Having spent the last 20+ years analyzing and investing in financial services business, we formed FJ capital to take advantage of this expertise. FJ is an investment management company formed to invest in small/mid cap community banks and thrifts. The start of my career in this field was 1987, during the height of the savings and loan crisis. After spending 9 years as senior analyst following community banks was promoted to director of research for Friedman, Billings, Ramsey. During my 8 years as leader of the research department, we grew the research team from a handful of analyst and verticals to 140 professionals and 8 industry verticals. After leaving FBR in 2007, I turned my focus ba