Cardinal Financial Corp.

8270 Greensboro Dr.

Year founded: 1997

Industry: Financial services

Post 200 Category: Top Financial Companies

Revenue: n/a

Net Income/Loss: $3.47 Million

Earnings per share: $0.19

Dividend: n/a

Stockholder equity: $95.11 Million

Auditor: KPMG LLP

Stock: CFNL

Assets: $1.21 Billion

Market capitalization: $161.22 Million

52-week high: 11.45 1/5/2005

52-week low: 8.4 8/23/2004

Chairman and CEO: Bernard H. Clineburg

EVP and CFO: Robert A. Cern

Employees: 385

Local employees: 385

Description: Cardinal offers commercial and mortgage banking through 19 bank branches and eight mortgage banking offices, mostly in Northern Virginia but also in the District and Maryland.

Developments: Cardinal is one of the fastest-growing commercial banks based in the region. Since 1999, its assets have grown from $97 million to more than $1.2 billion. Nearly all of the growth has come from aggressively opening and acquiring new branches, in some cases branches sold by larger banking institutions. In 2004, Cardinal opened seven branch banking offices, six of which were previously branches of other financial institutions. In June, the bank announced it was buying George Mason Mortgage from United Bank of Virginia for $17 million in cash. In its most recent securities filing, Cardinal said it expects to open as many as five more branches by the end of this year. The growth is directed by Bernard H. Clineburg, hired as chief executive in 2001. He quickly collapsed the company's internal structure into one bank from four and reduced costs, all the while promoting Cardinal to his network of former customers: Clineburg, 56, has been a commercial banker in the region for 30 years for a number of banks. Late last month, the company said it would sell about $50 million in stock to support its expansion. Because of the stock registration, company officials said they could not comment.