We have performed more than a thousand valuations of banks and bank holding companies across the United States. The reasons for valuations vary — from ESOPs and shareholder agreements to tax and estate planning, mergers & acquisitions, goodwill impairment testing in accordance with FASB 142, and stock offerings. In all these situations, the valuation is of little use unless it is clear, credible, and based on solid market and financial data.

While many valuation methodologies exist, we believe no single method is sufficient or even applicable to every situation. We understand the theory behind valuing bank stocks and take great pains to select the appropriate methods for a given bank.

In addition, we stay current on the latest rulings from the IRS and the Comptroller of the Currency and on judicial decisions affecting bank stock.

When we perform a valuation, a process that typically requires twenty to twenty-five business days, we produce a written document that reflects a bank’s uniqueness along with the particular circumstances surrounding the appraisal.