Grand River Commerce, Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about Grand River Commerce, 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 Grand River Commerce, 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 Grand River Commerce, 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 Grand River Commerce, 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 Grand River Commerce, Inc. business.
About Grand River Commerce, Inc.
Grand River Commerce, Inc. operates as the holding company for Grand River Bank, which provides commercial and consumer banking services to small and medium-sized businesses, professionals, and service companies and consumers principally in Kent and Ottawa Counties.
Service Area
The companys primary service area consists of the Grand Rapids area, located in Kent County near the eastern shore of Lake Michigan.
Lending Activities
The company emphasizes a range of lending services, including real estate, commercial, equity-line, and consumer loans to individuals, small- to medium-sized businesses, and professional concerns that are located in or conduct a portion of their business in its market area.
Commercial Loans: The company makes various types of loans available to business organizations and individuals on a secured and unsecured basis, including commercial, term, working capital, asset based, SBA loans, commercial real estate, lines of credit, and mortgages. Construction loans are also available for eligible individuals and contractors. It considers small businesses to include commercial and professional, including health care, and retail firms. Commercial lending would include loans to entrepreneurs, professionals, and small- to medium-sized firms.
Real Estate Loans: The company intends that loans secured by first or second mortgages on real estate would make up its loan portfolio. These loans fall into one of two categories: commercial real estate loans and construction development loans. It intends to focus its real estate-related activity in four areas: owner-occupied commercial real estate loans; home improvement loans; conforming and non-conforming residential mortgages; and commercial real estate development loans. Real estate-related products include acquisition and development (A&D) loans for residential and multi-family construction loans; construction and permanent lending for investor-owned property; and construction and permanent lending for commercial (owner occupied) property.
Consumer Loans: The company offers consumer loans to customers in its primary service area. Consumer lending products include home improvement loans; installment loans (secured and unsecured); and consumer real estate lending.
Other Services
The company offers cashiers checks, banking by mail, remote deposit, online banking, ATM/Debit cards, and United States Savings Bonds. It is associated with national ATM networks that might be used by its customers throughout the country. It also offers credit card services through a third party.
Investment Portfolio
As of December 31, 2009, the companys investment portfolio included U.S. government agencies and mortgage- backed securities issued by U.S. government agencies and corporations.
Deposits
The companys offers a range of deposit services, including checking accounts, NOW accounts, health savings accounts, commercial accounts, savings accounts, and time deposits accounts. In addition, it offers certain retirement account services, including IRAs.
History
Grand River Commerce, Inc. was incorporated in 2006.
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. GRAND RIVER COMMERCE, 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. GRAND RIVER COMMERCE, 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. GRAND RIVER COMMERCE, INC. SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. GRAND RIVER COMMERCE, 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. GRAND RIVER COMMERCE, INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Grand River Commerce, Inc. Direct Competitors
5.2. Comparison of Grand River Commerce, Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Grand River Commerce, Inc. and Direct Competitors Stock Charts
5.4. Grand River Commerce, Inc. Industry Analysis
5.4.1. Industry Snapshot
5.4.2. Grand River Commerce, Inc. Industry Position Analysis
6. GRAND RIVER COMMERCE, INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. GRAND RIVER COMMERCE, INC. EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. GRAND RIVER COMMERCE, 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. GRAND RIVER COMMERCE, INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. GRAND RIVER COMMERCE, INC. PORTER FIVE FORCES ANALYSIS2
12. GRAND RIVER COMMERCE, INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
Grand River Commerce, 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
Grand River Commerce, Inc. 1-year Stock Charts
Grand River Commerce, Inc. 5-year Stock Charts
Grand River Commerce, Inc. vs. Main Indexes 1-year Stock Chart
Grand River Commerce, Inc. vs. Direct Competitors 1-year Stock Charts
Grand River Commerce, 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.
Grand River Commerce, Inc. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Grand River Commerce, Inc. Key Executives
Grand River Commerce, Inc. Major Shareholders
Grand River Commerce, Inc. History
Grand River Commerce, Inc. Products
Revenues by Segment
Revenues by Region
Grand River Commerce, Inc. Offices and Representations
Grand River Commerce, 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
Grand River Commerce, Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Grand River Commerce, Inc. Capital Market Snapshot
Grand River Commerce, 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
Grand River Commerce, 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
Grand River Commerce, 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?
