- The report contains detailed information about Peoples Bank of Commerce 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 Peoples Bank of Commerce. 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 Peoples Bank of Commerce 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 Peoples Bank of Commerce 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 Peoples Bank of Commerce business.
About Peoples Bank of Commerce
Peoples Bank of Commerce operates as a community bank that provides various banking services to the Rogue Valley market, Oregon.
The company operates branches in Medford, Ashland, and Central Point, Oregon.
The companys loan portfolio includes commercial loans, consumer loans, home lending center, and SBA/government loans.
The companys commercial loans includes commercial term loans, such as commercial real estate, equipment, fixtures, and inventory, and certificate of deposit and stock secured loans; commercial construction loans, such as commercial real estate construction, owner occupied or investment property, and land development; commercial lines of credit, such as operating lines of credit, corporate credit cards, executive lines, and builder/contractor lines; and SBA/government loans.
The companys consumer loans includes personal credit lines, such as home equity lines (trust deeds), modified home equity line of credit, and other personal lines of credit; and consumer installment loans.
The company offers products and services to fit the customers specific situation: FHA Programs (Federal Housing Administration); VA Programs (Veterans Administration); first time home buyer programs; self-employed programs; construction loans; Less than perfect credit loans; fixed and adjustable rate loans; jumbo loans; and construction loans.
The company offers various services, such as online banking; bill pay; overdraft privilege service; debit/check card; ATM card; direct deposit; courier service for business; and safe deposit box.
As of December 31, 2008, the companys investment portfolio included the U.S. government-sponsored agencies and securities issued by states and political subdivisions in the U.S.
The companys deposits include personal accounts, such as FREEDOM checking, regular checking, people's choice checking, checking plus, money market account, savings, and certificates of deposit; and business accounts, such as small business FREEdom, business checking plus, business elite, business savings, business money market, business elite savings, business analyzed, and business basic accounts.
Peoples Bank of Commerce was founded in 1998.
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. PEOPLES BANK OF COMMERCE 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. PEOPLES BANK OF COMMERCE 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. PEOPLES BANK OF COMMERCE SWOT ANALYSIS
4. PEOPLES BANK OF COMMERCE 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
4.2.2. 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. PEOPLES BANK OF COMMERCE COMPETITORS AND INDUSTRY ANALYSIS
5.1. Peoples Bank of Commerce Direct Competitors
5.2. Comparison of Peoples Bank of Commerce and Direct Competitors Financial Ratios
5.3. Comparison of Peoples Bank of Commerce and Direct Competitors Stock Charts
5.4. Peoples Bank of Commerce Industry Analysis
5.4.1. Banks and Thrifts Industry Snapshot
5.4.2. Peoples Bank of Commerce Industry Position Analysis
6. PEOPLES BANK OF COMMERCE NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. PEOPLES BANK OF COMMERCE EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. PEOPLES BANK OF COMMERCE 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. PEOPLES BANK OF COMMERCE IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. PEOPLES BANK OF COMMERCE PORTER FIVE FORCES ANALYSIS2
12. PEOPLES BANK OF COMMERCE VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Peoples Bank of Commerce Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Peoples Bank of Commerce Key Executives
Key Executives Biographies1
Key Executives Compensations1
Peoples Bank of Commerce Major Shareholders
Peoples Bank of Commerce History
Peoples Bank of Commerce Products
Revenues by Segment
Revenues by Region
Peoples Bank of Commerce Offices and Representations
Peoples Bank of Commerce 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
Peoples Bank of Commerce Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Peoples Bank of Commerce Capital Market Snapshot
Peoples Bank of Commerce 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
Peoples Bank of Commerce 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
Peoples Bank of Commerce Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
Peoples Bank of Commerce 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
Peoples Bank of Commerce 1-year Stock Charts
Peoples Bank of Commerce 5-year Stock Charts
Peoples Bank of Commerce vs. Main Indexes 1-year Stock Chart
Peoples Bank of Commerce vs. Direct Competitors 1-year Stock Charts
Peoples Bank of Commerce 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, 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 (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 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
- Intangible resources
- Innovation and Creativity
- 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:
- Costly to imitate?
- Organized properly?