All other community bank data and analytics are driven by fundamentally flawed assumptions. Our methodology uncovers hidden value and hidden risk in balance sheets. We give our clients a competitive advantage in stress testing and strategic planning, M&A targeting, CECL readiness, negotiating with regulators, growing their banks, and enhancing shareholder value.

The Invictus Group has redefined bank analytics. We are a unique company, fueled by a fundamentals-based approach to bank analysis, combined with an unmatched and evolving database of regional loan level data.

This allows us to be forward-looking in everything we do.

Here are some of our proprietary metrics:

LoanLayering®– A proprietary algorithm that approximates loan level data for every bank in the country using a combination of publicly available information and our ever-evolving database.  LoanLayering® allows our clients to capture approximate vintage, rate, credit, and duration data for competitors, targets, and entire regions and markets.

FreeCapital®– Excess capital as determined by a stress test that can be used for dividends, stock repurchases, acquisitions, or other corporate purposes.  FreeCapital® is customized for each bank depending on its unique forward-looking risk profile and can be calculated using actual loan level data (for clients) or publicly available information (for any bank in the country).

Vulnerability Score™ – A metric designed to capture several analytical techniques that estimate “Shareholder Unhappiness.” We have crafted a “module-based” estimate of shareholder unhappiness to quickly cull the list of potential M&A targets to likely sellers.

HalfLife™ – A calculation that measures the point at which a bank’s loan portfolio has shrunk by half in terms of total volume outstanding from now until the entire portfolio runs off.  This simple metric, powered by LoanLayering®, provides insight on the relative durability of earnings among any group of banks using publicly available data.

Jungle Chart™ – A quarterly tool  that segregates every bank in the country into four quadrants based on its forward-looking earnings and funding profiles. The Jungle Chart™ measures both the quantity and quality of earnings.  Banks are categorized as Tigers, which are the strongest in terms of quality earnings and strong, flexible funding; Wolves, which have strong earnings today but will struggle to fund future growth; Deer, which have low earnings likely due to limited organic growth prospects; and Ducks, which are the most vulnerable due to lack of earnings and weak funding.