First Republic Bank Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about First Republic Bank 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 Republic Bank. 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 Republic Bank 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 Republic Bank 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 Republic Bank business.
About First Republic Bank
First Republic Bank provides personalized, relationship-based wealth management services, including private banking, private business banking, investment management, trust, brokerage and real estate lending. The Bank operates in California, Nevada and New York City.
The Bank originates real estate secured loans and other loans for retention in its loan portfolio. In addition, the Bank originates mortgage loans for sale to institutional investors or for securitization and sale in the secondary market. The Bank also generates fee income by servicing mortgage loans for these institutional investors and other third parties. The Banks sources of funds are its depository activities and advances from the Federal Home Loan Bank of San Francisco (FHLB). The Banks supplemental sources of funds are loan principal repayments, sales of loans, and periodic issuances of notes, preferred stock and common stock.
The companys deposit services comprise ATM rebate checking, money market checking, money market savings, passbook savings, and certificates of deposit. The Banks loan and deposit gathering activities are conducted in the metropolitan areas of San Francisco, Los Angeles, Santa Barbara, Newport Beach and San Diego in California, in Las Vegas, Nevada, Portland, Oregon, Seattle, Washington, Boston, Massachusetts and New York City, New York. The metropolitan regions of San Francisco, Los Angeles, Santa Barbara and San Diego are among the wealthiest areas in California.
The Bank offers investment advisory services through three subsidiaries that are registered investment advisory firms. Trainer Wortham manages equity and fixed income investments for high net worth, trust and foundation clients and is based in New York City and San Francisco.
Froley Revy specializes in the management of convertible securities for institutional accounts and is based in Los Angeles. Starbuck Tisdale manages equities and fixed-income securities for individuals, trusts, endowments and pension plans and is based in Santa Barbara, California. In addition to the investment management activities of its three subsidiaries, the Banks wealth management segment includes: First Republic Trust Company, a division of the Bank that offers personal trust services; First Republic Wealth Advisors, a subsidiary that offers advisory services to high net worth clients; the Banks mutual fund activities; and the brokerage activities of First Republic Securities Company.
In January 2006, the Bank completed the acquisition of First Signature Bank & Trust of Portsmouth, New Hampshire (First Signature), which expanded the Banks private banking and private business banking activities into New England. In October 2006, the Bank completed the acquisition of BWC Financial Corp. and its wholly owned subsidiary, Bank of Walnut Creek (collectively, BWC), which expanded the Banks business and private banking services and wealth management operations into the San Francisco East and South Bay regions.
Lending Activities
The Banks loan portfolio consists primarily of loans secured by single family residences, multifamily buildings and commercial real estate properties and loans to construct such properties. The Bank has originated a substantial portion of single family loans for sale in the secondary market, whereas historically a small percentage of apartment and commercial real estate loans have been sold.
The Bank focuses on originating loans secured by a limited number of property types. The majority of the real estate loans that the Bank originates are secured by properties located with in 30 miles of one of the Banks offices. Additionally, the Bank offers specific loan programs for first-time homebuyers and borrowers with low-to-moderate incomes. The Banks single family loans are secured by single family detached homes, condominiums, cooperative apartments and two-to-four unit properties. The Bank offers a home equity line of credit program consisting of loans secured by first or second deeds of trust on owner-occupied primary residences.
The Bank has originated a smaller amount of commercial real estate construction loans. The real estate securing
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RESEARCH METHODOLOGY
DISCLAIMER
1. FIRST REPUBLIC BANK 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 REPUBLIC BANK 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 REPUBLIC BANK SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. FIRST REPUBLIC BANK 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 REPUBLIC BANK COMPETITORS AND INDUSTRY ANALYSIS
5.1. First Republic Bank Direct Competitors
5.2. Comparison of First Republic Bank and Direct Competitors Financial Ratios
5.3. Comparison of First Republic Bank and Direct Competitors Stock Charts
5.4. First Republic Bank Industry Analysis
5.4.1. Industry Snapshot
5.4.2. First Republic Bank Industry Position Analysis
6. FIRST REPUBLIC BANK NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. FIRST REPUBLIC BANK EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. FIRST REPUBLIC BANK 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 REPUBLIC BANK IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. FIRST REPUBLIC BANK PORTER FIVE FORCES ANALYSIS2
12. FIRST REPUBLIC BANK VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
First Republic Bank 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 Republic Bank 1-year Stock Charts
First Republic Bank 5-year Stock Charts
First Republic Bank vs. Main Indexes 1-year Stock Chart
First Republic Bank vs. Direct Competitors 1-year Stock Charts
First Republic Bank 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 Republic Bank Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
First Republic Bank Key Executives
First Republic Bank Major Shareholders
First Republic Bank History
First Republic Bank Products
Revenues by Segment
Revenues by Region
First Republic Bank Offices and Representations
First Republic Bank 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 Republic Bank Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
First Republic Bank Capital Market Snapshot
First Republic Bank 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 Republic Bank 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 Republic Bank 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?
