Regional banks ready to join forces to battle JP Morgan in anticipated merger wave

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Regional banks are scrambling to keep up as the likes of J.P. Morgan dot the nation with branches, and many expect a wave of friendly mergers.

BB&T's $28 billion deal last month to buy SunTrust is the largest U.S. bank tie-up since the financial crisis and one that many expect will trigger even more consolidation in the industry.

"Investors are [now] more focused on deal terms, mechanics and outcome than they've ever been before," said Thomas Michaud, the CEO of Keefe, Bruyette & Woods, an investment bank that specializes in the financial industry."In some cases they feel like they might have been burned by deals where – that just didn't pan out as expected. So they're demanding more from the bank consolidation.

Weill's Travelers Group stunned Wall Street in 1997 when it announced that it would purchase Salomon Brothers for more than $9 billion, almost twice book value. One year later, Travelers merged with Citicorp in a landmark, $70 billion all-stock merger that created a $140 billion firm with assets of almost $700 billion.

This year is already more active than 2018 in terms of aggregate deal value. There were 261 bank transactions last year that summed to a total value of $29.9 billion, according to S&P Global Market Intelligence data compiled by Moelis & Co. Less than three months into 2019, investors have already seen 48 transactions for a total value of $35 billion.

BB&T had a better reception. BB&T's stock rose 4 percent the day of the merger announcement, and SunTrust shares jumped 10 percent. The thought of an age without frothy deal premiums may be enough disappoint some investors, but for another group of bank shareholders, the key to banking success is locked in the war for deposits, reliable customers and technology. Mergers often represent an attractive way for a pair of smaller banks to improve in those respects and take market share from the Street's biggest firms

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