Mission Community Bancorp Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about Mission Community Bancorp 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 Mission Community Bancorp. 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 Mission Community Bancorp 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 Mission Community Bancorp 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 Mission Community Bancorp business.
About Mission Community Bancorp
Mission Community Bancorp operates as the holding company for Mission Community Bank that provides general commercial banking products and services to small and middle-market businesses and individuals in the central coast of California.
The bank offers various deposit and loan products to individuals and small businesses and a specialization in community development financial services and small business administration (SBA) loans.
The banks primary service area includes San Luis Obispo county and northern Santa Barbara county. Secondary market areas include cities and unincorporated areas in the neighboring counties, including Monterey, Kern, Kings, and Fresno. As of December 31, 2009, the bank operated out of four offices in the cities of San Luis Obispo, Paso Robles, Arroyo Grande, and Santa Maria, as well as a loan production office and an administrative facility located in the city of San Luis Obispo.
The banks wholly owned subsidiary, Mission Community Development Corporation, provides financing for small businesses and low- to moderate-income area development and/or affordable housing projects. It also has an affiliate relationship with Mission Community Services Corporation, which focuses on providing technical assistance and training services to the community, including small business, minority, and low-income entrepreneurs.
Products and Services
The bank offers checking and savings accounts, money market accounts, and time certificates of deposits; offers various loans; issues drafts, sells travelers checks, and provides other customary banking services.
Lending Activities
The bank offers various types of loans, including commercial, agribusiness, government guaranteed, real estate, automobile, and other installment and term loans and leases. The areas in which the bank has directed its lending activities are commercial loans (including government-guaranteed and agricultural loans), real estate loans, construction loans, consumer loans, and lease financing. It offers real estate loans, for single family residences or for commercial development, and interim construction loans.
The bank funds commercial loans to provide working capital, to finance the purchase of equipment and for other business purposes. It originates and services SBA loans and is active in specific SBA programs. Its consumer loans are used to finance automobiles, various types of consumer goods, and other personal purposes. The bank offers construction lending to finance the construction of commercial and single family residential property. Residential real estate loans offered by the bank are limited to home equity loans and home equity lines of credit. Other real estate loans consist primarily of commercial and industrial real estate loans.
Investment Portfolio
As of December 31, 2009, the banks investment portfolio included the U.S. government agencies securities, mortgage-backed securities, municipal securities, corporate debt securities, and asset-backed securities.
History
Mission Community Bancorp was founded in 1997.
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. MISSION COMMUNITY BANCORP 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. MISSION COMMUNITY BANCORP 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. MISSION COMMUNITY BANCORP SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. MISSION COMMUNITY BANCORP 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. MISSION COMMUNITY BANCORP COMPETITORS AND INDUSTRY ANALYSIS
5.1. Mission Community Bancorp Direct Competitors
5.2. Comparison of Mission Community Bancorp and Direct Competitors Financial Ratios
5.3. Comparison of Mission Community Bancorp and Direct Competitors Stock Charts
5.4. Mission Community Bancorp Industry Analysis
5.4.1. Industry Snapshot
5.4.2. Mission Community Bancorp Industry Position Analysis
6. MISSION COMMUNITY BANCORP NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. MISSION COMMUNITY BANCORP EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. MISSION COMMUNITY BANCORP 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. MISSION COMMUNITY BANCORP IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. MISSION COMMUNITY BANCORP PORTER FIVE FORCES ANALYSIS2
12. MISSION COMMUNITY BANCORP VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
Mission Community Bancorp 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
Mission Community Bancorp 1-year Stock Charts
Mission Community Bancorp 5-year Stock Charts
Mission Community Bancorp vs. Main Indexes 1-year Stock Chart
Mission Community Bancorp vs. Direct Competitors 1-year Stock Charts
Mission Community Bancorp 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.
Mission Community Bancorp Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Mission Community Bancorp Key Executives
Mission Community Bancorp Major Shareholders
Mission Community Bancorp History
Mission Community Bancorp Products
Revenues by Segment
Revenues by Region
Mission Community Bancorp Offices and Representations
Mission Community Bancorp 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
Mission Community Bancorp Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Mission Community Bancorp Capital Market Snapshot
Mission Community Bancorp 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
Mission Community Bancorp 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
Mission Community Bancorp 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?
