Lloyd Hillard - Farmers Capital CEO

CEO

Mr. Lloyd C. Hillard, Jr., is President, Chief Executive Officer, Director of Farmers Capital Bank Corporationrationration. He is President and CEO of Corporation since January 2010 President and CEO of First Citizens Bank from 1992 2010 Director of Farmers Bank Capital Trust Company, United Bank Trust Company, First Citizens Bank, Citizens Bank of Northern Kentucky, EGT Properties, Inc. and FCB Services, Inc. Chairman of the Board of UBCT Farmers Capital Insurance Corporation President and Director of FFKT Insurance Services, Inc since 2010.
Age 69
Tenure 14 years
Phone502 227-1668
Webwww.farmerscapital.com
Hillard’s extensive banking career, his significant executive management experience in the banking industry and extensive financial expertise including experience as CFO of a previous banking organization, his knowledge of local communities, including through service on numerous local and national boards of various civic and professional organizations, and his indepth knowledge of the Corporationrationrationration’s business, strategy and management team make him highly qualified to lead us and to serve as our CEO.

Farmers Capital Management Efficiency

The company has return on total asset (ROA) of 0.61 % which means that it generated a profit of $0.61 on every $100 spent on assets. This is way below average. Farmers Capital's management efficiency ratios could be used to measure how well Farmers Capital manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 70.43 M in liabilities with Debt to Equity (D/E) ratio of 9.11, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Farmers Capital until it has trouble settling it off, either with new capital or with free cash flow. So, Farmers Capital'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 Farmers Capital Bank sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Farmers to invest in growth at high rates of return. When we think about Farmers Capital's use of debt, we should always consider it together with cash and equity.

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Farmers Capital Bank Corporation operates as the bank holding company for United Bank Capital Trust Company that provides banking and bank-related services to individual, business, agriculture, government, and educational customers. Farmers Capital Bank Corporation was founded in 1850 and is headquartered in Frankfort, Kentucky. Farmers Capital operates under Banks - Regional - US classification in USA and is traded on NASDAQ. It employs 425 people. Farmers Capital Bank (FFKT) is traded on NASDAQ Exchange in USA and employs 425 people.

Management Performance

Farmers Capital Bank Leadership Team

Elected by the shareholders, the Farmers Capital's board of directors comprises two types of representatives: Farmers Capital inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Farmers. The board's role is to monitor Farmers Capital's management team and ensure that shareholders' interests are well served. Farmers Capital'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, Farmers Capital's outside directors are responsible for providing unbiased perspectives on the board's policies.
William Nash, Independent Director
Mark Hampton, President CFO, Executive Vice President
David Phelps, Independent Director
Marvin Strong, Independent Director
Fred Parker, Independent Director
Lloyd Hillard, CEO and President Director and Director of Farmers Bank and Capital Trust Company
Bruce Dungan, Advisory Director
Judy Worth, Independent Director
Barry Banker, Independent Vice Chairman of the Board
Charles Sutterlin, Director
Rickey Harp, President and CEO of Farmers Bank & Capital Trust Company
Michael Crawford, Independent Director
John Farris, Independent Director
David OBryan, Independent Director
John Roach, Director
Douglas Carpenter, Executive VP of Fin.
Terry Bennett, Independent Chairman of the Board
David Smith, Senior Executive Vice President and COO
James Grubbs, President & CEO - United Bank & Trust Company

Farmers 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 Farmers Capital 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.
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 Farmers Capital 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, Farmers Capital's short interest history, or implied volatility extrapolated from Farmers Capital options trading.

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Other Consideration for investing in Farmers Stock

If you are still planning to invest in Farmers Capital Bank 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 Farmers Capital's history and understand the potential risks before investing.
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