RP® Financial provides financial and management consulting, merger advisory and valuation services to financial services companies, including banks, thrifts, credit unions, insurance companies, mortgage companies and others. We offer a broad array of services, high quality and prompt service, hands-on involvement by our senior staff, careful structuring of strategic initiatives and sophisticated valuation and other analyses consistent with industry practices and regulatory requirements. Our staff has an extensive consulting, valuation, financial advisory and industry backgrounds.
STRATEGIC and CAPITAL PLANNING SERVICES
RP®’s strategic and capital planning services, for established or de novo banking companies, provide effective feasible plans with quantifiable results to enhance shareholder value, achieve regulatory approval or realize other objectives. We conduct situation analyses; establish mission/vision statements, strategic goals and objectives; and identify strategies to enhance value, address capital, increase earnings, manage risk and tackle operational or organizational matters. Our proprietary financial simulation models facilitate the evaluation of the feasibility, impact and merit of alternative financial strategies. READ MORE
BUSINESS PLANNING SERVICES
RP’s business planning services are designed for both healthy and troubled banking companies, including commercial banks, thrifts and credit unions. Our team of senior consultants provides you with balance sheet and income statement projections, detailed assumptions and a narrative business plan conforming to the interagency guidelines. We have extensive experience in preparing business plans that are accepted by Federal and State banking regulators, for de novo banks, in connection with growth, shrinkage and capital strategies, and for troubled banking companies evaluating balance sheet and income statement strategies to meet regulatory requirements, such as growth and lending restrictions, elevated capital requirements or funding restrictions. READ MORE
MERGER ADVISORY SERVICES
RP®’s merger advisory services include targeting buyers and sellers, assessing acquisition merit, conducting due diligence, negotiating and structuring deal terms, preparing merger business plans and financial simulations, rendering fairness opinions, preparing fair valuation analyses and supporting post-merger strategies. RP® is also expert in de novo charters, shelf charters and failed bank deals with loss sharing or other assistance. Through financial simulations, valuation proficiency and regulatory familiarity, our merger advisory services center on enhancing shareholder returns. READ MORE
VALUATION SERVICES
RP®’s extensive valuation practice includes mergers, thrift stock conversions, insurance company de-mutualizations, merger valuation and goodwill impairment, ESOPs, going private, secondary offerings and other purposes. We are highly experienced in performing appraisals conforming with regulatory guidelines and appraisal standards. We are the leading valuation firm for thrift stock conversions, with offerings ranging up to $4 billion. READ MORE
MANAGEMENT STUDIES
RP® provides effective organizational planning, and we are often engaged to prepare independent management studies required for regulatory enforcement actions. We evaluate Board, management and staffing needs, assess existing talent and capabilities and make strategic recommendations for new positions, replacement, succession and other organizational matters. READ MORE
ENTERPRISE RISK ASSESSMENT SERVICES
RP® provides effective enterprise risk assessment consulting services to assist our clients in evaluating the degree to which they have properly identified, understood, measured, monitored and controlled enterprise risk as part of a deliberate risk/reward strategy and to help them implement strategies to mitigate risk, enhance performance, ensure effective reporting and compliance with laws and regulations and avoid potential future damage to their reputation and associated consequences and to mitigate residual risk and unanticipated losses. READ MORE
REGULATORY ENFORCEMENT ACTION COMPLIANCE and RESOLUTION CONSULTING SERVICES
As a result of the difficult economic and banking environment since 2007, an unprecedented number of banking companies have or are becoming subject to informal and formal regulatory enforcement actions, including Memorandums of Understanding, Written Agreements, Supervisory Agreements, Consent Orders, Cease and Desist Orders, and Civil Money Penalties. RP Financial’s senior staff has been advising banking companies in matters involving regulatory enforcement actions since the early 1980s and its team includes a combination of career consultants and seasoned former bank executives and directors who have experience in developing effective corporate governance and reporting structures and mechanisms to comply with and resolve such enforcement actions. READ MORE
OTHER CONSULTING SERVICES
RP® provides other consulting services including evaluating regulatory changes, developing diversification and branching strategies, conducting feasibility studies and other research, and preparing management studies in response to regulatory enforcement actions. We assist clients with CRA plans and revising policies and procedures. Our other consulting services are aided by proprietary valuation and financial simulation models. READ MORE
