DD&F’s experience and success speaks for itself in our consistently high ranking for M&A financial advisors in the United States. We work with buyers and sellers of holding companies, whole banks, branches or assets.
M&A isn’t unlike a marriage, and some pre-acquisition counseling is always a good idea. Let us help you take off the rose-colored glasses before you sign on any dotted lines. What does that look like? Pro forma financials, determination of accretion/dilution and pay-back period with different pricing and consideration scenarios. You’ll wish we’d done your premarital counseling too.
Due Diligence Assistance
On the road to acquisition, Due Diligence is one area you don’t want to speed through.We can help your team assess the risks, providing a risk-focused analysis so your decisions are truly informed. Our services include accounting, verification, loan portfolio evaluations, regulatory compliance, technology consulting and operational assessments.
Valuations & Appraisals
At the end of the day, the question on your mind is, “What is it worth?”There are no Trulia or Zillow searches for this one. You need experts who are accredited, educated and experienced. DD&F Valuation Group, accredited through the National Association of Certified Valuators and Analysts, has a thorough understanding of current and changing valuation methodology and accounting standards, and is able to correctly evaluate your current financial position.
As part of our full service strategy to make you successful, we handle the nitty-gritty background details that are essential to transactions: regulatory filings.A comprehensive knowledge of the regulatory agencies, regulators, regulations and expectations built on years of experience makes us the best choice when it comes to filing any and all applications.We focus on the details and getting it right so you can get approved and get moving.
When it comes to birthing banks, we get all warm and fuzzy. Over the past 25 years, we’ve helped charter over 40 new banks across the country.Our full service approach leaves you informed, educated and prepared as we take you from concept and capitalization to initial opening and earnings evaluation. Along the way, we offer a full range of services from strategic and regulatory, operations and technology consulting and branding and communications.
When you’re hoping to expand or build a franchise through acquisition, you don’t want overlapping markets to kill your deal. Our team evaluates potential anti-competitive issues in advance, or helps develop and document the mitigating factors applicable to areas with concentration challenges. We can’t guarantee the outcome, but we have had positive results in situations where regulatory approval was threatened.
When time is of the essence, experience is everything.FDIC transactions have highly compressed time frames with as little as three to four weeks from FDIC marketing to closing. We understand the bid process, bidding trends and can give you a competitive bidding advantage.
New capital requirements and increasing regulatory orders are forcing banks, healthy and otherwise, to rethink their capital plan and devise new strategies to improve their capital position. DD&F’s Capital Analysis Process can help your management and board evaluate your capital objectives, capitalization levels and make sure you are on the best course of action.
Loss-Share Agreement Buyouts
We have developed a unique expertise in failed bank loss share agreements and, more importantly, in loss share buyouts with the FDIC.Using our hands-on knowledge of the loss share termination process, in most cases we are able to significantly reduce a bank’s True-Up liability and seamlessly guide our clients through the termination process.
A critical part of any strategic move is evaluating its feasibility.Our consultants have become experts on market analysis, using state-of-the-art financial, economic and demographic metrics, to determine the potential success of a transaction in a given market.Whether considering a location for a branch, a new charter or the economic possibilities of an acquisition, our feasibility studies will provide you with a vital piece of the picture.
Business Plan Development
We agree with Ben Franklin, “If you fail to plan, you are planning to fail.” In the business of banking, this may not be the fun part, but it is certainly essential.Let us use our years of experience to help you craft a strategic plan that incorporates your business goals, financial projections, evaluates your future plans and gives you a gauge for measuring your current and ongoing success.