Jeff For Banks

How To Get Off The Hot Rate Ferris Wheel

I recently spoke at the DCI Annual Users Conference and the ABA Bank Marketing Conference about, among other things, how bankers can get off the the “hot rate” kick. I […]


Bankers Automate! With This Asterisk

Last week the Virginia Bankers’ Association had a futurist at their annual convention. Among other things, he predicted that the pandemic induced, government supported prolonged labor shortage will accelerate the […]


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 […]