Francis Giudici - 1st Capital Director

FISB Stock  USD 10.70  0.09  0.85%   

Director

Mr. Francis Giudici is Director of 1st Capital Bank effective August 16, 2013. He is a lifelong Monterey County resident and the President of L.A. Hearne Company, headquartered in King City, California. L.A. Hearne Company is a family owned, diversified agricultural business that markets farm products, seed, and animal feed operates retail farm stores provides trucking services and operates various ancillary lines of business. L.A. Hearne employs about 100 individuals. Before joining the Board of Directors, Mr. Giudici served on and actively participated in the Banks Salinas Valley Advisory Board for several years. Mr. Giudici was extensively involved in agricultural industry organizations throughout his career, including serving as President or Chairman for a number of entities since 2013.
Age 60
Tenure 11 years
Phone831 264 4000
Webhttps://www.1stcapital.bank
Giudici has also devoted over two decades to supporting local youth athletics, including coaching both football and baseball. The Board of Directors believes that Mr. Giudici’s experience in a leadership role in agricultural management and marketing enables him to offer considerable business acumen and key insights into the banking needs of the Bank’s client base and makes him an excellent candidate for Director of the Bank.

1st Capital Management Efficiency

1st Capital's management efficiency ratios could be used to measure how well 1st Capital manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 14.66 M in liabilities. Debt can assist 1st Capital until it has trouble settling it off, either with new capital or with free cash flow. So, 1st 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 1st Capital Bank sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for 1st to invest in growth at high rates of return. When we think about 1st Capital's use of debt, we should always consider it together with cash and equity.

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1st Capital Bancorp operates as the bank holding company for 1st Capital Bank that provides various banking products and services for businesses, professionals, real estate investors, family commercial entities, and individuals in the Central Coast region of California. The company was founded in 2007 and is headquartered in Salinas, California. 1ST CAP operates under BanksRegional classification in the United States and is traded on OTC Exchange. 1st Capital Bank [FISB] is traded as part of a regulated electronic over-the-counter service offered by the NASD.

Management Performance

1st Capital Bank Leadership Team

Elected by the shareholders, the 1st Capital's board of directors comprises two types of representatives: 1st Capital inside directors who are chosen from within the company, and outside directors, selected externally and held independent of 1st. The board's role is to monitor 1st Capital's management team and ensure that shareholders' interests are well served. 1st 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, 1st Capital's outside directors are responsible for providing unbiased perspectives on the board's policies.
Samuel CPA, Chief Officer
Vida Villanueva, EVP COO
Glenna Datta, VP Pres
Demetri Snow, Regional President
Thomas Meyer, CEO and Pres
Gregory Thelen, Director
Kurt Gollnick, Chairman of the Board
Dale Diederick, Executive Vice President and Chief Credit Officer
Thomas Anderson, SVP Pres
Francis Giudici, Director
Dean Austin, Senior Vice President and Managing Director of the Bank's Santa Cruz Region
Jon Ditlevsen, Executive Vice President Chief Lending Officer
Daniel Hightower, Vice Chairman of the Board
Michael Winiarski, CFO, Executive Vice President
Robin Seelye, Executive Vice President Chief Administrative Officer
Warren Wayland, Director
Greg Thelen, Director
Susan Freeland, Director
Henry Ruhnke, Director
Jeff Mercer, Chief Officer
Phil Morreale, Senior Vice President Managing Director
Danelle Thomsen, Ex CFO

1st Stock Performance Indicators

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Please note, there is a significant difference between 1st Capital's value and its price as these two are different measures arrived at by different means. Investors typically determine if 1st Capital is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, 1st Capital's 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.