independent Director | ||
| Scott Page, CEO of Colorado Bus. Bank and CEO of Arizona Bus. Bank | ||
| Timothy Travis, Independent Director | ||
| David Pass, Executive Vice President CIO | ||
| Richard Dalton, Chief Operations Officer and Executive VP | ||
| Bruce Schroffel, Independent Director | ||
| Christopher Huss, Treasurer, Capital Markets Director | ||
| Mary Vitale, Independent Director | ||
| Noel Rothman, Independent Director | ||
| Richard Monfort, Director | ||
| Michael Hutchinson, Independent Director | ||
| Mary White, Independent Director | ||
| Troy Dumlao, Senior Vice President Chief Accounting Officer | ||
| Susan Hermann, Senior Vice President Director of Communications | ||
| Douglas Polson, Independent Director | ||
| Lyne Andrich, CFO and Executive VP | ||
| Evan Makovsky, Director |
CoBiz 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 CoBiz 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 | 0.0848 | |||
| Return On Asset | 0.0074 | |||
| Profit Margin | 0.15 % | |||
| Operating Margin | 35.22 % | |||
| Current Valuation | 1.24 B | |||
| Shares Outstanding | 42.03 M | |||
| Shares Owned By Insiders | 9.20 % | |||
| Shares Owned By Institutions | 81.46 % | |||
| Number Of Shares Shorted | 557.78 K | |||
| Price To Earning | 23.81 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 CoBiz Financial 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, CoBiz Financial's short interest history, or implied volatility extrapolated from CoBiz Financial options trading.
Pair Trading with CoBiz 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 CoBiz 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 CoBiz Financial will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to Microsoft could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Microsoft 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 Microsoft - 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 Microsoft to buy it.
The correlation of Microsoft 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 Microsoft moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Microsoft 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 Microsoft 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 bureau of labor statistics. Note that the CoBiz Financial information on this page should be used as a complementary analysis to other CoBiz Financial'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 Investing Opportunities module to build portfolios using our predefined set of ideas and optimize them against your investing preferences.
Other Consideration for investing in CoBiz Stock
If you are still planning to invest in CoBiz 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 CoBiz Financial's history and understand the potential risks before investing.
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