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Financial Services - Banks - Regional - NASDAQ - US
$ 17.4
-1.36 %
$ 132 M
Market Cap
14.38
P/E
1. INTRINSIC VALUE

MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, remote deposit capture, and courier services. It also provides commercial loans, including government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards.[ Read More ]

The intrinsic value of one MNSB stock under the base case scenario is HIDDEN Compared to the current market price of 17.4 USD, MainStreet Bancshares, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart MNSB

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FINANCIALS
79.6 M REVENUE
6.34%
0 OPERATING INCOME
0.00%
26.6 M NET INCOME
-0.33%
31.6 M OPERATING CASH FLOW
-5.70%
-131 M INVESTING CASH FLOW
42.84%
83 M FINANCING CASH FLOW
-64.30%
33.6 M REVENUE
-1.78%
30 M OPERATING INCOME
951.12%
-7.1 M NET INCOME
-271.24%
-8.19 M OPERATING CASH FLOW
-697.36%
-15.4 M INVESTING CASH FLOW
72.24%
245 M FINANCING CASH FLOW
1066.79%
Balance Sheet Decomposition MainStreet Bancshares, Inc.
image
Current Assets 115 M
Cash & Short-Term Investments 115 M
Receivables 0
Other Current Assets 0
Non-Current Assets 112 M
Long-Term Investments 77.2 M
PP&E 20.2 M
Other Non-Current Assets 14.7 M
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 1.81 B
Long-Term Debt 72.6 M
Other Non-Current Liabilities 1.74 B
EFFICIENCY
Earnings Waterfall MainStreet Bancshares, Inc.
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Revenue 79.6 M
Cost Of Revenue 2.78 M
Gross Profit 76.8 M
Operating Expenses 79.6 M
Operating Income 0
Other Expenses -26.6 M
Net Income 26.6 M
RATIOS
96.51% GROSS MARGIN
96.51%
0.00% OPERATING MARGIN
0.00%
33.40% NET MARGIN
33.40%
12.00% ROE
12.00%
1.31% ROA
1.31%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis MainStreet Bancshares, Inc.
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Net Income 26.6 M
Depreciation & Amortization 1.78 M
Capital Expenditures -6 M
Stock-Based Compensation 2.49 M
Change in Working Capital -1.09 M
Others 971 K
Free Cash Flow 25.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets MainStreet Bancshares, Inc.
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MNSB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.69% DIVIDEND YIELD
0.1 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership MainStreet Bancshares, Inc.
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
1.92 K USD 1
0-3 MONTHS
45.3 K USD 2
3-6 MONTHS
85.2 K USD 4
6-9 MONTHS
12.2 K USD 1
9-12 MONTHS
Date Value Insider Amount Avg Price
2 months ago
Aug 29, 2024
Bought 1.92 K USD
DICK JEFF W
Chairman, President and CEO
+ 113
16.9885 USD
3 months ago
Aug 16, 2024
Bought 12.1 K USD
DICK JEFF W
Chairman, President and CEO
+ 698
17.395 USD
3 months ago
Aug 02, 2024
Bought 25 K USD
DICK JEFF W
Chairman, President and CEO
+ 1524
16.4 USD
5 months ago
Jun 04, 2024
Bought 8.15 K USD
Manouchehri Ali R
other: Director - MainStreet Bank
+ 500
16.31 USD
6 months ago
May 13, 2024
Bought 16.9 USD
DICK JEFF W
Chairman, President and CEO
+ 1
16.88 USD
6 months ago
May 13, 2024
Bought 16.8 USD
DICK JEFF W
Chairman, President and CEO
+ 1
16.84 USD
6 months ago
May 13, 2024
Bought 9.79 K USD
DICK JEFF W
Chairman, President and CEO
+ 582
16.82 USD
6 months ago
May 13, 2024
Bought 1.33 K USD
DICK JEFF W
Chairman, President and CEO
+ 79
16.795 USD
6 months ago
May 13, 2024
Bought 585 USD
DICK JEFF W
Chairman, President and CEO
+ 35
16.71 USD
6 months ago
May 13, 2024
Bought 2.11 K USD
DICK JEFF W
Chairman, President and CEO
+ 127
16.64 USD
6 months ago
May 02, 2024
Bought 3.2 K USD
ECHLOV RUSSELL
Director
+ 200
16.02 USD
6 months ago
Apr 29, 2024
Bought 16.1 USD
DICK JEFF W
Chairman, President and CEO
+ 1
16.11 USD
6 months ago
Apr 29, 2024
Bought 2.5 K USD
DICK JEFF W
Chairman, President and CEO
+ 155
16.13 USD
6 months ago
Apr 29, 2024
Bought 3.2 K USD
DICK JEFF W
Chairman, President and CEO
+ 200
16.02 USD
6 months ago
Apr 29, 2024
Bought 11.3 K USD
DICK JEFF W
Chairman, President and CEO
+ 700
16.14 USD
6 months ago
Apr 26, 2024
Bought 3.12 K USD
ECHLOV RUSSELL
Director
+ 200
15.62 USD
6 months ago
Apr 24, 2024
Bought 11.6 K USD
Brockett Charles C.
Director
+ 710
16.4 USD
6 months ago
Apr 24, 2024
Bought 7.38 K USD
Brockett Charles C.
Director
+ 450
16.4 USD
6 months ago
Apr 24, 2024
Bought 4.98 K USD
Vari Richard Alexander
Chief Accounting Officer
+ 310
16.05 USD
8 months ago
Mar 01, 2024
Bought 349 USD
Brockett Charles C.
Director
+ 19
18.36 USD
8 months ago
Feb 29, 2024
Bought 12.2 K USD
DICK JEFF W
Chairman, President and CEO
+ 675
18 USD
8 months ago
Feb 21, 2024
Bought 3.9 K USD
Brockett Charles C.
Director
+ 215
18.12 USD
8 months ago
Feb 21, 2024
Bought 7.58 K USD
Brockett Charles C.
Director
+ 410
18.49 USD
11 months ago
Nov 27, 2023
Bought 10.3 K USD
DICK JEFF W
Chairman, President and CEO
+ 469
21.86 USD
11 months ago
Nov 27, 2023
Bought 1.91 K USD
DICK JEFF W
Chairman, President and CEO
+ 87
21.98 USD
1 year ago
Aug 23, 2023
Bought 2.22 K USD
ECHLOV RUSSELL
Director
+ 100
22.25 USD
1 year ago
Aug 23, 2023
Bought 2.23 K USD
ECHLOV RUSSELL
Director
+ 100
22.34 USD
1 year ago
Aug 17, 2023
Bought 1.11 K USD
ECHLOV RUSSELL
Director
+ 50
22.28 USD
1 year ago
Aug 17, 2023
Bought 2.25 K USD
ECHLOV RUSSELL
Director
+ 100
22.52 USD
1 year ago
Aug 17, 2023
Bought 2.27 K USD
ECHLOV RUSSELL
Director
+ 100
22.73 USD
1 year ago
Aug 16, 2023
Bought 2.28 K USD
ECHLOV RUSSELL
Director
+ 100
22.85 USD
1 year ago
Aug 04, 2023
Bought 2.4 K USD
ECHLOV RUSSELL
Director
+ 100
24.02 USD
1 year ago
Aug 08, 2023
Bought 2.41 K USD
ECHLOV RUSSELL
Director
+ 100
24.1 USD
1 year ago
Aug 08, 2023
Bought 2.4 K USD
ECHLOV RUSSELL
Director
+ 100
24 USD
1 year ago
Aug 15, 2023
Bought 2.36 K USD
ECHLOV RUSSELL
Director
+ 100
23.65 USD
1 year ago
Aug 15, 2023
Bought 2.34 K USD
ECHLOV RUSSELL
Director
+ 100
23.37 USD
1 year ago
Aug 15, 2023
Bought 13.1 K USD
DICK JEFF W
Chairman, President and CEO
+ 551
23.7 USD
1 year ago
Aug 11, 2023
Bought 168 USD
ECHLOV RUSSELL
Director
+ 7
24.06 USD
1 year ago
Aug 03, 2023
Bought 2.39 K USD
ECHLOV RUSSELL
Director
+ 100
23.92 USD
1 year ago
Jul 31, 2023
Bought 2.38 K USD
ECHLOV RUSSELL
Director
+ 100
23.81 USD
1 year ago
Jul 31, 2023
Bought 2.15 K USD
ECHLOV RUSSELL
Director
+ 90
23.84 USD
1 year ago
Jul 31, 2023
Bought 2.62 K USD
ECHLOV RUSSELL
Director
+ 110
23.85 USD
1 year ago
Jul 31, 2023
Bought 2.4 K USD
ECHLOV RUSSELL
Director
+ 100
24 USD
1 year ago
Jul 26, 2023
Bought 7.35 K USD
ECHLOV RUSSELL
Director
+ 300
24.5 USD
1 year ago
Jul 26, 2023
Bought 7.34 K USD
ECHLOV RUSSELL
Director
+ 300
24.45 USD
1 year ago
May 23, 2023
Bought 3.3 K USD
CHMELIK THOMAS J
Chief Financial Officer
+ 153
21.6 USD
1 year ago
May 23, 2023
Bought 4.97 K USD
CHMELIK THOMAS J
Chief Financial Officer
+ 241
20.63 USD
1 year ago
May 16, 2023
Bought 164 USD
DICK JEFF W
Chairman, President and CEO
+ 8
20.5 USD
1 year ago
May 16, 2023
Bought 1.87 K USD
DICK JEFF W
Chairman, President and CEO
+ 90
20.8 USD
1 year ago
May 16, 2023
Bought 9.97 K USD
DICK JEFF W
Chairman, President and CEO
+ 483
20.64 USD
1 year ago
May 12, 2023
Bought 4.97 K USD
CHMELIK THOMAS J
Chief Financial Officer
+ 241
20.63 USD
1 year ago
May 09, 2023
Bought 3.17 K USD
Vari Richard Alexander
Chief Accounting Officer
+ 158
20.06 USD
1 year ago
Apr 28, 2023
Bought 9.44 K USD
Brockett Charles C.
Director
+ 440
21.46 USD
1 year ago
Apr 28, 2023
Bought 3.55 K USD
Brockett Charles C.
Director
+ 164
21.66 USD
1 year ago
Apr 26, 2023
Bought 234 K USD
DICK JEFF W
Chairman, President and CEO
+ 10914
21.4 USD
1 year ago
Apr 24, 2023
Bought 12 K USD
DICK JEFF W
Chairman, President and CEO
+ 556
21.5 USD
1 year ago
Feb 03, 2023
Bought 10.2 K USD
DeLeon Rafael E
Director
+ 346
29.61 USD
2 years ago
Nov 18, 2022
Bought 994 USD
DICK JEFF W
Chairman, President and CEO
+ 34
29.23 USD
2 years ago
Nov 17, 2022
Bought 1.87 K USD
DICK JEFF W
Chairman, President and CEO
+ 65
28.81 USD
2 years ago
Nov 17, 2022
Bought 8.91 K USD
DICK JEFF W
Chairman, President and CEO
+ 309
28.85 USD
2 years ago
Sep 12, 2022
Bought 5.05 K USD
DICK JEFF W
Chairman, President and CEO
+ 210
24.07 USD
2 years ago
Sep 09, 2022
Bought 1.86 K USD
DICK JEFF W
Chairman, President and CEO
+ 77
24.21 USD
2 years ago
Sep 09, 2022
Bought 5.55 K USD
DICK JEFF W
Chairman, President and CEO
+ 230
24.11 USD
2 years ago
Jul 27, 2022
Sell 15.7 K USD
Hersiburane Abdulhamid
President
- 700
22.4 USD
2 years ago
Mar 09, 2022
Bought 5.07 K USD
DICK JEFF W
Chairman & CEO
+ 210
24.15 USD
2 years ago
Mar 08, 2022
Bought 3.61 K USD
DICK JEFF W
Chairman & CEO
+ 150
24.07 USD
2 years ago
Mar 08, 2022
Bought 169 USD
DICK JEFF W
Chairman & CEO
+ 7
24.13 USD
2 years ago
Mar 08, 2022
Bought 796 USD
DICK JEFF W
Chairman & CEO
+ 33
24.12 USD
2 years ago
Mar 08, 2022
Bought 3.43 K USD
DICK JEFF W
Chairman & CEO
+ 144
23.85 USD
2 years ago
Mar 07, 2022
Bought 12.1 K USD
CHMELIK THOMAS J
Chief Financial Officer
+ 500
24.15 USD
3 years ago
Oct 29, 2021
Bought 27.5 K USD
RUST PATSY I
Director
+ 1000
27.489 USD
3 years ago
Jul 12, 2021
Sell 31.8 K USD
Hersiburane Abdulhamid
President
- 1400
22.71 USD
3 years ago
Feb 05, 2021
Bought 870 USD
ECHLOV RUSSELL
Director
+ 50
17.4 USD
3 years ago
Feb 05, 2021
Bought 3.49 K USD
ECHLOV RUSSELL
Director
+ 200
17.43 USD
3 years ago
Dec 14, 2020
Bought 2.48 K USD
ECHLOV RUSSELL
Director
+ 150
16.52 USD
4 years ago
Oct 28, 2020
Bought 25.7 K USD
RUST PATSY I
Director
+ 1000
25.68 USD
4 years ago
Oct 26, 2020
Sell 1.5 M USD
ECHLOV RUSSELL
Director
- 98780
15.2 USD
4 years ago
Oct 26, 2020
Sell 7.78 M USD
ECHLOV RUSSELL
Director
- 512143
15.2 USD
4 years ago
Aug 14, 2020
Bought 4.14 K USD
Brockett Charles C.
President
+ 300
13.8 USD
4 years ago
Jun 12, 2020
Bought 13.1 K USD
DICK JEFF W
Chairman & CEO
+ 1000
13.1 USD
4 years ago
May 13, 2020
Bought 31.9 K USD
Brockett Charles C.
President
+ 2400
13.3 USD
4 years ago
Apr 16, 2020
Bought 2.06 K USD
Brockett Charles C.
President
+ 150
13.75 USD
4 years ago
Mar 16, 2020
Bought 66.6 K USD
CHMELIK THOMAS J
Chief Financial Officer
+ 4040
16.48 USD
4 years ago
Feb 11, 2020
Sell 60.6 K USD
SAEGER TERRY M
Director
- 2695
22.5 USD
4 years ago
Feb 10, 2020
Bought 16.5 K USD
SAEGER TERRY M
Director
+ 726
22.7181 USD
4 years ago
Feb 10, 2020
Bought 77.9 K USD
SAEGER TERRY M
Director
+ 3428
22.7163 USD
4 years ago
Feb 10, 2020
Bought 11.4 K USD
SAEGER TERRY M
Director
+ 500
22.71 USD
4 years ago
Feb 10, 2020
Bought 4.54 K USD
SAEGER TERRY M
Director
+ 200
22.71 USD
4 years ago
Feb 10, 2020
Bought 6.97 K USD
SAEGER TERRY M
Director
+ 307
22.7 USD
4 years ago
Feb 10, 2020
Bought 2.27 K USD
SAEGER TERRY M
Director
+ 100
22.7 USD
4 years ago
Feb 10, 2020
Bought 2.27 K USD
SAEGER TERRY M
Director
+ 100
22.69 USD
4 years ago
Feb 10, 2020
Bought 908 USD
SAEGER TERRY M
Director
+ 40
22.69 USD
4 years ago
Feb 10, 2020
Bought 4.54 K USD
SAEGER TERRY M
Director
+ 200
22.68 USD
4 years ago
Feb 10, 2020
Bought 4.53 K USD
SAEGER TERRY M
Director
+ 200
22.67 USD
4 years ago
Feb 10, 2020
Bought 3.47 K USD
SAEGER TERRY M
Director
+ 153
22.66 USD
4 years ago
Feb 10, 2020
Sell 71 K USD
SAEGER TERRY M
Director
- 3155
22.5 USD
4 years ago
Feb 10, 2020
Sell 2.25 K USD
SAEGER TERRY M
Director
- 100
22.51 USD
4 years ago
Feb 10, 2020
Bought 1.04 K USD
SAEGER TERRY M
Director
+ 46
22.65 USD
4 years ago
Feb 10, 2020
Sell 1.13 K USD
SAEGER TERRY M
Director
- 50
22.52 USD
7. News
MainStreet Bancshares, Inc. (MNSB) Q3 2024 Earnings Call Transcript MainStreet Bancshares, Inc. (NASDAQ:MNSB ) Q3 2024 Earnings Conference Call October 28, 2024 2:00 PM ET Company Participants Jeff Dick - Chairman & Chief Executive Officer Alex Vari - Chief Accountant Tom Floyd - Chief Lending Officer Tom Chmelik - Chief Financial Officer Conference Call Participants Chris Marinac - Janney Montgomery Scott Matt Breese - Stephens Jeff Dick Good afternoon, and thank you for joining our Virtual Earnings Webcast. My name is Jeff Dick, I'm the Chairman and CEO of MainStreet Bancshares Inc. and MainStreet Bank. seekingalpha.com - 2 weeks ago
MainStreet Bank (MNSB) Reports Q3 Loss, Tops Revenue Estimates MainStreet Bank (MNSB) came out with a quarterly loss of $0.04 per share in line with the Zacks Consensus Estimate. This compares to earnings of $0.77 per share a year ago. zacks.com - 2 weeks ago
Analysts Estimate MainStreet Bank (MNSB) to Report a Decline in Earnings: What to Look Out for MainStreet Bank (MNSB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 weeks ago
MainStreet Bancshares, Inc. (MNSB) Q2 2024 Earnings Call Transcript MainStreet Bancshares, Inc. (NASDAQ:MNSB ) Q2 2024 Earnings Conference Call July 29, 2024 2:00 PM ET Company Participants Jeff Dick - Chairman and Chief Executive Officer Alex Vari - Chief Accountant Tom Floyd - Chief Lending Officer Tom Chmelik - Chief Financial Officer Conference Call Participants Chris Marinac - Janney Montgomery Scott Matt Breese - Stephens Jeff Dick Everyone and thank you for joining our Virtual Earnings Webcast. My name is Jeff Dick, and I'm the Chairman and CEO of MainStreet Bancshares Inc. and MainStreet Bank. seekingalpha.com - 3 months ago
MainStreet Bank (MNSB) Lags Q2 Earnings and Revenue Estimates MainStreet Bank (MNSB) came out with quarterly earnings of $0.27 per share, missing the Zacks Consensus Estimate of $0.32 per share. This compares to earnings of $0.85 per share a year ago. zacks.com - 3 months ago
MainStreet Bancshares Inc. Reports a Profitable Second Quarter Rise in Core Deposits Fueled an Uptick in Loan Growth FAIRFAX, Va. , July 29, 2024 /PRNewswire/ -- MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the holding company for MainStreet Bank, reported net income of $2.6 million for the second quarter of 2024. prnewswire.com - 3 months ago
MainStreet Bank's Tom Floyd Honored by Independent Banker Magazine As Emerging Community Bank Leader Chief Lending Officer Is Named to Prestigious 40 under 40 List FAIRFAX, Va. , June 4, 2024 /PRNewswire/ -- MainStreet Bank and its parent company, MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), are pleased to announce that Executive Vice President and Chief Lending Officer Tom Floyd has been honored as one of the nation's best and brightest young bankers. prnewswire.com - 5 months ago
MainStreet Bancshares, Inc. (MNSB) Q1 2024 Earnings Call Transcript MainStreet Bancshares, Inc. (NASDAQ:MNSB ) Q1 2024 Earnings Conference Call April 22, 2024 2:00 PM ET Company Participants Jeff Dick - Chairman and Chief Executive Officer Alex Vari - Chief Accountant Tom Floyd - Chief Lending Officer Tom Chmelik - Chief Financial Officer Ben Baboval - Chief Risk Officer Conference Call Participants Chris Marinac - Janney Montgomery Scott Operator Good morning, our virtual earnings webcast. My name is Jeff Dick and I'm the Chairman and CEO of Main Street Bank Shares, Inc., and Main Street Bank. seekingalpha.com - 6 months ago
MainStreet Bank (MNSB) Q1 Earnings and Revenues Lag Estimates MainStreet Bank (MNSB) came out with quarterly earnings of $0.36 per share, missing the Zacks Consensus Estimate of $0.52 per share. This compares to earnings of $1.01 per share a year ago. zacks.com - 6 months ago
MainStreet Bancshares Inc. Reports a Profitable First Quarter Strong credit quality and no adverse loan portfolio trends FAIRFAX, Va. , April 22, 2024 /PRNewswire/ -- MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the holding company for MainStreet Bank, reported net income of $2.77 million for the first quarter of 2024. prnewswire.com - 6 months ago
MainStreet Bank Appoints Ali Manouchehri to Board of Directors Digital Technology Expert Brings Extensive Federal Contracting Experience to Role at Leading Community Bank FAIRFAX, Va. , Feb. 22, 2024 /PRNewswire/ -- MainStreet Bancshares , Inc. (Nasdaq: MNSB), parent company of MainStreet Bank, announces the appointment of Ali Reza Manouchehri, a digital technology expert with extensive federal contracting experience, as a director of MainStreet Bank. prnewswire.com - 8 months ago
MainStreet Bank Promotes Tom Floyd to Executive Vice President Chief Lending Officer Recognized for Breadth of Leadership Contribution FAIRFAX, Va., Dec. 13, 2023 /PRNewswire/ -- MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the holding company for MainStreet Bank, promoted Tom Floyd to Executive Vice President. prnewswire.com - 11 months ago
8. Profile Summary

MainStreet Bancshares, Inc. MNSB

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 132 M
Dividend Yield 0.69%
Description MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, remote deposit capture, and courier services. It also provides commercial loans, including government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, the company provides deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. As of March 18, 2022, it operated six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as 55,000 automated teller machines. MainStreet Bancshares, Inc. was incorporated in 2003 and is headquartered in Fairfax, Virginia.
Contact 10089 Fairfax Boulevard, Fairfax, VA, 22030 https://www.mstreetbank.com
IPO Date Sept. 6, 2005
Employees 201
Officers Michael B. Baboval Chief Risk Officer Mr. Jeff W. Dick Chief Executive Officer & Chairman of the Board Mr. Thomas J. Chmelik Senior EVice President, Chief Financial Officer, Corporate Secretary & Director Mr. Abdulhamid Hersiburane President & Director of MainStreet Bank Mr. Todd Youngren President Mr. Richard Alexander Vari Senior Vice President & Chief Accounting Officer Mr. Jacob Hutchinson Executive Vice President & Chief Information Officer Ms. Trish Smith Executive Vice President & Chief Human Resources Officer Mr. Tom Floyd Executive Vice President William Freesmeier Senior Vice President