Home Federal Bancorp Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis

April 2024 | 50 pages | ID: H2410596BEDBEN
BAC Reports

Abstracts

Home Federal Bancorp Inc. Fundamental Company 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 Home Federal Bancorp Inc. and its competitors. This provides our Clients with a clear understanding of Home Federal Bancorp Inc. position in the Industry.

• The report contains detailed information about Home Federal Bancorp 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 Home Federal Bancorp 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 Home Federal Bancorp 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 Home Federal Bancorp 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 Home Federal Bancorp Inc. business.

About Home Federal Bancorp Inc.

Home Federal Bancorp, Inc. operates as the holding company for Home Federal Bank, which provides financial products and services to consumers and businesses.

Market Area

The company has operations in three distinct market areas. Its primary market area is the Boise, Idaho, metropolitan statistical area, and surrounding communities, together known as the Treasure Valley region of southwestern Idaho, including Ada, Canyon, Elmore, and Gem counties. In addition, it also serves in the Tri-County Region of central Oregon, including the counties of Crook, Deschutes, and Jefferson. It operates through 37 full-service banking offices, automated teller machines, and Internet banking services.

Loan Portfolio

The company’s principal lending activity consists of the origination of loans secured by first mortgages on owner-occupied, one-to-four family residences and loans for the construction of one-to-four family residences. It also originates consumer loans, with an emphasis on home equity loans, and lines of credit.

One- to Four-Family Residential Real Estate Lending: The company originates both fixed rate loans and adjustable rate loans in its residential lending program.

Real Estate Construction: The company originates construction and site development loans to contractors and builders primarily to finance the construction of single-family homes and subdivisions. Loans to finance the construction of single-family homes and subdivisions are offered to experienced builders in its primary market areas. It originates land loans to local contractors and developers for the purpose of holding the land for future development. These loans are secured by a first lien on the property.

Commercial and Multi-Family Real Estate Lending: The company targets individual multi-family and commercial real estate loans to small and mid-size owner occupants and investors. Commercial real estate loans are primarily secured by office and warehouse space, professional buildings, retail sites, multifamily residential buildings, industrial facilities, and restaurants located in its primary market areas. It has offered both fixed and adjustable-rate loans on multi-family and commercial real estate loans.

Consumer Lending: The company offers various consumer loans to its customers, including home equity loans and lines of credit, savings account loans, automobile loans, recreational vehicle loans, and personal unsecured loans. Home equity loans are made for the improvement of residential properties, debt consolidation, and education expenses.

Commercial Business Lending: The company originates commercial business loans, such as lines of credit, term loans, and letters of credit. These loans are secured by collateral and are used for general business purposes, including working capital financing, equipment financing, capital investment, and general investment. It has offered both fixed and adjustable-rate loans on multi-family and commercial real estate loans.

Investment Portfolio

As of September 30, 2010, the company’s investment portfolio included obligations of the U.S. government sponsored enterprises; obligations of states and political subdivisions; corporate note, FDIC guaranteed; and mortgage-backed securities, such as Fannie Mae, Freddie Mac, Ginnie Mae, Federal Home Loan Bank, and Private label.

Deposits

The company offers various deposit products include checking accounts, money market deposit accounts, savings accounts, and certificates of deposit.

Competition

The company’s key competitors include U.S. Bank, Wells Fargo, Key Bank, and Umpqua Bank.

History

Home Federal Bancorp, Inc. was founded in 1920.

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.

Contents

RESEARCH METHODOLOGY

DISCLAIMER

1. HOME FEDERAL BANCORP 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. HOME FEDERAL BANCORP 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. HOME FEDERAL BANCORP INC. SWOT ANALYSIS

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

4. HOME FEDERAL BANCORP 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. HOME FEDERAL BANCORP INC. COMPETITORS AND INDUSTRY ANALYSIS

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

6. HOME FEDERAL BANCORP INC. NEWS & EVENTS

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

7. HOME FEDERAL BANCORP INC. EXPERTS REVIEW¹

7.1. Experts Consensus
7.2. Experts Revisions

8. HOME FEDERAL BANCORP 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. HOME FEDERAL BANCORP INC. IFE, EFE, IE MATRICES²

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

11. HOME FEDERAL BANCORP INC. PORTER FIVE FORCES ANALYSIS²

12. HOME FEDERAL BANCORP INC. VRIO ANALYSIS²

APPENDIX: RATIO DEFINITIONS

LIST OF FIGURES

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

List Of Tables

LIST OF TABLES

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

ANALYSIS FEATURES

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?