article thumbnail

Bank Valuation: Understanding Key Ratios and Metrics

Tom Spencer

Profitability ratios Net interest margin (NIM) Efficiency ratio Return on assets (ROA) Fee income to total income Return on equity (ROE) Dividend payout ratio Total shareholder return (TSR) 1.1 All else being equal, a higher ROA is better as it indicates stronger profitability and more efficient asset utilization.

Metrics 88
article thumbnail

It’s Not “Time Management.” It’s Lean.

Markovitz Consulting

Indeed, a recent survey by the Society of Human Resource Management indicates that fifteen percent of companies offer a 32-hour workweek. Unfortunately, companies in the lean community don’t seem to take much note of, or try to copy these experiments, probably because the benefits aren’t reflected on the income statement or balance sheet.

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Boosting Business Profitability

Business Consulting Agency

To navigate the complexities of the marketplace and maximize revenue while minimizing costs, many companies turn to business consulting services. This includes scrutinizing income statements, balance sheets, and cash flow statements. This includes product positioning, pricing strategies, and market entry plans.

article thumbnail

Unlocking Business Profit Potential

Business Consulting Agency

Whether you’re a startup or an established company, consulting services offer expert guidance to enhance your profitability. Review income statements, balance sheets, and cash flow to identify areas that impact profitability. It might involve cost reduction, pricing optimization, revenue growth, or operational efficiency.

article thumbnail

M&A deals – benefits and drawbacks

Tom Spencer

Mergers and acquisitions, or M&A for short, involves the process of combining two companies into one. The goal of combining two or more businesses is to try and achieve synergy – where the whole (new company) is greater than the sum of its parts (the former two separate entities). Mergers occur when two companies join forces.

article thumbnail

Customers are your ‘ace in the hole’ during uncertain times

1 to 1

So how can companies continue to grow when times are tight? A customer focus also builds trust between companies and their customers, which is a key enabler of long-term, profitable relationships, no matter the economic climate. The best partners will guarantee you cost savings by improving efficiencies that don’t sacrifice CX.

article thumbnail

Why Apple Is Getting into the Energy Business

Harvard Business

This summer, the company applied for federal licenses to sell directly to customers the excess renewable energy it generates on its new campus and in facilities across Oregon, Nevada, and California. In traditional EE, one simply replaced device A with more-efficient device B. Consider Apple, hardly a byword in the energy business.

Energy 28