Young & Associates, Inc. provides community financial institution clients with stock valuation services and advice encompassing a variety of transactions and valuation purposes. Our experience in merger and acquisition activities, institution formations, capital offerings, and other capital market transactions gives us the expertise to help our clients understand their market value and make informed decisions as they implement their strategic initiatives.
Our valuations utilize a variety of industry-recognized valuation techniques and include detailed documentation to support our conclusions. In the process of determining the value, we perform an in-depth analysis of the financial condition of the institution and consider its earning and growth prospects, market and peer comparisons, market pricing of publicly-traded institutions, economic outlook, as well as the market’s demographic and competitive information. The final value estimate is based on an understanding of each valuation methodology employed, and how each methodology applies to the specific circumstances of the institution being valued.
Our clients have used our stock valuations to determine pricing for capital offerings, share repurchases, holdings of employee benefit plans, and internal capital planning, among other purposes.