Fidelity Federal Bancorp Due Diligence Report Including Financial, SWOT, Competitors and Industry Analysis

Date: May 15, 2018
Pages: 50
US$ 499.00
Fidelity Federal Bancorp Due Diligence Report Including Financial, SWOT, Competitors and Industry Analysis
Publisher: BAC Reports
Report type: Strategic Report
Delivery: E-mail Delivery - PDF (on default),
Hard Copy Mail Delivery (+US$ 190.00)
ID: F44867DB399BEN

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Fidelity Federal Bancorp Due Diligence Report Including Financial, SWOT, Competitors and Industry Analysis
Fidelity Federal Bancorp Due Diligence 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 Fidelity Federal Bancorp and its competitors. This provides our Clients with a clear understanding of Fidelity Federal Bancorp position in the Banks and Thrifts Industry.

  • The report contains detailed information about Fidelity Federal 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 Fidelity Federal 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 Fidelity Federal 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 Fidelity Federal 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 Fidelity Federal Bancorp business.

About Fidelity Federal Bancorp

Fidelity Federal Bancorp operates as a savings and loan holding company. Through its savings bank subsidiary, United Fidelity Bank (the Bank), the Company engages in the business of obtaining funds in the form of savings, deposits, and other borrowings; and investing such funds in consumer, commercial, and mortgage loans, and in investment securities.

Market Area

The Bank's primary retail market area consists of the Indiana counties of Vanderburgh, Posey, Gibson and Warrick.

The Bank conducts business from its four full-service branch offices. Three of the Bank’s branch offices are located in Evansville. The fourth branch office is located in Warrick County.

The Bank

The Bank is a federally-chartered stock savings bank located in Evansville, Indiana. The Bank is primarily engaged in the business of obtaining savings deposits from the general public, Federal Home Loan Bank advances and other wholesale funding savings, and investing such funds in loans served by one-to-four family residential real estate located primarily in Vanderburgh and the surrounding counties in southern Indiana. The Bank originates consumer loans on a direct basis in its offices. In addition, the Bank originates commercial loans secured by real estate in addition to nonresidential real estate, other types of consumer loans, commercial and home equity. The Bank also invests in interest-bearing deposits in other banks, mortgage-backed securities and other investments permitted.


The Bank's subsidiaries include Village Capital Corporation, and United Fidelity Finance.

Lending Activities

The Bank 's lending activities include the origination of permanent loans and construction loans secured by one-to-four family homes located in Bank's primary market area, commercial real estate loans secured primarily by one-to-four family homes, direct automobile loans and other types of consumer loans, which include loans secured by deposit accounts, home equity lines of credit and unsecured loans. The Bank also originates commercial loans other than those secured by real estate.

Loan Portfolio

As of December 31, 2004, the Bank's loan portfolio include Real estate mortgage loans; First mortgage loans, including Conventional loans, Construction loans, Commercial loans, Multi-family loans, and Home equity loans; Commercial loans, other than secured by real estate; and Consumer loans.

Residential Mortgage Loans: The Bank's lending activity involves the origination of loans secured by residential real estate consisting of single-family dwelling units. The residential mortgage loans included in the Bank's portfolio are primarily conventional fixed-rate loans with a maturity of approximately 30 years. The Bank also offers adjustable-rate mortgage loans.

Construction Loans: The Bank offers residential construction loans both to owner-occupants and to persons building residential property.

Commercial Real Estate Loans: The Bank also originates commercial real estate loans.

Multifamily Loans

The Bank offers various Multifamily Loans.

Home Equity Loans: Home equity lines of credit are originated for terms of approximately 30 years. These loans are secured by a first or second mortgage on the borrower's principal residence.

Commercial Loans: Commercial loans are secured by non-real estate assets, such as rolling stock, equipment, inventory and accounts receivable.

Consumer Loans: The Bank offers and makes various types of consumer loans, including automobile loans, loans made to depositors on the security of their deposit accounts, and other secured and unsecured personal loans. Automobile loans are originated by the Bank directly and indirectly in conjunction with automobile dealers in Indiana, Illinois, Kentucky and Missouri.

Investment Portfolio

As of December 31, 2004, the Bank's investment portfolio consists of Federal Home Loan Mortgage Corporation mortgage-backed securities, Federal National Mortgage Association mortgage-backed securities, and Government National Mortgage Association mortgage-backed securities.


The Bank offers various deposits, such as Demand deposits, NOW accounts, Money market accounts, Savings accounts, Certificates of deposits and Brokered deposits.


Fidelity Federal Bancorp was founded in 1914.

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.




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


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


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


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


5.1. Fidelity Federal Bancorp Direct Competitors
5.2. Comparison of Fidelity Federal Bancorp and Direct Competitors Financial Ratios
5.3. Comparison of Fidelity Federal Bancorp and Direct Competitors Stock Charts
5.4. Fidelity Federal Bancorp Industry Analysis
  5.4.1. Banks and Thrifts Industry Snapshot
  5.4.2. Fidelity Federal Bancorp Industry Position Analysis


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


7.1. Experts Opinion
7.2. Experts Estimates



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


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





Fidelity Federal Bancorp Key Facts
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Fidelity Federal Bancorp Key Executives
Key Executives Biographies1
Key Executives Compensations1
Fidelity Federal Bancorp Major Shareholders
Fidelity Federal Bancorp History
Fidelity Federal Bancorp Products
Revenues by Segment
Revenues by Region
Fidelity Federal Bancorp Offices and Representations
Fidelity Federal 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
Fidelity Federal Bancorp Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Fidelity Federal Bancorp Capital Market Snapshot
Fidelity Federal 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
Banks and Thrifts Industry Statistics
Fidelity Federal 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
Fidelity Federal 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


Fidelity Federal 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
Fidelity Federal Bancorp 1-year Stock Charts
Fidelity Federal Bancorp 5-year Stock Charts
Fidelity Federal Bancorp vs. Main Indexes 1-year Stock Chart
Fidelity Federal Bancorp vs. Direct Competitors 1-year Stock Charts
Fidelity Federal 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.

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?
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