The Effect of the Election on Community Banking

  Well, the election is over. And the United States is about to have a new President. A lot of time, energy and horsepower is being spent on what will or will not happen to the financial markets now that the election is over. It does seem that it may make more...

EBITDA and Multiples: The Perception of Risk

  In the world of mergers and acquisitions, it’s common to hear business owners and their advisors reference a transaction price or investment based on a multiple of EBITDA (earnings before interest, taxes, depreciation and amortization). While multiples of...

Corporate Debt at Risk in Current Economy

  America has a debt problem, but it isn’t what you think. Yes, the federal debt is growing and many Americans are still struggling to pay off mortgage and student loans. But the larger problem is only discussed in financial circles. Like consumers, the...

Why Every Company Needs a “Turnaround”

  Most people think of a turnaround as the last resort for a company. Everything needs fixing. Nothing is sure except the need to recover. The experience is intense and management is always glad when the turnaround specialist has completed their work and the...