Martin Lapera - Frederick County CEO
CEO
Mr. Martin S. Lapera is President, Chief Executive Officer, Director of Frederick County Bancorp, Inc. Mr. Lapera was Executive Vice President of FCNB Corporationration Frederick, Maryland, until its acquisition by BBT Corporation in January 2001, and Executive Vice President, Chief Operating Officer and Chief Lending Officer of FCNB Bank, its 1.6 billion subsidiary, and Senior Vice President and Senior Credit Officer of the Potomac region of BBT Bank, until May 2001. Mr. Lapera was served on the Company board of directors since inception in 2001, which includes service as a director of the Bank prior to formation of the Company. Prior to joining FCNB Bank in 1985, Mr. Lapera was Vice President of First National Bank of Maryland
| Age | 59 |
| Professional Marks | MBA |
| Phone | 301-620-1400 |
| Web | http://www.fcbmd.com |
Frederick County Management Efficiency
The company has return on total asset (ROA) of 0.51 % which means that it generated a profit of $0.51 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 6.22 %, meaning that it created $6.22 on every $100 dollars invested by stockholders. Frederick County's management efficiency ratios could be used to measure how well Frederick County manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 29.64 M in liabilities. Debt can assist Frederick County until it has trouble settling it off, either with new capital or with free cash flow. So, Frederick County'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 Frederick County Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Frederick to invest in growth at high rates of return. When we think about Frederick County's use of debt, we should always consider it together with cash and equity.
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| Paul WestSells | Western Copper and | N/A | |
| Ty Silberhorn | Apogee Enterprises | 56 | |
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Management Performance
| Return On Equity | 6.22 | |||
| Return On Asset | 0.51 |
Frederick County Bancorp Leadership Team
Elected by the shareholders, the Frederick County's board of directors comprises two types of representatives: Frederick County inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Frederick. The board's role is to monitor Frederick County's management team and ensure that shareholders' interests are well served. Frederick County'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, Frederick County's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Robert Carmack, Independent Director | ||
| John Burdette, Chairman Emeritus | ||
| Raymond Raedy, Chairman, Secretary and Chairman of Frederick County Bank | ||
| Martin Lapera, CEO and President Director, CEO of Frederick County Bank and President of Frederick County Bank and Director of Frederick County Bank | ||
| Kimberly Chaney, Director | ||
| Emil Bennett, Independent Director | ||
| John Crum, Independent Director | ||
| Kenneth McCombs, Independent Director | ||
| Ellis Barber, Independent Director | ||
| William Talley, COO, CFO, Executive VP, COO of Frederick County Bank, CFO of Frederick County Bank and Executive VP of Frederick County Bank | ||
| Farhad Memarsadeghi, Independent Director |
Frederick 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 Frederick County 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 | 6.22 | |||
| Return On Asset | 0.51 | |||
| Profit Margin | 14.26 % | |||
| Operating Margin | 21.96 % | |||
| Current Valuation | 27.91 M | |||
| Shares Outstanding | 1.51 M | |||
| Shares Owned By Insiders | 30.85 % | |||
| Price To Earning | 25.35 X | |||
| Price To Book | 1.53 X | |||
| Price To Sales | 1.96 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 Frederick County 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, Frederick County's short interest history, or implied volatility extrapolated from Frederick County options trading.
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Try AI Portfolio ArchitectCheck out Investing Opportunities 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 Frederick County Bancorp information on this page should be used as a complementary analysis to other Frederick County'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 Fundamental Analysis module to view fundamental data based on most recent published financial statements.
Other Consideration for investing in Frederick Pink Sheet
If you are still planning to invest in Frederick County Bancorp 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 Frederick County's history and understand the potential risks before investing.
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