Jeff For Banks

Community Banking According to Andy

I enjoy Twitter because of the relationship threads I have maintained, the good-natured jabbing among friends, and keeping abreast of news I would not otherwise read. One of my tweeps […]


Bankers: 7 Questions to Determine If You Have a Strategic CFO

Ajit Kambil of the consulting firm Deloitte, in one of their Perspectives articles, asked seven essential questions to determine if the reader was or has a strategic CFO. I thought it provided […]


Bank Customers’ Lifetime Value

*This article was originally published on jeff4banks.com on July 3, 2021*   Who are your target customers? Answer: XYZ Why are they your target customers? Answer: They are our most […]


Banking’s Execution Imperative

**This article originally appeared in Jeff4Banks.com on June 19, 2021.**   Announcer: Spain had 85% possession against Sweden and did not score. The strategy drawn up by the Spanish side […]


Excess Liquidity, Low Rates, and Branching. My Answers to Jeff Davis’ Questions

**This video blog was originally posted on Jeff4Banks.com on May 13, 2021.** S&P Global Market Intelligence Principal Analyst Nathan Stovall recently interviewed Mercer Capital’s Jeff Davis on the Street Talk podcast regarding the thorny banking issues […]


Squared Away-How It Happened

**This article was originally posted on Jeff4Banks.com on April 29, 2021.** March 11, 2020: The World Health Organization declared a global pandemic. I attended the Pennsylvania Bankers’ Association Women in […]


Unintended Consequences of Aggressive Regulation

“In case you’re looking for some light reading this weekend, FRB-Philadelphia working paper 21-08, Does CFPB Oversight Crimp Credit?” ~ Robert Morro (@bmorro44)   So went a tweet from one […]


Fintech Buys Bank. Keeps Stratospheric Valuation.

Imagine a fintech, with off-the-chart valuations such as 2.6x book value and 51x EBITDA, buying a bank. For 1.85x book. In today’s M&A valuations, 1.85x is pretty lofty. Especially for […]


CFPB: Are They Coming to Get You?

A bank trade association CEO asked me a couple of questions while he was researching an op-ed piece. The edited Q&A is below. Q. Shouldn’t the CFPB work to address […]


Twitter Reacts to M&T / Peoples United Bank Deal

The headlines for subject deal, which dealmakers hope beyond all hope starts a robust bank M&A frenzy, were like the following: (you can click on articles and tweets to enlarge) […]