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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength

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GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth

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» FCBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

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P/S 2.50
FCBI's P/S is ranked lower than
55% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. FCBI: 2.50 )
FCBI' s 10-Year P/S Range
Min: 0   Max: 0
Current: 2.5

Dividend & Buy Back

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Dividend Yield 1.30
FCBI's Dividend Yield is ranked lower than
75% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. FCBI: 1.30 )
FCBI' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 1.3

Yield on cost (5-Year) 1.30
FCBI's Yield on cost (5-Year) is ranked lower than
75% of the 1522 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. FCBI: 1.30 )
FCBI' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 1.3

Valuation & Return

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Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Frederick County Bancorp, Inc., the parent Company for its wholly-owned subsidiary Frederick County Bank was organized in September 2003. The Bank was incorporated under the laws of the state of Maryland in August 2000 and commenced banking operations in October 2001. The Bank provides its customers with various banking services. The Bank offers various loan and deposit products to the customers. The Bank's customers include individuals and commercial enterprises within its main market area consisting of Frederick County, Maryland. The Company operates out of five banking offices located in the City of Frederick and Walkersville, Maryland. The Company also has a subsidiary trust, established to issue trust preferred securities, and two subsidiaries established to hold foreclosed properties. The two subsidiaries established to hold foreclosed properties are known as FCB Holdings, Inc (a direct subsidiary of Bancorp) and FCB Hagerstown, LLC (an indirect subsidiary of Bancorp). Additionally, the Bank maintains correspondent banking relationships and transacts daily federal funds sales on an unsecured basis with regional correspondent banks. In Frederick County, Maryland, competition is exceptionally keen from banking institutions headquartered outside of Maryland. The Gramm-Leach-Bliley Act (the 'GLB Act') created a new type of regulated entity, the financial holding Company that could offer a range of financial products. Bancorp is registered as a bank holding Company to the Bank Holding Company Act of 1956, as amended (the 'Holding Company Act') and, as such, is subject to supervision and regulation by the Federal Reserve.

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