IPO Company Profile
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Cardinal Financial Corporation
10641 Lee Highway, Fairfax, VA 22030 * (703) 934-9200

The company is a bank holding company which currently operates Cardinal Bank, N.A. in Fairfax VA and intends to organize and establish three community banks in the Manassas/Prince County, Reston/Loudoun County and Alexandria/Arlington County areas.

Primary Underwriting Group
ManagerTierPhone
Scott & Stringfellow, Inc.Lead Manager (804) 780-3267
Ferris, Baker, Watts Inc.Co-manager (202) 429-3608
Interstate/Johnson Lane CorpCo-manager (404) 840-5030

Offering Information
NASNTL:CFNL Financial: SIC 6021
Type of Shares:Common Shares Filing Date:5/8/98
U.S. Shares:2,600,000 Offer Date:7/17/98
Non-U.S. Shares:0 Filing Range:$9.00 - $11.00
Primary Shares:2,600,000 Offer Price:$10.00
Secondary Shares:0 Gross Spread:$0.70
Offering Amount: $26,000,000 Selling:$0.42
Expenses: - Reallowance:$0.10
Post-IPO Shares:4,009,509
Employees:8

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Williams Mullen Christian & Dobbins
Bank's Law Firm: LeClair, Ryan, Joynes, Epps & Framme
Auditor: KPMG Peat Marwick

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
3 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Audited
Income
Balance
Sheet
3/31/98 3/31/98
Revenue:$0.10Assets:$10.16
Net Income:-$0.19Curr Assets:
EPS:-$0.14Liabilities:$0.04
Prior EPS:Curr Liab:
Cash Flow/Oper:$4.10Equity:$10.12
Cash Flow/Fin:$1.57Cash:$9.68
Cash Flow/Inv:-$0.28

Use of Proceeds
The proceeds from the proposed offering will be used to capitalize and fund costs incurred with the formation and capitalization of the additional banks.

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