Birmingham Bloomfield Bancshares Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about Birmingham Bloomfield Bancshares 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 Birmingham Bloomfield Bancshares 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 Birmingham Bloomfield Bancshares 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 Birmingham Bloomfield Bancshares 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 Birmingham Bloomfield Bancshares Inc. business.
About Birmingham Bloomfield Bancshares Inc.
Birmingham Bloomfield Bancshares, Inc. operates as the holding company for Bank of Birmingham, which provides community banking products and services to small to medium-sized businesses and professionals in Oakland County, Michigan.
Market Area
As of December 31, 2009, the company operated two offices in Birmingham and Bloomfield Township, Michigan.
Lending Activities
The company offers various lending products, including commercial loans to small-to medium-sized businesses, professionals, and consumer loans to individuals.
Real Estate Loans
The company offers commercial real estate loans; construction and development loans; and residential real estate loans.
Commercial Real Estate: Commercial real estate loan terms would be limited to five years or less. Interest rates might be fixed or adjustable. It would require personal guarantees from the principal owners of the property.
Construction and development loans: The company makes owner-occupied construction loans with a pre-approved take-out loan. Construction and development loans are made with a term of 6 to 12 months and interest is paid quarterly.
Residential Real Estate: The companys residential real estate loans would consist of residential second mortgage loans, residential construction loans, and traditional mortgage lending for one-to-four family residences.
Commercial Loans
The companys target commercial loan market would be small- to medium-sized businesses and the business professional market. It would make equipment loans for a term of five years or less at fixed or variable rates. Loans to support working capital would have terms not exceeding one year and usually be secured by accounts receivable, inventory or personal guarantees of the principals of the business.
Consumer Loans
The company makes various loans to individuals for personal, family, and household purposes, including secured and unsecured installment and term loans, second mortgages, home equity loans, and home equity lines of credit. The consumer loans are secured by depreciable assets, such as boats, cars, and trailers.
Other banking services
Other banking services include cashiers checks, travelers checks, and direct deposit of payroll, as well as social security checks, night depository, remote deposit capture, bank-by-mail, Internet banking, automated teller machine cards, and debit cards. It also offers credit card and merchant card services.
Investment Portfolio
The companys investment portfolio includes the obligations of the United States or obligations guaranteed as to principal and interest by the United States, and other taxable securities.
Deposit services
The companys deposit products include savings accounts, checking accounts, money market accounts, NOW accounts, various certificates of deposit, and individual retirement accounts.
History
Birmingham Bloomfield Bancshares, Inc. was founded in 2004.
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. BIRMINGHAM BLOOMFIELD BANCSHARES 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. BIRMINGHAM BLOOMFIELD BANCSHARES 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. BIRMINGHAM BLOOMFIELD BANCSHARES INC. SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. BIRMINGHAM BLOOMFIELD BANCSHARES 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. BIRMINGHAM BLOOMFIELD BANCSHARES INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Birmingham Bloomfield Bancshares Inc. Direct Competitors
5.2. Comparison of Birmingham Bloomfield Bancshares Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Birmingham Bloomfield Bancshares Inc. and Direct Competitors Stock Charts
5.4. Birmingham Bloomfield Bancshares Inc. Industry Analysis
5.4.1. Industry Snapshot
5.4.2. Birmingham Bloomfield Bancshares Inc. Industry Position Analysis
6. BIRMINGHAM BLOOMFIELD BANCSHARES INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. BIRMINGHAM BLOOMFIELD BANCSHARES INC. EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. BIRMINGHAM BLOOMFIELD BANCSHARES 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. BIRMINGHAM BLOOMFIELD BANCSHARES INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. BIRMINGHAM BLOOMFIELD BANCSHARES INC. PORTER FIVE FORCES ANALYSIS2
12. BIRMINGHAM BLOOMFIELD BANCSHARES INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
Birmingham Bloomfield Bancshares 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
Birmingham Bloomfield Bancshares Inc. 1-year Stock Charts
Birmingham Bloomfield Bancshares Inc. 5-year Stock Charts
Birmingham Bloomfield Bancshares Inc. vs. Main Indexes 1-year Stock Chart
Birmingham Bloomfield Bancshares Inc. vs. Direct Competitors 1-year Stock Charts
Birmingham Bloomfield Bancshares 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.
Birmingham Bloomfield Bancshares Inc. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Birmingham Bloomfield Bancshares Inc. Key Executives
Birmingham Bloomfield Bancshares Inc. Major Shareholders
Birmingham Bloomfield Bancshares Inc. History
Birmingham Bloomfield Bancshares Inc. Products
Revenues by Segment
Revenues by Region
Birmingham Bloomfield Bancshares Inc. Offices and Representations
Birmingham Bloomfield Bancshares 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
Birmingham Bloomfield Bancshares Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Birmingham Bloomfield Bancshares Inc. Capital Market Snapshot
Birmingham Bloomfield Bancshares 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
Birmingham Bloomfield Bancshares 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
Birmingham Bloomfield Bancshares 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?
