As our way of saying thank you for your interest in Mercer Capital’s Financial Institution’s Webinar series, the following resources have been made available as complimentary PDF downloads.
Valuation issues intersect with a bank’s affairs more often than you may imagine. These valuation issues might include merger and acquisition activity, an employee stock ownership plan, capital planning, litigation, or financial planning, among others. Each chapter in this handbook addresses a valuation issue that might surface at your financial institution. Meant to stand alone, the chapters summarize the key issues on which you should focus and provide insight and a vocabulary to assist you in asking the right questions of your professional advisors.
Banks proportionately make more use of Employee Stock Ownership Plans than any other industrial classification in the U.S. While an ESOP is not suitable in all circumstances, an ESOP may provide assistance in resolving the following issues, either by itself or in conjunction with other elements of a well-rounded strategic plan. Bank directors and managers can use the information in this handbook to make solid, initial decisions regarding the potential merits of an ESOP.
The rapid expansion and contraction of the financial services industry over the past two decades has given rise to a unique hybrid enterprise: the independent trust company. With roots in the departments of commercial banks, independent trust companies occupy a unique space in the financial services industry: positioned somewhere between a family office and an institutional asset manager. Most trust companies share attributes of both family offices and asset managers, so there really is no one-size-fits-all definition of an independent trust company. Recognizing the particular characteristics of any given trust company is essential to understanding its value in the marketplace.
Soft market or hard market, it is important for insurance brokerage owners to have an idea of what their business is worth. Opportunities for successful liquidity events may be missed or estate planning could be incorrectly implemented based on misunderstandings about value. In addition, understanding how insurance agencies and brokerages are actually valued may help you understand how to grow the value of your business and maximize your return when it comes time to sell. The purpose of this whitepaper is to provide an informative overview regarding the valuation of insurance brokerages and agencies.