Hudson Valley Holding Corp. Due Diligence Report Including Financial, SWOT, Competitors and Industry Analysis

Date: November 15, 2018
Pages: 50
US$ 499.00
Hudson Valley Holding Corp. 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: H6838A31D62BEN

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

  • The report contains detailed information about Hudson Valley Holding Corp. 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 Hudson Valley Holding Corp.. 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 Hudson Valley Holding Corp. 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 Hudson Valley Holding Corp. 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 Hudson Valley Holding Corp. business.

About Hudson Valley Holding Corp.

Hudson Valley Holding Corp. operates as the holding company for Hudson Valley Bank, N.A., which provides banking and related services to businesses, professionals, municipalities, not-for-profit organizations, and individuals.

As of December 31, 2009, the company had 36 branches, including 18 branch offices in Westchester County, New York; 5 in Manhattan, New York; 4 in Bronx County, New York; 1 in Rockland County, New York; 1 in Queens County, New York; 1 in Kings County, New York; 5 in Fairfield County, Connecticut; and 1 in New Haven County Connecticut.


The company engages in various lending activities which are primarily categorized as real estate, commercial and industrial, individual and lease financing.

Real Estate Loans: Real estate loans primarily comprise primarily loans collateralized by interim and permanent commercial mortgages, construction mortgages and residential mortgages, including home equity loans. The company originates these loans primarily for its portfolio. Commercial real estate loans are offered by it on a fixed or variable rate basis with 10 year terms. It also originates 15 year fixed rate self-amortizing commercial mortgages. Construction loans are short-term loans (up to 18 months) secured by land for both residential and commercial development. The loans are made for acquisition and improvements. The company funds construction of single family homes and commercial real estate. Residential real estate loans are offered by the company with terms of approximately 30 years. The company offers various home equity line of credit products. These products include credit lines on primary residences, vacation homes, and 1-4 unit residential investment properties.

Commercial and Industrial Loans: The company’s commercial and industrial loan portfolio consists primarily of commercial business loans and lines of credit to businesses and professionals. These loans are made to finance the purchase of inventory, new or used equipment, or other short or long-term working capital purposes. These loans are secured by corporate assets, often with real estate as secondary collateral, but are also offered on an unsecured basis.

Loans to Individuals and Leasing: The company offers installment loans and reserve lines of credit to individuals. These loans have terms of approximately 5 years with fixed or variable rates of interest. It also originates lease financing transactions. These transactions provide financing primarily for office equipment, telephone systems, computer systems, energy saving improvements, and other special use equipment. The terms vary depending on the equipment being leased, and are generally 3 to 5 years.

The company’s primary lending emphasis is for loans to businesses and developers, primarily in the form of commercial and multi-family residential real estate mortgages, construction loans, and commercial and industrial loans, including lines of credit.

Investment Portfolio

As of December 31, 2009, the company’s investment portfolio included U.S. treasury and government agencies; mortgage-backed securities; obligations of states and political subdivisions; other debt securities; and mutual funds, and other equity securities.


The company offers a range of deposit products, including non interest bearing demand deposits, checking with interest, money market, savings, and various forms of time deposits.

Portfolio Management Services

The company provides investment management services through, A.R. Schmeidler & Co., Inc. (ARS), a money management firm. ARS has offices in Manhattan, New York.

Other Services

The company also provides a software application to customers designed to meet the specific administrative needs of bankruptcy trustees through a marketing and licensing agreement with the application vendor.


Hudson Valley Holding Corp. was founded in 1972.

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. Hudson Valley Holding Corp. Direct Competitors
5.2. Comparison of Hudson Valley Holding Corp. and Direct Competitors Financial Ratios
5.3. Comparison of Hudson Valley Holding Corp. and Direct Competitors Stock Charts
5.4. Hudson Valley Holding Corp. Industry Analysis
  5.4.1. Banks and Thrifts Industry Snapshot
  5.4.2. Hudson Valley Holding Corp. 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





Hudson Valley Holding Corp. Key Facts
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Hudson Valley Holding Corp. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Hudson Valley Holding Corp. Major Shareholders
Hudson Valley Holding Corp. History
Hudson Valley Holding Corp. Products
Revenues by Segment
Revenues by Region
Hudson Valley Holding Corp. Offices and Representations
Hudson Valley Holding Corp. 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
Hudson Valley Holding Corp. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Hudson Valley Holding Corp. Capital Market Snapshot
Hudson Valley Holding Corp. 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
Hudson Valley Holding Corp. 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
Hudson Valley Holding Corp. 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


Hudson Valley Holding Corp. 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
Hudson Valley Holding Corp. 1-year Stock Charts
Hudson Valley Holding Corp. 5-year Stock Charts
Hudson Valley Holding Corp. vs. Main Indexes 1-year Stock Chart
Hudson Valley Holding Corp. vs. Direct Competitors 1-year Stock Charts
Hudson Valley Holding Corp. 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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