Banking Insights
Educational guides on the banking topics that matter most when analyzing bank stocks.
Interest Rate Risk & Sensitivity
How changes in interest rates affect bank earnings, balance sheets, and stock valuations.
- Duration Gap Analysis for Banks
- Asset-Liability Management in Banking
- Yield Curve Impacts on Bank Profitability
- Rate Sensitivity Modeling for Banks
- Net Interest Income Simulation
Bank Mergers & Acquisitions
How bank deals are structured, priced, and evaluated by investors from announcement through closing.
- Bank Takeover Premiums
- Identifying Bank Acquisition Targets
- Bank M&A Deal Structures
- Regulatory Approval for Bank Acquisitions
- Value Creation and Destruction in Bank M&A
Bank Regulation & Framework
The regulatory structure governing US banks and how capital rules, stress tests, and oversight affect bank stocks.
- US Bank Regulators: Who Oversees What
- Basel III Capital Rules for Banks
- Bank Stress Testing: CCAR and DFAST
- Dodd-Frank's Impact on Bank Investing
- Bank Liquidity Requirements: LCR and NSFR
Deposit Analysis & Franchise Value
How deposit quality drives bank profitability, funding stability, and long-term franchise value.
- Bank Deposit Composition
- Core vs. Brokered Deposits
- Understanding Deposit Betas
- Deposit Franchise Value
- Uninsured Deposit Risk
Loan Portfolio Analysis
How to evaluate a bank's lending mix, credit concentrations, and the risk profile of its loan book.
- CRE Concentration Risk in Banks
- C&I Lending at Banks
- Residential Mortgage Lending at Banks
- Consumer Lending at Banks
- Geographic Concentration in Bank Lending
Banking Crises & Lessons Learned
What past bank failures teach investors about identifying risk, reading warning signs, and protecting capital.
- The Savings & Loan Crisis
- The 2008 Financial Crisis
- The 2023 Regional Bank Turmoil
- Early Warning Signs of Bank Failure
- Regulatory Responses to Banking Crises
Fee Income & Non-Interest Revenue
How banks earn revenue beyond lending, and why fee income diversification matters for stability and valuation.
- Wealth Management Fee Income at Banks
- Mortgage Banking Income
- Service Charges and Account Fees
- Interchange and Card Fee Revenue
- Insurance and Other Fee Businesses
Bank Earnings Analysis
How to read bank quarterly reports, interpret earnings quality, and separate sustainable results from noise.
- Reading Bank Quarterly Earnings Reports
- Understanding Provision Expense Trends
- Identifying One-Time Items in Bank Earnings
- Reading Bank Management Commentary
- Comparing Bank Results to Analyst Estimates
Comparing Bank Types
How community banks, regionals, money centers, thrifts, and fintech-banks differ in business models, risk profiles, and investment characteristics.
- Understanding Community Banks
- Understanding Regional Banks
- Understanding Money Center Banks
- Understanding Thrifts and Savings Institutions
- Understanding Fintech-Banks and Digital Challengers
Bank Risk Management
How banks identify, measure, and manage the five major risk categories that determine whether they survive and thrive through economic cycles.