Karen Hammond - Two Harbors Independent Director

TWO Stock  USD 12.57  0.25  2.03%   

Director

Ms. Karen Hammond is Independent Director of the company since July 2018. Ms. Hammond served as a director of CYS Investments, Inc. from October 2014 until its merger with Two Harbors. Ms. Hammond served as Managing Director of Devonshire Investors, a private equity group within Fidelity, from 2007 through 2013. From 1993 to 2007, Ms. Hammond held various positions at Fidelity. She was Vice President and Chief Administrative Officer in Equity Research for Fidelity Management Research Company, Vice PresidentAssociate Group Leader in International Equities for Fidelity Management Research Company, Chief Operating Officer of Investments in Fidelity Investments Japan, Senior Vice President and Corporationrationrate Treasurer at FMR Corporationration, and Senior Vice President of Investment Services for Fidelity Management Research Company. Before serving at Fidelity, Ms. Hammond was Treasurer and Chief Financial Officer at the Boston Five Cents Savings Bank. Ms. Hammond serves as a Member of the Rhode Island State Investment Commission, a Trustee of Simmons College, a Trustee of Rhode Island School of Design and as a Board of Governor for the RISD Museum. Ms. Hammond previously served as a board member of Moses Brown School and as Vice Chair of the Nellie Mae Education Foundation since 2018.
Age 63
Tenure 6 years
Address 1601 Utica Avenue South, Saint Louis Park, MN, United States, 55416
Phone612 453 4100
Webhttps://www.twoharborsinvestment.com
Hammond was appointed as a director pursuant to contractual rights of CYS granted in the merger agreement between Two Harbors and CYS. We believe Ms. Hammond is qualified to serve as a director because of her diverse experience in investment management, fixed income and mortgage banking, private equity, corporate treasury and banking.

Two Harbors Management Efficiency

The company has Return on Asset of 0.0202 % which means that on every $100 spent on assets, it made $0.0202 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1222 %, implying that it generated $0.1222 on every 100 dollars invested. Two Harbors' management efficiency ratios could be used to measure how well Two Harbors manages its routine affairs as well as how well it operates its assets and liabilities. As of the 25th of May 2024, Return On Tangible Assets is likely to grow to -0.01. In addition to that, Return On Capital Employed is likely to grow to -0.01. At this time, Two Harbors' Total Assets are very stable compared to the past year. As of the 25th of May 2024, Non Current Assets Total is likely to grow to about 12.9 B, while Non Currrent Assets Other are likely to drop (11.9 B).
The company has 1.89 B in debt with debt to equity (D/E) ratio of 5.57, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Two Harbors Investments has a current ratio of 0.2, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Debt can assist Two Harbors until it has trouble settling it off, either with new capital or with free cash flow. So, Two Harbors' 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 Two Harbors Investments sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Two to invest in growth at high rates of return. When we think about Two Harbors' use of debt, we should always consider it together with cash and equity.

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Two Harbors Investment Corp. operates as a real estate investment trust that focuses on investing in, financing, and managing residential mortgage-backed securities , non-agency securities, mortgage servicing rights, and other financial assets in the United States. Two Harbors Investment Corp. was incorporated in 2009 and is headquartered in Minnetonka, Minnesota. Two Harbors operates under REITMortgage classification in the United States and is traded on New York Stock Exchange. It employs 105 people. Two Harbors Investments (TWO) is traded on New York Stock Exchange in USA. It is located in 1601 Utica Avenue South, Saint Louis Park, MN, United States, 55416 and employs 466 people. Two Harbors is listed under Mortgage Real Estate Investment Trusts (REITs) category by Fama And French industry classification.

Management Performance

Two Harbors Investments Leadership Team

Elected by the shareholders, the Two Harbors' board of directors comprises two types of representatives: Two Harbors inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Two. The board's role is to monitor Two Harbors' management team and ensure that shareholders' interests are well served. Two Harbors' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Two Harbors' outside directors are responsible for providing unbiased perspectives on the board's policies.
Jason Vinar, VP Operations
Sheila Lichty, VP Treasurer
Stephen Kasnet, Independent Chairman of the Board
William Greenberg, President, Chief Executive Officer, Chief Investment Officer, Director
Matthew Koeppen, Managing Director, Co-Deputy Chief Investment Officer
Paulenier Sims, Director Relations
Robert Rush, VP Officer
Margaret Karr, Head Relations
Hope Woodhouse, Independent Director
James Bender, Independent Director
Edward Abraham, Independent Director
Thomas Siering, President, Chief Executive Officer, Director
W Sanders, Independent Director
Alecia Hanson, VP Officer
Karen Hammond, Independent Director
Rebecca Sandberg, Chief Compliance Officer, Vice President, General Counsel, Company Secretary
James Stern, Independent Director
Matt Keen, VP CTO
Nicholas Letica, VP Officer
Mary Riskey, Chief Financial Officer, Vice President

Two 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 Two Harbors 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.

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When determining whether Two Harbors Investments offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Two Harbors' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Two Harbors Investments Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Two Harbors Investments Stock:
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When running Two Harbors' price analysis, check to measure Two Harbors' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Two Harbors is operating at the current time. Most of Two Harbors' value examination focuses on studying past and present price action to predict the probability of Two Harbors' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Two Harbors' price. Additionally, you may evaluate how the addition of Two Harbors to your portfolios can decrease your overall portfolio volatility.
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Is Two Harbors' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Two Harbors. If investors know Two will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Two Harbors listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.011
Dividend Share
1.8
Earnings Share
2.18
Revenue Per Share
6.325
Quarterly Revenue Growth
0.001
The market value of Two Harbors Investments is measured differently than its book value, which is the value of Two that is recorded on the company's balance sheet. Investors also form their own opinion of Two Harbors' value that differs from its market value or its book value, called intrinsic value, which is Two Harbors' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Two Harbors' market value can be influenced by many factors that don't directly affect Two Harbors' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Two Harbors' value and its price as these two are different measures arrived at by different means. Investors typically determine if Two Harbors is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Two Harbors' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.