M&A Financial Due Diligence

Overview

Provides a structured framework for financial due diligence in bank M&A transactions, covering earnings quality assessment, balance sheet fair value adjustments, accretion/dilution analysis, cost and revenue synergy validation, pro-forma capital and liquidity impact, and deal pricing evaluation. Designed for deal committee presentations, board approval packages, and regulatory application support (OCC/FDIC/Fed merger applications).

When to Use

• Evaluating a potential bank or financial institution acquisition target
• Building or reviewing accretion/dilution models for proposed transactions
• Assessing fair value marks on target loan portfolios, securities, and deposits
• Validating cost and revenue synergy assumptions
• Preparing financial analysis sections of regulatory merger applications
• Presenting deal economics to board of directors or deal committee

Required Inputs