Hampden Bancorp, Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis

April 2024 | 50 pages | ID: H4CDC9E9A33BEN
BAC Reports

Abstracts

Hampden Bancorp, Inc. Fundamental Company Report provides a complete overview of the company’s affairs. All available data is presented in a comprehensive and easily accessed format. The report includes financial and SWOT information, industry analysis, opinions, estimates, plus annual and quarterly forecasts made by stock market experts. The report also enables direct comparison to be made between Hampden Bancorp, Inc. and its competitors. This provides our Clients with a clear understanding of Hampden Bancorp, Inc. position in the Industry.

• The report contains detailed information about Hampden Bancorp, Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
• Another part of the report is a SWOT-analysis carried out for Hampden Bancorp, Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
• The Hampden Bancorp, Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
• In the part that describes Hampden Bancorp, Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
• Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Hampden Bancorp, Inc. business.

About Hampden Bancorp, Inc.

Hampden Bancorp, Inc. operates as the holding company for Hampden Bank, which provides various banking and financial services to individuals and small businesses in and around Hampden County.

Market Area

The company conducts its business through its main office located in Springfield, Massachusetts and eight other offices located in Hampden County, Massachusetts. Its company’s primary deposit-gathering area is concentrated in the Massachusetts cities and towns of Springfield, West Springfield, Longmeadow, Agawam, and Wilbraham. It offers remote deposit capture to its customers. Its lending area primarily includes Hampden, Hampshire, Franklin, and Berkshire counties of Massachusetts, as well as portions of northern Connecticut.

The company’s business consists primarily of making loans to its customers and investing in various investment and mortgage-backed securities. It also provides access to insurance and investment products through its Financial Services Division, Hampden Financial. It has an operating subsidiary, Hampden Investment Corporation, which is an investment company that engages in buying, selling, and holding securities.

Lending Activities

In its lending activities, the company originates commercial real estate loans, residential real estate loans, residential and commercial construction loans, commercial and industrial loans, home equity lines-of-credit, fixed rate home equity loans, and other personal consumer loans.

Commercial Real Estate Loans: The company offers commercial real estate loans, which are secured by commercial properties, such as, industrial properties, small office buildings, retail facilities, warehouses multi-family income properties, and owner-occupied properties used for business.

Residential Real Estate Loans: The company offers fixed-rate and adjustable-rate residential mortgage loans, which are secured by one-to-four-family residences.

Home Equity Loans: The company offers home equity lines-of-credit and home equity term loans. Home equity lines-of-credit and loans are secured by first or second mortgages on one-to-four family owner occupied properties.

Commercial Loans: The company originates secured and unsecured commercial loans to business customers in its market area for the purpose of financing equipment purchases, working capital, expansion, and other general business purposes. It offers both term and revolving commercial loans. Its commercial loans are collateralized by equipment, accounts receivable and inventory, and are supported by personal guarantees.

Construction Loans: The company offers residential and commercial construction loans.

Consumer and Other Loans: The company offers various consumer and other loans, including manufactured homes, auto loans, and loans secured by passbook savings or certificate accounts.

Investment Activities

As of June 30, 2010, the company’s investment portfolio included government-sponsored enterprises, residential mortgage-backed securities, marketable equity securities, and restricted equity securities.

Deposits

The company’s primary deposit products include checking, regular savings, money market deposits and time deposits, including certificate of deposit accounts, and individual retirement accounts.

History

Hampden Bancorp, Inc. was founded in 1852.

The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.

Contents

RESEARCH METHODOLOGY

DISCLAIMER

1. HAMPDEN BANCORP, INC. COMPANY PROFILE

1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History

2. HAMPDEN BANCORP, INC. BUSINESS OVERVIEW

2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units

3. HAMPDEN BANCORP, INC. SWOT ANALYSIS

3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats

4. HAMPDEN BANCORP, INC. FINANCIAL ANALYSIS

4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot

5. HAMPDEN BANCORP, INC. COMPETITORS AND INDUSTRY ANALYSIS

5.1. Hampden Bancorp, Inc. Direct Competitors
5.2. Comparison of Hampden Bancorp, Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Hampden Bancorp, Inc. and Direct Competitors Stock Charts
5.4. Hampden Bancorp, Inc. Industry Analysis
5.4.1. Industry Snapshot
  5.4.2. Hampden Bancorp, Inc. Industry Position Analysis

6. HAMPDEN BANCORP, INC. NEWS & EVENTS

6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events

7. HAMPDEN BANCORP, INC. EXPERTS REVIEW¹

7.1. Experts Consensus
7.2. Experts Revisions

8. HAMPDEN BANCORP, INC. ENHANCED SWOT ANALYSIS²

9. UNITED STATES PESTEL ANALYSIS²

9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors

10. HAMPDEN BANCORP, INC. IFE, EFE, IE MATRICES²

10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix

11. HAMPDEN BANCORP, INC. PORTER FIVE FORCES ANALYSIS²

12. HAMPDEN BANCORP, INC. VRIO ANALYSIS²

APPENDIX: RATIO DEFINITIONS

LIST OF FIGURES

Hampden Bancorp, Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Hampden Bancorp, Inc. 1-year Stock Charts
Hampden Bancorp, Inc. 5-year Stock Charts
Hampden Bancorp, Inc. vs. Main Indexes 1-year Stock Chart
Hampden Bancorp, Inc. vs. Direct Competitors 1-year Stock Charts
Hampden Bancorp, Inc. Article Density Chart

1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.

List Of Tables

LIST OF TABLES

Hampden Bancorp, Inc. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Hampden Bancorp, Inc. Key Executives
Hampden Bancorp, Inc. Major Shareholders
Hampden Bancorp, Inc. History
Hampden Bancorp, Inc. Products
Revenues by Segment
Revenues by Region
Hampden Bancorp, Inc. Offices and Representations
Hampden Bancorp, Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Hampden Bancorp, Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Hampden Bancorp, Inc. Capital Market Snapshot
Hampden Bancorp, Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Industry Statistics
Hampden Bancorp, Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Hampden Bancorp, Inc. Consensus Recommendations¹
Analyst Recommendation Summary¹
Price Target Summary¹
Experts Recommendation Trends¹
Revenue Estimates Analysis¹
Earnings Estimates Analysis¹
Historical Surprises¹
Revenue Estimates Trend¹
Earnings Estimates Trend¹
Revenue Revisions¹

ANALYSIS FEATURES

SWOT Analysis

SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.

Enhanced SWOT Analysis

Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:

• How to use the strengths to take advantage of the opportunities?
• How to use the strengths to reduce likelihood and impact of the threats?
• How to overcome the weaknesses that obstruct taking advantage of the opportunities?
• How to overcome the weaknesses that can make the threats a reality?

Upon answering these questions a company can develop a project plan to improve its business performance.

PESTEL Analysis

PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.

Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.

Key Factors Examined by PESTEL Analysis:

• Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
• Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
• Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
• Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
• Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
• Legal – What laws and legislation will exert influence on the style the business is carried out?

IFE, EFE, IE Matrices

The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.

The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.

The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.

Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.

Porter Five Forces Analysis

The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:

1. What composes a threat of substitute products and services?
2. Is there a threat of new competitors entering the market?
3. What is the intensity of competitive rivalry?
4. How big is the bargaining power of buyers?
5. How significant is the bargaining power of suppliers?

VRIO Analysis

VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:

• Tangible resources
  • Financial
  • Physical
  • Technological
  • Organizational
• Intangible resources
  • Human
  • Innovation and Creativity
  • Reputation
• Organizational capabilities

The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:

• Valuable?
• Rare?
• Costly to imitate?
• Organized properly?