–Copyrighted Material; Do Not Forward, Photocopy, or Redistribute In Any Way– Vol. IX, No. 38 TOM BROWN’S BANKING WEEKLY: 9/27/24 Financial Services Insights and Intelligence FIRST WORD: Huntington is turning up the heat on organic growth. We have clearly turned the corner. Now, it is all about focus, execution, and growth. In sum, we are…

–Copyrighted Material; Do Not Forward, Photocopy, or Redistribute In Any Way– Vol. IX, No. 37 TOM BROWN’S BANKING WEEKLY: 9/20/24 Financial Services Insights and Intelligence FIRST WORD: Pathward Financial: How many other banks earn 47% on their tangible common equity? There is little question that Pathward Financial has a uniquely attractive business model that has lately…

–Copyrighted Material; Do Not Forward, Photocopy, or Redistribute In Any Way– Vol. IX, No. 36 TOM BROWN’S BANKING WEEKLY: 9/13/24 Financial Services Insights and Intelligence FIRST WORD: Atlantic Union is ready for another acquisition. I have written frequently here about how most large bank acquisitions destroy value for the shareholders of the acquiror, but how some…

–Copyrighted Material; Do Not Forward, Photocopy, or Redistribute In Any Way– Vol. IX, No. 35 TOM BROWN’S BANKING WEEKLY: 9/6/24 Financial Services Insights and Intelligence FIRST WORD: Seekr Technologies offers solutions to the growing problem of “credible” misinformation and lies. This week Seekr Technologies CEO Pat Condo and COO Doug Dubiel visited me to discuss the…

–Copyrighted Material; Do Not Forward, Photocopy, or Redistribute In Any Way– Vol. IX, No. 34 TOM BROWN’S BANKING WEEKLY: 8/30/24 Financial Services Insights and Intelligence FIRST WORD: Why do the economies of processing scale lose to the diseconomies of management scale? Over the years I have witnessed a countless number of great banking companies deteriorate into…

–Copyrighted Material; Do Not Forward, Photocopy, or Redistribute In Any Way– Vol. IX, No. 33 TOM BROWN’S BANKING WEEKLY: 8/23/24 Financial Services Insights and Intelligence FIRST WORD: Why United Community succeeds with acquisitions. The facts show that the majority of large bank acquisitions destroy value for the shareholders of the acquirors. There are many reasons,…

–Copyrighted Material; Do Not Forward, Photocopy, or Redistribute In Any Way– Vol. IX, No. 31 TOM BROWN’S BANKING WEEKLY: 8/9/24 Financial Services Insights and Intelligence FIRST WORD: A conversation with an upbeat Brian Moynihan (Part 2). Last week in Part 1 of the summary of my discussion with Bank of America CEO Brian Moynihan, I…

–Copyrighted Material; Do Not Forward, Photocopy, or Redistribute In Any Way– Vol. IX, No. 30 TOM BROWN’S BANKING WEEKLY: 8/2/24 Financial Services Insights and Intelligence FIRST WORD: A chat with an upbeat Brian Moynihan (Part 1 of 2). Last Thursday, I met with Bank of America CEO Brian Moynihan in his New York office. He is…