LifeStore Financial Group Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about LifeStore Financial Group 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 LifeStore Financial Group. 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 LifeStore Financial Group 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 LifeStore Financial Group 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 LifeStore Financial Group business.
About LifeStore Financial Group
AF Financial Group operates as the holding company for AF Bank, which provides banking, insurance and investment services to residents in the northwest corner of North Carolina. The Bank offers a diversified product line by engaging in mortgage, non-residential mortgage and non-mortgage lending.
The Bank has a third party relationship with LaSalle Street Securities. This relationship allows the Bank to offer a range of investment products, including fixed-rate and variable annuities and mutual funds. This third party relationship operates as a division of the Bank under the name AF Investments. The Bank offers traditional property and casualty, life and health insurance products.
The company also owns AF Insurance Services, Inc. (an independent insurance agency) and Ashe Lane Capital Trust (a Delaware business trust).
Market Area and Branch Offices
The Banks market area for deposit gathering and lending is concentrated in Alleghany, Ashe and Watauga Counties, North Carolina and to areas adjacent to those counties. It has branches in Boone, Elkin, Jefferson, Lenoir, Sparta, West Jefferson, and North Wilkesboro, North Carolina. It serves Ashe, Alleghany and Watauga counties in North Carolina.
The Bank conducts business from its main office located in West Jefferson, North Carolina, with branches in Boone, Jefferson, Sparta, Warrensville, and West Jefferson, North Carolina. It operates 7 branches.
Lending Activities
Loan Portfolio: The Banks loan portfolio consists primarily of mortgage loans. It also offers consumer loans, including automobile and home improvement loans. It offers commercial loans to businesses in Ashe, Alleghany and Watauga counties and to areas adjacent to those counties.
One-to-Four-Family Mortgage Lending: The Bank offers both fixed-rate and adjustable-rate mortgage loans, which are secured by one-to-four-family residences, which generally are owner-occupied. Most are secured by property located in Ashe, Alleghany and Watauga counties, North Carolina. The Bank offers three to five year call loans, which are either called or modified based on the Banks interest rates.
Construction Lending: The Bank originates construction loans primarily to finance construction of one-to- four-family homes to the individuals. It makes construction loans to a select group of builders for speculative purposes.
Non-Residential Mortgage Lending: The Bank originates real estate mortgage loans that are generally secured by various properties used for business purposes and retail facilities, such as small office buildings and church loans.
Other Mortgage Lending: The Bank also offers loans secured by land and multi-family residences. Multi-family loans generally consist of residential properties with approximately four units, typically small apartment complexes. It originates multi-family residential loans with both fixed and adjustable interest rates which vary as to maturity. Such loans are typically income-producing investment loans.
Consumer Loans: The Bank makes loans for various personal or consumer purposes. It also offers loans secured by savings accounts.
Commercial Business Loans: The Bank offers commercial business loans that are generally provided to various types of closely held businesses located in the Banks primary market area. The Banks commercial loans generally are secured by equipment, machinery or other corporate assets including receivables.
Investment Activities
The Bank invests in U.S. government obligations, certain securities of various government-sponsored agencies, including municipal bonds, mortgage-backed securities issued/guaranteed by Federal National Mortgage Association (FNMA), Federal Home Loan Mortgage Corporation (FHLMC), and Government National Mortgage Association (GNMA) and, certificates of deposit of insured banks, federal funds, mutual funds, municipal securities and FHLB stock.
Deposits
The Bank offers various deposit accounts with a range of interest rates and terms. Its deposits consist of savings accounts, checking accounts, money market deposit accounts, IRAs and certificates of deposit.
History
AF Financial Group was founded in 1939.
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.
RESEARCH METHODOLOGY
DISCLAIMER
1. LIFESTORE FINANCIAL GROUP 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. LIFESTORE FINANCIAL GROUP 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. LIFESTORE FINANCIAL GROUP SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. LIFESTORE FINANCIAL GROUP 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. LIFESTORE FINANCIAL GROUP COMPETITORS AND INDUSTRY ANALYSIS
5.1. LifeStore Financial Group Direct Competitors
5.2. Comparison of LifeStore Financial Group and Direct Competitors Financial Ratios
5.3. Comparison of LifeStore Financial Group and Direct Competitors Stock Charts
5.4. LifeStore Financial Group Industry Analysis
5.4.1. Industry Snapshot
5.4.2. LifeStore Financial Group Industry Position Analysis
6. LIFESTORE FINANCIAL GROUP NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. LIFESTORE FINANCIAL GROUP EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. LIFESTORE FINANCIAL GROUP 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. LIFESTORE FINANCIAL GROUP IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. LIFESTORE FINANCIAL GROUP PORTER FIVE FORCES ANALYSIS2
12. LIFESTORE FINANCIAL GROUP VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
LifeStore Financial Group 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
LifeStore Financial Group 1-year Stock Charts
LifeStore Financial Group 5-year Stock Charts
LifeStore Financial Group vs. Main Indexes 1-year Stock Chart
LifeStore Financial Group vs. Direct Competitors 1-year Stock Charts
LifeStore Financial Group 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.
LifeStore Financial Group Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
LifeStore Financial Group Key Executives
LifeStore Financial Group Major Shareholders
LifeStore Financial Group History
LifeStore Financial Group Products
Revenues by Segment
Revenues by Region
LifeStore Financial Group Offices and Representations
LifeStore Financial Group 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
LifeStore Financial Group Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
LifeStore Financial Group Capital Market Snapshot
LifeStore Financial Group 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
LifeStore Financial Group 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
LifeStore Financial Group 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
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:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- 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?
