The Invictus Story

Groundbreaking analytics and strategic insights for the C-suite and boardroom

We are a data-driven strategic advisory firm. Our expert team uses cutting-edge analytics to provide bank CEOs and boards of directors forward-looking tools they cannot receive from anyone else.

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.

How Invictus Works

Our database continually grows and the system gets smarter as we add clients and build the BankGenome™ Project.

The Invictus Competitive Advantage

Our Mission

Invictus is the essential resource for bank executives, boards of directors and investors in navigating the new world of banking. Our mission is to provide our clients a competitive advantage through data intelligence, industry expertise and disruptive analysis.

Adam Mustafa, CEO, Invictus Group

We give our clients a competitive advantage.