ROAE

The State of Banking

February 4, 2018 | Jeff For Banks

Where are we and where have we been? Trends are telling. In 2013, there were 6,812 FDIC-insured financial institutions. At September 30, 2017 there were 5,737, a 16% decline. There […]


For Banks, What Is Top Quartile Performance?

January 13, 2018 | Jeff For Banks

What is top quartile financial performance? I am often asked this question, and top quartile performance appears as stretch goals in many strategic plans. And I say bravo! Nobody wants […]


Banking’s Total Return Top 5: 2016 Edition

December 13, 2016 | Jeff For Banks

For the past five years I searched for the Top 5 financial institutions in five-year total return to shareholders because I grew weary of the persistent “get big or get […]


A Financial Institution Investment Banker Had Questions. Here Are My Answers.

February 6, 2016 | Jeff For Banks

My colleagues and I are frequent speakers at industry events. At one such event, a financial institution investment banker approached my colleague and handed him a list of questions he […]


Ever test the theory that acquiring banks is good? I did.

November 10, 2014 | Jeff For Banks

Every strategic planning retreat has its own flavor. This one particular retreat included a parade of investment bankers conveying the virtues of deal making while the audience of senior bank […]


In Pursuit of Return on Equity

January 4, 2012 | Uncategorized

When performing ratio analysis to determine a company’s profitability we should remember that a ratio has at least two data points: a numerator and a denominator. It doesn’t matter if […]