Online illustrator free trial – Robert De Jesus http://robertdejesus.com/ Mon, 27 Jun 2022 20:05:08 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://robertdejesus.com/wp-content/uploads/2021/10/icon-7.png Online illustrator free trial – Robert De Jesus http://robertdejesus.com/ 32 32 Tina Chan Reich, Head of Credit and Risk Management for Small and Medium Businesses, Joins Bill.com Board of Directors | New https://robertdejesus.com/tina-chan-reich-head-of-credit-and-risk-management-for-small-and-medium-businesses-joins-bill-com-board-of-directors-new/ Mon, 27 Jun 2022 20:05:08 +0000 https://robertdejesus.com/tina-chan-reich-head-of-credit-and-risk-management-for-small-and-medium-businesses-joins-bill-com-board-of-directors-new/ SAN JOSE, Calif.–(BUSINESS WIRE)–June 27, 2022– Bill.com (NYSE: BILL), a leading provider of cloud-based software that simplifies, digitizes and automates financial operations for small and medium-sized enterprises (SMBs), today announced that Tina Chan Reich has joined the board of administration of the company. This press release is multimedia. See the full version here: https://www.businesswire.com/news/home/20220627005673/en/ Tina […]]]>

SAN JOSE, Calif.–(BUSINESS WIRE)–June 27, 2022–

Bill.com (NYSE: BILL), a leading provider of cloud-based software that simplifies, digitizes and automates financial operations for small and medium-sized enterprises (SMBs), today announced that Tina Chan Reich has joined the board of administration of the company.

This press release is multimedia. See the full version here: https://www.businesswire.com/news/home/20220627005673/en/

Tina Chan Reich (Photo: Business Wire)

“Tina brings extensive global experience in the financial services industry, including expertise in credit, lending risk, deposits and payments,” said René Lacerte, CEO and Founder of Bill.com. “Tina has a shared passion for serving SMBs, having spent much of her career leveraging analytics and data science to develop products that enable SMBs to thrive. I look forward to working with Tina as we improve and extend the value of our platform for SMEs in the future. »

With over 20 years of experience as a global senior executive in credit and risk management with a background in financial and banking technology serving SMEs, Ms. Reich is currently Head of Credit and Risk at Theorem, a fintech and investment company. Prior to Theorem, Ms. Reich was senior vice president and chief credit officer for global financing, payments and digital experiences for American Express. She led the risk organization in launching and scaling products such as installment loans, working capital, merchant finance, lines of credit, corporate checking accounts, debit cards, cross-border payments, automated AP solutions, corporate card underwriting, bill payment financing and financing. options such as whole loan sales and equity equivalent investment vehicles (EQ2).

“I have always had a passion for SMEs from the start of my career, when I had the chance to see the difference that financial services products could make for these businesses and the people who run them,” said Tina. Chan Reich. “I am delighted to have the opportunity to serve on the Bill.com board, a company that I have long admired because of its mission and unique position to help small and medium-sized businesses, by creating thoughtful and scalable payment solutions that simplify life, speed up processes, save money money and provide more control.

Prior to her time at American Express, Ms. Reich was Chief Risk Officer and Chief Data Scientist at Credibly, helping it grow into a securitized fintech issuer with over $1 billion in funding. Previously, Ms. Reich was Group Head of Citibank’s Commercial Banking Strategy and Risk Analysis Group, responsible for more than $5 billion in credit lines and installment loans, as well as overdraft and deposit products. . Prior to Citibank, she was at American Express, responsible for underwriting consumer cards during the economic downturn of 2006-2009.

Ms. Reich is currently an advisor to Clara, Latin America’s leading credit card and business expense management solution, as well as Latin America’s fastest growing startup. In addition, she served on the board of directors of Citicorp Payment Services and several advisory boards, including the Small Business Financial Exchange and the Financial Services Advisory Council of Experian. She was named one of Crain’s Notable Women in Banking and Finance in 2019. She is passionate about financial inclusion, minority lending, and helping to promote the advancement of women in science and technology.

Ms. Reich holds a bachelor’s degree in economics from the Massachusetts Institute of Technology.

About Bill.com

Bill.com (NYSE: BILL) is a leading provider of cloud-based software that simplifies, digitizes and automates financial operations for small and medium-sized businesses (SMBs). The company’s mission is to make it easy to connect and do business. Additional solutions include the all-in-one expense management platform Divvy and the mobile billing product Invoice2go. Hundreds of thousands of SMEs around the world use Bill.comto manage end-to-end financial workflows, process payments, and liaise with vendors and customers, helping to manage cash inflows and outflows. Bill.com partners with leading financial institutions, accounting firms, and accounting software providers in the United States. Bill.com is headquartered in San Jose, California. For more information, visit www.bill.com.

Show source version on businesswire.com:https://www.businesswire.com/news/home/20220627005673/en/

CONTACT: IR contact:

Karen Sansot

ksansot@hq.bill.comPress contact:

Marc Heller

mheller@hq.bill.com

KEYWORD: CALIFORNIA UNITED STATES NORTH AMERICA

INDUSTRY KEYWORD: TECHNOLOGY FINANCE FINTECH ACCOUNTING PROFESSIONAL SERVICES SOFTWARE SMALL BUSINESS INTERNET DATA ANALYTICS DATA MANAGEMENT

THE SOURCE: Bill.com

Copyright BusinessWire 2022.

PUBLISHED: 06/27/2022 16:05 / DISK: 06/27/2022 16:05

http://www.businesswire.com/news/home/20220627005673/en

Copyright BusinessWire 2022.

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Kiplinger People: Finances: Expenses: Two Credit Report Updates | Economic news https://robertdejesus.com/kiplinger-people-finances-expenses-two-credit-report-updates-economic-news/ Sun, 26 Jun 2022 02:30:00 +0000 https://robertdejesus.com/kiplinger-people-finances-expenses-two-credit-report-updates-economic-news/ Credit reports are getting some significant changes. Information from the Buy Now, Pay Later (BNPL) companies will now be added to the consumer credit reports of the three major credit reporting companies – Equifax, Experian and TransUnion – and some medical debt information will be removed. Consumers with medical debt should see their scores increase. […]]]>

Credit reports are getting some significant changes.

Information from the Buy Now, Pay Later (BNPL) companies will now be added to the consumer credit reports of the three major credit reporting companies – Equifax, Experian and TransUnion – and some medical debt information will be removed.

Consumers with medical debt should see their scores increase. Beginning in July 2022, medical debt sent for collection but ultimately repaid will be removed from all three reports. Plus, any new medical debt you incur won’t show up on your credit reports until one year after it’s sent for collection.

Currently, credit reports start showing an unpaid medical account 180 days after it’s sent to collections, and it can stay on your credit reports for up to seven years after you’ve paid off the debt.

And starting in 2023, the three companies will no longer report medical debts under $500.

These measures should eliminate 70% of medical debt reports.

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Meanwhile, consumers’ use of online BNPL systems will also show up in reports, which can be good or bad for credit scores.

BNPL firms, including Affirm, Klarna and Afterpay, offer you a cash loan to cover your purchase. Until now, credit bureaus haven’t tracked these loans, and it’s unclear how information from the BNPL will factor into credit scoring formulas, said Matt Schulz, chief credit analyst at LendingTree, an online lending marketplace.

People who repay their installment loans could see their scores go up, and loan tracking can give some people a score they didn’t have before. However, if you miss payments or take out a large number of these short-term loans, the impact on both the payment history and the credit history of the credit scoring algorithm could lead to a lower of your score, Schulz said.

Payment history counts for 35% of your FICO score, with length of credit history counting for 15%. And if your BNPL loans increase your utilization rate – the amount of available credit you use – that could also affect your score.

If you’re considering using a BNPL loan, it’s a good idea to set up automatic payments from your checking account or debit card to pay it off as soon as possible.

Visit Kiplinger.com to learn more about this and similar money-related topics.

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If your student loan debt is forgiven, what happens to your credit score? Here’s what you need to know https://robertdejesus.com/if-your-student-loan-debt-is-forgiven-what-happens-to-your-credit-score-heres-what-you-need-to-know/ Fri, 24 Jun 2022 11:26:02 +0000 https://robertdejesus.com/if-your-student-loan-debt-is-forgiven-what-happens-to-your-credit-score-heres-what-you-need-to-know/ With more than one in five families holding student loans – according to the most recent figures from the Federal Reserve – a proposal from President Joe Biden’s administration to write off some of the higher education debt could help many people’s finances. And while removing debt from your balance sheet may be good for […]]]>

With more than one in five families holding student loans – according to the most recent figures from the Federal Reserve – a proposal from President Joe Biden’s administration to write off some of the higher education debt could help many people’s finances. And while removing debt from your balance sheet may be good for you and your monthly budget in the long term, it could have an unexpected effect on your credit score in the short term.

During his 2020 candidacy, President Joe Biden promised to cancel at least a certain amount of student loan debt. So far, his administration has canceled the debt of some Public Service workers, people with a total and permanent disability, former students of Corinthian colleges and Marinello Beauty School Students. But the administration has yet to release details of the debt cancellation for the estimated 11.8 million borrowers with federal student loans that may qualify for relief.

Here’s what we know about the impact canceling your student loan could have on your credit score. To find out more, here what to do with inflation eating away at your budget and nine credit card mistakes to avoid.

What is the difference between a credit report and a credit score?

Credit bureaus — Equifax, Experian and TransUnion are the big three — collect financial information from your creditors to create credit reports.

Credit bureaus can use these reports to create credit scores that ostensibly reflect your creditworthiness — and help companies decide both whether to lend you money, for example, and what interest rate to charge you. Banks may use their own scoring systems to determine whether to offer you a mortgage or a car loan.

Credit ratings — including the widely used FICO score — can be calculated using pieces of information contained in your credit report:

  • Payment the story, detailing how and when you paid your accounts over the term of your credit
  • Amounts you owe on your accountsincluding the amount of your available credit that you use
  • Length of your credit historyincluding the age of your oldest and newest accounts and the average age of all your accounts
  • Composition of creditincluding credit cards, retail accounts, installment loans and mortgages
  • New credit you recently opened

Here is more about what goes into determining credit scores.

Could canceling my student loan debt affect my credit rating?

For many student borrowers, credit scores won’t be significantly affected, Martin Lynch, director of education at Cambridge Credit Counselingtold CNET.

Borrowers who made payments on time and for whom debt forgiveness covers the full amount of their loans might see a slight uptick in their scores, Lynch said.

On the other hand, if a loan was in default when it was canceled, under the old FICO models that are still in use, a credit score could drop. Lynch said the latest FICO scoring models ignore a paid collection account, so a score wouldn’t suffer with the new calculation method.

Lynch said borrowers with what he calls “thin credit profiles” — those with few credit accounts and little diversity in the credit mix they carry — could see a drop in their scores. And if a borrower doesn’t have other installment loans, eliminating the student loan (which is a type of installment loan) could negatively impact their score, he said.

Borrowers could also lose points on their credit scores if student loans are among their oldest accounts, Lynch said, because removing them would change the average age of all their credit accounts.

So if it might temporarily hurt my credit rating, should I ignore student loan forgiveness?

No. Focusing on the negative impact of the score, he misses the boat, Lynch said: “Having thousands of dollars of debt forgiven will be more important for most student loan holders.”

With the economy looks shaky, money saved from canceled student loan repayments can be used for other purposes, such as building up savings. And if you see a drop in your score, Lynch said, you can also use some of the money you’ve saved from debt forgiveness to improve your scores by expanding your credit profile or paying off debt. balances of your revolving accounts such as credit cards.

To find out more, here best budget apps and what you need to know about inflation.

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Direct comparison: American Bank (OTCMKTS: AMBK) and Evans Bancorp (NYSE: EVBN) https://robertdejesus.com/direct-comparison-american-bank-otcmkts-ambk-and-evans-bancorp-nyse-evbn/ Wed, 22 Jun 2022 10:24:33 +0000 https://robertdejesus.com/direct-comparison-american-bank-otcmkts-ambk-and-evans-bancorp-nyse-evbn/ American Bank (OTCMKTS: AMBK – Get a rating) and Evans Bancorp (NYSE: EVBN – Get a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on valuation strength, institutional ownership, profitability, earnings, dividends, risk, and analyst recommendations. Analyst Recommendations This is a breakdown of recent […]]]>

American Bank (OTCMKTS: AMBKGet a rating) and Evans Bancorp (NYSE: EVBNGet a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on valuation strength, institutional ownership, profitability, earnings, dividends, risk, and analyst recommendations.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for American Bank and Evans Bancorp, as reported by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
American bank 0 0 0 0 N / A
Evans Bancorp 0 0 0 0 N / A

Valuation and benefits

This chart compares revenue, earnings per share (EPS), and valuation of American Bank and Evans Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
American bank N / A N / A N / A N / A N / A
Evans Bancorp $96.43 million 1.95 $24.04 million $4.34 7.85

Evans Bancorp has higher revenue and profit than American Bank.

Profitability

This table compares the net margins, return on equity, and return on assets of American Bank and Evans Bancorp.

Net margins Return on equity return on assets
American bank N / A N / A N / A
Evans Bancorp 24.98% 13.53% 1.09%

Insider and Institutional Ownership

61.8% of Evans Bancorp shares are held by institutional investors. 6.3% of Evans Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds, and large money managers believe a company is poised for long-term growth.

Dividends

American Bank pays an annual dividend of $0.48 per share and has a dividend yield of 3.1%. Evans Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 3.6%. Evans Bancorp pays 28.6% of its profits as a dividend. Evans Bancorp has increased its dividend for 12 consecutive years. Evans Bancorp is clearly the better dividend-paying stock, given its higher yield and longer track record of dividend growth.

Volatility and risk

American Bank has a beta of 0.02, indicating its stock price is 98% less volatile than the S&P 500. In comparison, Evans Bancorp has a beta of 0.98, indicating its stock price is 2% less volatile than the S&P 500.

Summary

Evans Bancorp beats American Bank on 9 out of 10 factors compared between the two stocks.

American Bank Company Profile (Get a rating)

American Bank Incorporated operates as a bank holding company for American Bank which provides various banking products and services to consumer, business, institutional and government customers. It accepts a range of interest-bearing checking and money market accounts, savings accounts, certificates of deposit and individual retirement accounts. The company also offers commercial, industrial and other loans; commercial mortgages; commercial construction loans; residential mortgages; and consumer loans, including personal term loans, personal lines of credit, automobile loans, home equity loans and home equity lines of credit and loans. In addition, it provides online or mobile banking services, automated teller machines, rental of safe deposit boxes and bank transfer services, as well as the sale of checks and checkbooks and the purchase of investment securities. The company operates an office located in Allentown, Pennsylvania; and a loan origination office in Blue Bell, Pennsylvania. The company was founded in 1997 and is based in Allentown, Pennsylvania.

Evans Bancorp Company Profile (Get a rating)

Evans Bancorp LogoEvans Bancorp, Inc. operates primarily as a financial holding company for Evans Bank, NA which provides a range of banking products and services to consumer and business customers in Western New York and the Finger Lakes region of the state from New York. It operates in two segments, banking business and insurance agency business. The Company offers deposit products, which include checking accounts and negotiable withdrawal orders, savings accounts and certificates of deposit. It also offers residential mortgages; commercial and multi-family mortgages and commercial construction loans; home equity, such as home equity lines of credit and second mortgages; commercial and industrial loans including term loans and lines of credit; consumer loans, including direct auto loans, recreational vehicles, boats, home improvement and personal loans; other loans comprised of cash reserves, overdrafts and loan clearing accounts; and installment loans. In addition, the company sells various premium-based insurance policies, including business and personal insurance, employee benefits, bonding, risk management, life insurance, disability and care. long-term, as well as claims services to various insurance companies. ; and non-deposit investment products, such as annuities and mutual funds. It operates through a total of 21 full-service banking offices in Erie County, Niagara County, Monroe County and Chautauqua County, New York. Evans Bancorp, Inc. was founded in 1920 and is based in Williamsville, New York.



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Akbank TAS (OTCMKTS:AKBTY) is trading up 6.2% https://robertdejesus.com/akbank-tas-otcmktsakbty-is-trading-up-6-2/ Sat, 18 Jun 2022 15:08:56 +0000 https://robertdejesus.com/akbank-tas-otcmktsakbty-is-trading-up-6-2/ Akbank TAS (OTCMKTS: AKBTY – Get a rating) shares rose 6.2% in Thursday’s session. The company traded as low as $1.03 and last traded at $1.03. Approximately 139,315 shares were traded during trading, a 412% increase from the average daily volume of 27,188 shares. The stock had previously closed at $0.97. Separately, JPMorgan Chase & […]]]>

Akbank TAS (OTCMKTS: AKBTYGet a rating) shares rose 6.2% in Thursday’s session. The company traded as low as $1.03 and last traded at $1.03. Approximately 139,315 shares were traded during trading, a 412% increase from the average daily volume of 27,188 shares. The stock had previously closed at $0.97.

Separately, JPMorgan Chase & Co. raised its price target on Akbank TAS from 12.70 to 15.00 and gave the stock an “overweight” rating in a Thursday, May 5 research note.

The company has a 50-day simple moving average of $1.07 and a two-hundred-day simple moving average of $1.08.

The company also recently declared a dividend, which was paid on Friday, April 8. Investors of record on Thursday, March 31 received a dividend of $0.0227 per share. This represents a dividend yield of 2.1%. The ex-dividend date was Wednesday, March 30.

Akbank TAS Company Profile (OTCMKTS: AKBTY)

Akbank TAS, together with its subsidiaries, provides various banking products and services in Turkey and abroad. It operates through: Retail Banking; Commercial Bank, SME Bank, Investment Bank and Private Bank; and segments of the treasury. The Company’s retail banking services include deposit accounts, personal loans, commercial installment loans, credit cards, insurance products and asset management services, as well as bank cards, investment fund trading, automatic payment, foreign currency trading, safe deposit box rental, checks, money transfer, investment banking, and telephone and Internet banking.

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AAPL dividend announcement $0.4500/share 06/16/2022 https://robertdejesus.com/aapl-dividend-announcement-0-4500-share-06-16-2022/ Fri, 17 Jun 2022 00:27:37 +0000 https://robertdejesus.com/aapl-dividend-announcement-0-4500-share-06-16-2022/ Eagle Bancorp Inc (MD) (NASDAQ:EGBN) on 06/16/2022 declared a dividend of $0.4500 per share payable July 29, 2022 to shareholders of record as of July 11, 2022. The amount of the dividend recorded is an increase of $0.05 of the last dividend paid. Eagle Bancorp Inc (MD) (NASDAQ: EGBN) has paid dividends since 2005, has […]]]>

Eagle Bancorp Inc (MD) (NASDAQ:EGBN) on 06/16/2022 declared a dividend of $0.4500 per share payable July 29, 2022 to shareholders of record as of July 11, 2022. The amount of the dividend recorded is an increase of $0.05 of the last dividend paid.

Eagle Bancorp Inc (MD) (NASDAQ: EGBN) has paid dividends since 2005, has a current dividend yield of 3.8585207462% and has increased dividends for 2 consecutive years.

The market capitalization of Eagle Bancorp Inc (MD) is $1,496,532,000 and has a PE ratio of 8.36. The stock price closed yesterday at $46.65 and has a 52-week low/high of $45.05 and $63.84.

Eagle Bancorp is a bank holding company. Through its subsidiary, Eaglebank (the Bank), Co. is engaged in community banking primarily in northern Virginia, suburban Maryland and Washington, DC. The Bank provides commercial banking services to its businesses and customers, as well as retail banking services. living and/or working primarily in the Bank’s market area. These services include commercial loans; asset-based lending and accounts receivable financing; construction loans and commercial real estate; commercial equipment financing; home equity lines of credit, personal lines of credit and term loans; consumer installment loans; and residential mortgages.

For more information on Eagle Bancorp Inc (MD), click here.

Current dividend information for Eagle Bancorp Inc (MD) as of the date of this press release is:

Dividend declaration date: June 16, 2022
Ex-dividend date: July 8, 2022
Dividend record date: July 11, 2022
Dividend payment date: July 29, 2022
Dividend amount: $0.4500

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Bank of Hawaii (NYSE:BOH) hits new 12-month low at $72.99 https://robertdejesus.com/bank-of-hawaii-nyseboh-hits-new-12-month-low-at-72-99/ Tue, 14 Jun 2022 20:11:27 +0000 https://robertdejesus.com/bank-of-hawaii-nyseboh-hits-new-12-month-low-at-72-99/ Bank of Hawaii Co. (NYSE: BOH – Get a rating) hit a new 52-week low on Tuesday. The stock traded as low as $72.99 and last traded at $72.99, with a volume of 5286 shares traded in hands. The stock had previously closed at $73.79. Separately, StockNews.com moved the Bank of Hawaii from a “hold” […]]]>

Bank of Hawaii Co. (NYSE: BOHGet a rating) hit a new 52-week low on Tuesday. The stock traded as low as $72.99 and last traded at $72.99, with a volume of 5286 shares traded in hands. The stock had previously closed at $73.79.

Separately, StockNews.com moved the Bank of Hawaii from a “hold” rating to a “sell” rating in a Monday, May 23, report.

The stock has a market capitalization of $2.94 billion, a P/E ratio of 12.16, a PEG ratio of 1.69 and a beta of 1.15. The company has a 50-day simple moving average of $77.48 and a 200-day simple moving average of $82.55.

Bank of Hawaii (NYSE: BOHGet a rating) last released its results on Monday, April 25. The bank reported EPS of $1.32 for the quarter, beating the consensus estimate of $1.22 by $0.10. Bank of Hawaii had a return on equity of 17.99% and a net margin of 35.44%. The company posted revenue of $168.81 million for the quarter, compared to $169.30 million expected by analysts. In the same quarter a year earlier, the company posted EPS of $1.50. As a group, research analysts expect Bank of Hawaii Co. to post earnings per share of 5.55 for the current year.

The company also recently announced a quarterly dividend, which will be paid on Tuesday, June 14. Shareholders of record on Tuesday, May 31 will receive a dividend of $0.70 per share. This represents a dividend of $2.80 on an annualized basis and a dividend yield of 3.83%. The ex-dividend date is Friday, May 27. Bank of Hawaii’s dividend payout ratio is currently 46.13%.

In related news, CEO Peter S. Ho sold 5,500 shares of the company in a transaction that took place on Tuesday, May 10. The stock was sold at an average price of $74.51, for a total transaction of $409,805.00. As a result of the transaction, the CEO now directly owns 244,681 shares of the company, valued at approximately $18,231,181.31. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, accessible via this hyperlink. Company insiders hold 2.06% of the company’s shares.

Hedge funds and other institutional investors have recently changed their stakes in the company. Walleye Capital LLC purchased a new stake in Bank of Hawaii stock during Q1 for $209,000. BNP Paribas Arbitrage SA increased its position in Bank of Hawaii shares by 29.8% in the 1st quarter. BNP Paribas Arbitrage SA now owns 20,726 shares in the bank valued at $1,739,000 after acquiring an additional 4,764 shares during the period. Point72 Hong Kong Ltd increased its position in Bank of Hawaii shares by 27.9% during the 1st quarter. Point72 Hong Kong Ltd now owns 710 shares of the bank valued at $60,000 after acquiring an additional 155 shares during the period. First Republic Investment Management Inc. raised its position in Bank of Hawaii shares by 2.5% in the first quarter. First Republic Investment Management Inc. now owns 116,588 shares of the bank valued at $9,784,000 after acquiring 2,843 additional shares during the period. Finally, Guggenheim Capital LLC acquired during the 1st quarter a new equity stake in Bank of Hawaii valued at $654,000. 71.07% of the shares are currently held by hedge funds and other institutional investors.

About Bank of Hawaii (NYSE: BOH)

Bank of Hawaii Corporation operates as a bank holding company for Bank of Hawaii which provides various financial products and services in Hawaii, Guam and other Pacific Islands. It operates in three segments: Consumer Banking, Commercial Banking and Treasury and Others. The Consumer Banking segment offers checking, savings and term deposit accounts; residential mortgages, home equity lines of credit, auto loans and leases, personal lines of credit, installment loans, small business loans and leases, and credit cards; banking, investment, credit and trust services to private and international clients to individuals and families, and high net worth individuals; investment management; institutional investment advisory services to corporations, government entities and foundations; and brokerage offerings, including stocks, mutual funds, life insurance and annuity products.

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Peoples Financial Services (NASDAQ:PFIS) and Professional (NASDAQ:PFHD) Financial Review https://robertdejesus.com/peoples-financial-services-nasdaqpfis-and-professional-nasdaqpfhd-financial-review/ Sat, 11 Jun 2022 00:14:56 +0000 https://robertdejesus.com/peoples-financial-services-nasdaqpfis-and-professional-nasdaqpfhd-financial-review/ Popular financial services (NASDAQ:PFIS – Get a rating) and Professional (NASDAQ: PFHD – Get a rating) are both small cap finance companies, but which business is superior? We’ll compare the two companies based on the strength of their profitability, analyst recommendations, dividends, risk, earnings, valuation and institutional ownership. Profitability This table compares the net margins, […]]]>

Popular financial services (NASDAQ:PFISGet a rating) and Professional (NASDAQ: PFHDGet a rating) are both small cap finance companies, but which business is superior? We’ll compare the two companies based on the strength of their profitability, analyst recommendations, dividends, risk, earnings, valuation and institutional ownership.

Profitability

This table compares the net margins, return on equity and return on assets of Peoples Financial Services and Professional.

Net margins Return on equity return on assets
Financial Services to Peoples 36.18% 10.38% 1.05%
Professional 21.78% 9.45% 0.80%

Risk and Volatility

Peoples Financial Services has a beta of 0.21, which means its stock price is 79% less volatile than the S&P 500. In comparison, Professional has a beta of 0.01, which means its stock price is 99% less volatile than the S&P 500.

Insider and Institutional Ownership

29.3% of Peoples Financial Services shares are held by institutional investors. By comparison, 59.8% of Professional shares are held by institutional investors. 3.3% of Peoples Financial Services stock is held by insiders of the company. By comparison, 8.6% of Professional’s stock is held by company insiders. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a company will outperform the market over the long term.

Benefits and evaluation

This table compares the gross revenue, earnings per share, and valuation of Peoples Financial Services and Professional.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Financial Services to Peoples $119.69 million 3.07 $43.52 million $6.05 8.47
Professional $85.81 million 3.46 $21.36 million $1.36 15.86

Peoples Financial Services has higher revenue and profit than Professional. Peoples Financial Services trades at a lower price-to-earnings ratio than Professional, indicating that it is currently the more affordable of the two stocks.

Analyst Notes

This is a breakdown of recent ratings and target prices for Peoples Financial Services and Professional, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Financial Services to Peoples 0 0 1 0 3.00
Professional 0 1 1 0 2.50

Peoples Financial Services currently has a consensus target price of $57.00, suggesting a potential upside of 11.24%. Professional has a consensus target price of $23.00, suggesting a potential upside of 6.63%. Given Peoples Financial Services’ higher consensus rating and higher likely upside potential, equity research analysts clearly believe Peoples Financial Services is more favorable than Professional.

Summary

Peoples Financial Services beats Professional on 9 out of 13 factors compared between the two stocks.

About Peoples Financial Services (Get a rating)

Peoples Financial Services Corp. operates as a bank holding company for Peoples Security Bank and Trust Company which provides various commercial and retail banking services. The company accepts Money Market, NOW, Savings, Individual Retirement, Demand Deposits and Certificates of Deposit Accounts. It also offers residential real estate, auto, prefab, personal, and home equity loans; and commercial real estate, working capital, construction, small business administration and agricultural loans, as well as loans for equipment and other business needs, and mineral rights. In addition, the company offers investment management, IRA trustee, estate administration, life and life insurance trust, estate trustee, guardianship, IRA custodial/custody and trust services. corporate trust, as well as pension and profit-sharing plans. Additionally, it offers investment portfolio management, estate and business succession planning, annuity, insurance, pension plan and tax planning services, as well as corporate finance strategies. education ; and securities and brokerage, and investor services. In addition, the company offers small business checking accounts and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit and balance sheet services; and remote deposit capture, automatic clearing house transaction, cash management, ATM, point of sale transaction, safe deposit box, night deposit, direct deposit and official check services. It serves businesses, nonprofits, government agencies, municipal agencies, and professionals, as well as retail clients through 28 full-service community banking offices located in Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Lucerne , Monroe, Montgomery, Northampton, Susquehanna and Wyoming counties in Pennsylvania; Middlesex County of New Jersey; and New York’s Broome County. The company was founded in 1905 and is based in Scranton, Pennsylvania.

About Professional (Get a rating)

professional logoProfessional Holding Corp. primarily operates through its subsidiary, Professional Bank, provides banking products and services to small and medium-sized businesses, other professionals and entrepreneurs. Its deposit products include checking, NOW, savings and money market accounts, as well as IRAs and certificates of deposit. The Company’s lending products include commercial loans, residential mortgages, home equity lines of credit, installment loans and consumer lines of credit. It also offers online/digital and mobile banking, as well as cash management and cash management services. The company operates through a network of eleven locations in the Miami, Broward and Palm Beach county areas, as well as a digital innovation center located in Cleveland, Ohio and a loan production office in St. Pete, Florida. , Jacksonville, and Bedford, New Hampshire. Professional Holding Corp. was founded in 2008 and is headquartered in Coral Gables, Florida.



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Salisbury Bancorp, Inc. (NASDAQ:SAL) TEU sells $36,484.00 in stock https://robertdejesus.com/salisbury-bancorp-inc-nasdaqsal-teu-sells-36484-00-in-stock/ Wed, 08 Jun 2022 22:57:09 +0000 https://robertdejesus.com/salisbury-bancorp-inc-nasdaqsal-teu-sells-36484-00-in-stock/ Salisbury Bancorp, Inc. (NASDAQ: SAL – Get a rating) EVP Steven M. Essex sold 700 shares of the company in a transaction that took place on Wednesday, June 8. The shares were sold at an average price of $52.12, for a total value of $36,484.00. Following the completion of the transaction, the executive vice president […]]]>

Salisbury Bancorp, Inc. (NASDAQ: SALGet a rating) EVP Steven M. Essex sold 700 shares of the company in a transaction that took place on Wednesday, June 8. The shares were sold at an average price of $52.12, for a total value of $36,484.00. Following the completion of the transaction, the executive vice president now directly owns 500 shares of the company, valued at $26,060. The transaction was disclosed in a filing with the Securities & Exchange Commission, accessible via this link.

NASDAQ SAL traded down $0.01 on Wednesday, hitting $52.35. 1,234 shares of the stock were traded, against an average volume of 2,684. The company’s fifty-day moving average is $29.75 and its two-hundred-day moving average is $27.95. Salisbury Bancorp, Inc. has a 12-month low of $46.13 and a 12-month high of $59.90. The company has a market capitalization of $151.08 million, a price-earnings ratio of 9.73 and a beta of 0.76. The company has a debt ratio of 0.23, a quick ratio of 0.90 and a current ratio of 0.90.

Shares of Salisbury Bancorp will split on Friday July 1. The 2-1 split was announced on Friday July 1. The newly created shares will be delivered to shareholders after market close on Friday, July 1.

Salisbury Bancorp (NASDAQ: SALGet a rating) last reported quarterly earnings data on Wednesday, April 20. The bank reported earnings per share of $0.62 for the quarter, missing the consensus estimate of $0.73 per ($0.11). Salisbury Bancorp had a net margin of 27.34% and a return on equity of 11.48%. The company posted revenue of $13.40 million for the quarter, versus a consensus estimate of $13.80 million. Analysts expect Salisbury Bancorp, Inc. to post EPS of 5.61 for the current fiscal year.

The company also recently announced a quarterly dividend, which was paid on Friday, May 27. Shareholders of record on Friday, May 13 received a dividend of $0.16 per share. The ex-dividend date was Thursday, May 12. This represents an annualized dividend of $0.64 and a dividend yield of 1.22%. Salisbury Bancorp’s dividend payout ratio is currently 23.79%.

Several large investors have recently bought and sold shares of SAL. FJ Capital Management LLC increased its position in Salisbury Bancorp shares by 5.0% during the first quarter. FJ Capital Management LLC now owns 192,204 shares of the bank worth $10,904,000 after acquiring 9,204 additional shares last quarter. Millennium Management LLC purchased a new equity stake in Salisbury Bancorp during the second quarter at a value of $438,000. Maltese Capital Management LLC purchased a new equity stake in Salisbury Bancorp during the third quarter for $254,000. Janney Montgomery Scott LLC purchased a new equity stake in Salisbury Bancorp in the fourth quarter for $200,000. Finally, Alliancebernstein LP increased its position in Salisbury Bancorp shares by 12.4% in the third quarter. Alliancebernstein LP now owns 29,876 shares of the bank worth $1,519,000 after buying 3,297 additional shares last quarter. Hedge funds and other institutional investors hold 23.11% of the company’s shares.

Several research companies have recently published reports on SAL. Zacks Investment Research downgraded Salisbury Bancorp from a “hold” rating to a “sell” rating in a Wednesday, April 27 report. StockNews.com supposed coverage on Salisbury Bancorp in a Monday report. They set a “holding” rating for the company.

About Salisbury Bancorp (Get a rating)

Salisbury Bancorp, Inc operates as a bank holding company for Salisbury Bank and Trust Company which provides commercial banking, consumer finance, retail banking, and trust and wealth advisory services. It offers various deposit products to individuals and businesses. The company also provides loans, such as residential and commercial real estate loans; building loans; working capital loans; equipment loans; and consumer loans, including home equity loans and lines of credit, secured loans, and auto and personal installment loans.

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Westbury Bancorp (OTCMKTS:WBBW) vs. Elmira Savings Bank (NASDAQ:ESBK) Head-to-Head Review https://robertdejesus.com/westbury-bancorp-otcmktswbbw-vs-elmira-savings-bank-nasdaqesbk-head-to-head-review/ Sat, 04 Jun 2022 10:14:00 +0000 https://robertdejesus.com/westbury-bancorp-otcmktswbbw-vs-elmira-savings-bank-nasdaqesbk-head-to-head-review/ Westbury Bancorp (OTCMKTS: WBBW – Get a rating) and Elmira Savings Bank (NASDAQ: ESBK – Get a rating) are both small cap finance companies, but which is the better company? We’ll compare the two companies based on institutional ownership strength, profitability, analyst recommendations, valuation, earnings, risk, and dividends. Risk and Volatility Westbury Bancorp has a […]]]>

Westbury Bancorp (OTCMKTS: WBBWGet a rating) and Elmira Savings Bank (NASDAQ: ESBKGet a rating) are both small cap finance companies, but which is the better company? We’ll compare the two companies based on institutional ownership strength, profitability, analyst recommendations, valuation, earnings, risk, and dividends.

Risk and Volatility

Westbury Bancorp has a beta of 0.44, suggesting that its stock price is 56% less volatile than the S&P 500. By comparison, Elmira Savings Bank has a beta of 0.9, suggesting that its stock price stock is 10% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and price targets for Westbury Bancorp and Elmira Savings Bank, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Westbury Bancorp 0 0 0 0 N / A
Elmira savings bank 0 0 0 0 N / A

Valuation and benefits

This chart compares the gross revenue, earnings per share (EPS), and valuation of Westbury Bancorp and Elmira Savings Bank.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Westbury Bancorp $38.78 million 2.01 $9.53 million $3.03 9.79
Elmira savings bank $26.58 million 3.02 $5.22 million $1.47 3:70 p.m.

Westbury Bancorp has higher revenue and profit than Elmira Savings Bank. Westbury Bancorp trades at a lower price-to-earnings ratio than Elmira Savings Bank, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

4.1% of Westbury Bancorp shares are held by institutional investors. 10.9% of Westbury Bancorp shares are held by insiders. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares the net margins, return on equity and return on assets of Westbury Bancorp and Elmira Savings Bank.

Net margins Return on equity return on assets
Westbury Bancorp 22.55% N / A N / A
Elmira savings bank 21.04% N / A N / A

Summary

Westbury Bancorp beats Elmira Savings Bank on 6 out of 9 factors compared between the two stocks.

Westbury Bancorp Company Profile (Get a rating)

Westbury Bancorp, Inc. operates as a holding company for Westbury Bank which provides various community banking and financial products and services to individuals, families and businesses in the United States. The company offers checking and savings accounts, money market accounts, certificates of deposit and term certificate accounts; personal loans, mortgages, residential real estate for one to four families, multifamily, commercial, loans, commercial real estate loans and construction loans; credit card; and online and mobile banking. It operates eight banking offices and a loan origination office in Washington, Waukesha and Dane counties. Westbury Bancorp, Inc. was founded in 1926 and is headquartered in Waukesha, Wisconsin.

Elmira Savings Bank Company Profile (Get a rating)

Elmira Savings Bank LogoElmira Savings Bank provides financial services to consumers and businesses. It offers savings and money market accounts, term deposits, retail and commercial checking accounts, and NOW accounts; certificates of deposit; residential and commercial real estate, construction, commercial loans, as well as consumer loans, including installment loans, overdraft line of credit and home equity loans; and mortgage loans secured by first and second liens on single family residences of four. The company also operates a real estate investment trust; and provides financial planning advisory services. The company operates through a network of twelve full-service offices located in Chemung, Tompkins, Cayuga, Schuyler and Steuben counties; and a limited-service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is based in Elmira, New York.



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