Chemical Financial Corporation (CHFC) - Financial and Strategic SWOT
Analysis Review
Reference Code: GDFS28202FSA Publication Date: APR 2012
333 East Main Street, P.O. Box 569 Phone +1 888 3092481 Revenue 215.2 (million USD)
Midland, MI Fax +1 989 6330416 Net Profit 43.05 (million USD)
48640-0569 Website www.chemicalbankmi.com Employees 1,716
United States Exchange CHFC [NASDAQ] Industry Financial Services
Company Overview
Chemical Financial Corporation (CFC) is a financial holding company, that operates through its subsidiary, Chemical Bank.
Chemical Bank offers commercial banking services through its regional and community banking units. The banks offers traditional
banking and fiduciary products and services such as personal checking accounts, safe deposit box services, automated teller
machines, consumer financing, savings and individual retirement accounts, debit cards, time deposit instruments, access to
insurance and investment products, money transfer services, residential and commercial real estate financing and other banking
services.
Key Executives SWOT Analysis
Name Title Chemical Financial Corporation, SWOT Analysis
David B. Ramaker Chairman Strengths Weaknesses
Terence F. Moore Director
Distribution Network Limited Presence
Gary E. Anderson Director
Improved Profitability
J. Daniel Bernson Director
Nancy Bowman Director
Source: Annual Report, Company Website, Primary and Secondary
Opportunities Threats
Research, GlobalData
Acquisition of O.A.K. Financial Competitive Pressure
Share Data Corporation
Basel III Norms on Capital
Chemical Financial Corporation
Improving US Banking Sector Requirements
Share Price (USD) as on 20-Apr- 22.25
2012
Source: Annual Report, Company Website, Primary and Secondary Research,
EPS (USD) 1.57 GlobalData
Market Cap (million USD) 600
Enterprise Value (million USD) 815
Shares Outstanding (million) 27
Source: Annual Report, Company Website, Primary and Secondary
Research, GlobalData
Financial Performance
Source: Annual Report, Company Website, Primary and Secondary
Research, GlobalData
Chemical Financial Corporation (CHFC) - Financial and Strategic Reference Code: GDFS28202FSA
SWOT Analysis Review
Source : www.globalcompanyintelligence.com Page 1
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Table of Contents
Table of Contents ............................................................................................................................................................................... 2
List of Tables .................................................................................................................................................................................. 3
List of Figures ................................................................................................................................................................................. 3
Section 1 - About the Company.......................................................................................................................................................... 4
Chemical Financial Corporation - Key Facts ...................................................................................................................................... 4
Chemical Financial Corporation - Key Employees ............................................................................................................................. 5
Chemical Financial Corporation - Key Employee Biographies ........................................................................................................... 6
Chemical Financial Corporation - Major Products and Services......................................................................................................... 7
Chemical Financial Corporation - History ........................................................................................................................................... 8
Chemical Financial Corporation - Company Statement...................................................................................................................... 9
Chemical Financial Corporation - Locations And Subsidiaries ......................................................................................................... 11
Head Office ................................................................................................................................................................................... 11
Other Locations & Subsidiaries ..................................................................................................................................................... 11
Section 2 – Company Analysis ......................................................................................................................................................... 14
Chemical Financial Corporation - Business Description ................................................................................................................... 14
Chemical Financial Corporation - Corporate Strategy ...................................................................................................................... 15
Chemical Financial Corporation - SWOT Analysis ........................................................................................................................... 16
SWOT Analysis - Overview........................................................................................................................................................... 16
Chemical Financial Corporation - Strengths ................................................................................................................................. 16
Strength - Distribution Network ................................................................................................................................................. 16
Strength - Improved Profitability ................................................................................................................................................ 16
Strength - Asset Quality ............................................................................................................................................................ 16
Chemical Financial Corporation - Weaknesses ............................................................................................................................ 16
Weakness - Limited Presence................................................................................................................................................... 16
Chemical Financial Corporation - Opportunities ........................................................................................................................... 17
Opportunity - Acquisition of O.A.K. Financial Corporation ......................................................................................................... 17
Opportunity - Improving US Banking Sector.............................................................................................................................. 17
Opportunity - Demand for Retirement Products in the US......................................................................................................... 17
Chemical Financial Corporation - Threats..................................................................................................................................... 17
Threat - Competitive Pressure .................................................................................................................................................. 17
Threat - Basel III Norms on Capital Requirements .................................................................................................................... 17
Threat - Turbulent Global Markets ............................................................................................................................................ 18
Chemical Financial Corporation - Key Competitors .......................................................................................................................... 19
Section 3 – Company Financial Ratios ............................................................................................................................................. 20
Financial Ratios - Capital Market Ratios........................................................................................................................................... 20
Financial Ratios - Annual Ratios ...................................................................................................................................................... 20
Performance Chart ........................................................................................................................................................................... 21
Financial Performance...................................................................................................................................................................... 21
Financial Ratios - Interim Ratios....................................................................................................................................................... 22
Financial Ratios - Ratio Charts ....................................................................................................................................