BancTrust Financial Group, Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about BancTrust Financial Group, 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 BancTrust Financial Group, 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 BancTrust Financial Group, 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 BancTrust Financial Group, 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 BancTrust Financial Group, Inc. business.
About BancTrust Financial Group, Inc.
BancTrust Financial Group, Inc. operates as the holding company for BankTrust, which provides an array of traditional financial services. The company operates through 50 bank offices, including 41 bank offices in the southern two-thirds of Alabama and 9 bank offices in northwest Florida.
Services
The company offers a range of lending services to individuals, small businesses and other organizations that are located in or conduct a substantial portion of their business in its markets. It also offers an array of retail and commercial deposit products and fee-based services to support its customers financial needs. For its commercial customers, it also offers cash management services, such as lock-box, sweep accounts, and remote deposit. Other traditional services offered include drive-in banking and night deposit facilities, 24-hour automated teller machines, internet banking, debit and credit card services, and telephone banking.
Ancillary Products and Services
The company, in addition to its traditional banking services, also offers its customers an array of trust services throughout Alabama and Florida through its trust department. It offers its customers certain investment and insurance products.
Lending Activities
The company originates loans primarily in the categories of commercial, commercial real estate, individual and commercial construction, and consumer. It also makes available to its customers fixed-rate, longer-term real estate mortgage loans in the residential real estate mortgage area. Loans in its portfolio would generally fall into one of four categories: commercial, financial and agricultural loans; real estate construction loans; real estate mortgage loans; and installment and consumer loans. The major component of its loan portfolio is loans secured by real estate mortgages.
Deposits
The company offers a range of deposit products designed to serve both individual and corporate customers, including checking accounts, commercial accounts, savings accounts, and other time deposits of various types ranging from daily money market accounts to long-term certificates of deposit.
Other Banking Services
The company offers a range of other products and services that give its customers convenience and account access. Such products and services include Internet and telephone banking, access to funds through ATMs and debit cards, credit cards, safe deposit boxes, travelers checks, and direct deposits.
Investment Portfolio
The company invests primarily in securities issued by the U.S. government sponsored enterprises, state and political subdivisions, and mortgage-backed securities. The company invests any surplus cash in the overnight federal funds market.
Competition
The companys competitors include Regions, BB&T, RBC Bank (which includes Alabama National Bancorporation), Compass/BBVA, and Wachovia (which is a part of Wells Fargo).
History
BancTrust Financial Group, Inc. was founded in 1985.
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. BANCTRUST FINANCIAL GROUP, 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. BANCTRUST FINANCIAL GROUP, 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. BANCTRUST FINANCIAL GROUP, INC. SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. BANCTRUST FINANCIAL GROUP, 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. BANCTRUST FINANCIAL GROUP, INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. BancTrust Financial Group, Inc. Direct Competitors
5.2. Comparison of BancTrust Financial Group, Inc. and Direct Competitors Financial Ratios
5.3. Comparison of BancTrust Financial Group, Inc. and Direct Competitors Stock Charts
5.4. BancTrust Financial Group, Inc. Industry Analysis
5.4.1. Industry Snapshot
5.4.2. BancTrust Financial Group, Inc. Industry Position Analysis
6. BANCTRUST FINANCIAL GROUP, INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. BANCTRUST FINANCIAL GROUP, INC. EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. BANCTRUST FINANCIAL GROUP, 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. BANCTRUST FINANCIAL GROUP, INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. BANCTRUST FINANCIAL GROUP, INC. PORTER FIVE FORCES ANALYSIS2
12. BANCTRUST FINANCIAL GROUP, INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
BancTrust Financial Group, 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
BancTrust Financial Group, Inc. 1-year Stock Charts
BancTrust Financial Group, Inc. 5-year Stock Charts
BancTrust Financial Group, Inc. vs. Main Indexes 1-year Stock Chart
BancTrust Financial Group, Inc. vs. Direct Competitors 1-year Stock Charts
BancTrust Financial Group, 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.
BancTrust Financial Group, Inc. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
BancTrust Financial Group, Inc. Key Executives
BancTrust Financial Group, Inc. Major Shareholders
BancTrust Financial Group, Inc. History
BancTrust Financial Group, Inc. Products
Revenues by Segment
Revenues by Region
BancTrust Financial Group, Inc. Offices and Representations
BancTrust Financial Group, 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
BancTrust Financial Group, Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
BancTrust Financial Group, Inc. Capital Market Snapshot
BancTrust Financial Group, 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
BancTrust Financial Group, 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
BancTrust Financial Group, 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
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?
