First Bank of Delaware Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about First Bank of Delaware 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 First Bank of Delaware. 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 First Bank of Delaware 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 First Bank of Delaware 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 First Bank of Delaware business.
About First Bank of Delaware
First Bank of Delaware offers credit and depository banking services. The companys commercial loan services are primarily offered to individuals and businesses in the Delaware area through two offices in New Castle County, Delaware.
Service Area/Market
The companys primary business banking service area consists of northern Delaware. It offers its national consumer products, including consumer loans and credit and prepaid cards, nationally through the Internet and telephone. As of September 30, 2009, the company operated two banking offices in Wilmington, DE.
Products and Services
The company offers various commercial and consumer banking services to individuals, small and medium-sized businesses, executives, professionals, and professional organizations in its service area.
The company offers services to both small and medium-sized businesses and consumer customers. It offers both commercial and consumer deposit accounts, including checking accounts, interest-bearing demand accounts, money market accounts, certificates of deposit, savings accounts, sweep accounts, lockbox services, remote capture services, and individual retirement accounts (and other traditional banking services). The company solicits both non-interest and interest-bearing deposits from its borrowers.
The company offers a range of loan and credit facilities to the businesses and residents of its service area, including secured and unsecured commercial loans and commercial real estate and construction loans. It also makes loans to finance insurance premiums. The company offers automobile loans, home improvement loans, home equity and overdraft lines of credit, and other products. It also offers installment loans with terms approximately 24 months, and credit and prepaid cards to the underbanked market.
Banking Products and Services
The company offers a range of commercial and other banking services, including secured and unsecured commercial real estate loans, construction and land development and other commercial loans. It offers both commercial and consumer deposit accounts, including checking accounts, interest-bearing demand accounts, money market accounts, certificates of deposit, savings accounts, sweep accounts, lockbox services, and individual retirement accounts (and other traditional banking services).
The company offers services to both its commercial and consumer customers. It has two proprietary automated teller machines at branch locations and a proprietary machine at the Lewes loan production office. The companys lending activities generally are focused on small and medium-sized businesses within the professional community. Majority of its loan portfolio is collateralized with real estate or other collateral, a portion of the commercial portfolio is unsecured. The company makes both fixed and variable rate loans with fixed terms ranging generally from one to five years. Variable rate loans are generally tied to the national prime rate of interest.
Insurance Premium Finance Loans: The company makes loans to finance insurance premiums which are 100% participated immediately upon origination to third party investors.
National Consumer Products
The company offers various products on national basis. These products include subprime loan products, credit cards, and prepaid cards.
Card Products
Prepaid Cards: Through its membership with MasterCard International, the company has become an issuing bank for prepaid cards. It offers prepaid cards primarily to the un-banked and under-banked customer on a national basis. Prepaid cards are cards that store information electronically on a magnetic stripe or computer chip and can be used to purchase goods or services. Prepaid cards are a substitute for cash, gift certificates and check payments. Cards can be either personalized with a customer name, non-personalized, reloadable or non-reloadable based on the type of card. Cards are issued through retail storefronts, corporations or directly to the consumer. The company has contracted with various card processors to provide the front-end software platform functionality, cardholder support and card fulfillment.
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. FIRST BANK OF DELAWARE 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. FIRST BANK OF DELAWARE 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. FIRST BANK OF DELAWARE SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. FIRST BANK OF DELAWARE 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. FIRST BANK OF DELAWARE COMPETITORS AND INDUSTRY ANALYSIS
5.1. First Bank of Delaware Direct Competitors
5.2. Comparison of First Bank of Delaware and Direct Competitors Financial Ratios
5.3. Comparison of First Bank of Delaware and Direct Competitors Stock Charts
5.4. First Bank of Delaware Industry Analysis
5.4.1. Industry Snapshot
5.4.2. First Bank of Delaware Industry Position Analysis
6. FIRST BANK OF DELAWARE NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. FIRST BANK OF DELAWARE EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. FIRST BANK OF DELAWARE 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. FIRST BANK OF DELAWARE IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. FIRST BANK OF DELAWARE PORTER FIVE FORCES ANALYSIS2
12. FIRST BANK OF DELAWARE VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
First Bank of Delaware 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
First Bank of Delaware 1-year Stock Charts
First Bank of Delaware 5-year Stock Charts
First Bank of Delaware vs. Main Indexes 1-year Stock Chart
First Bank of Delaware vs. Direct Competitors 1-year Stock Charts
First Bank of Delaware 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.
First Bank of Delaware Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
First Bank of Delaware Key Executives
First Bank of Delaware Major Shareholders
First Bank of Delaware History
First Bank of Delaware Products
Revenues by Segment
Revenues by Region
First Bank of Delaware Offices and Representations
First Bank of Delaware 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
First Bank of Delaware Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
First Bank of Delaware Capital Market Snapshot
First Bank of Delaware 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
First Bank of Delaware 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
First Bank of Delaware 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?
