Bayer’s (BAYZF) intended acquisition of Monsanto (MON) may be a bit too much to handle. The initial announcement of an unsolicited offer of $45 billion for Monsanto sent Bayer’s shares tumbling down 7.8 percent and trading at $99.95 per share last Thursday. Monsanto was up 3.5 percent at $100.55 a share.

Bayer finished the week down 6.9 percent trading at $100.12 per share and Monsanto was up 3.3 percent at $101.52 per share.

Bayer sweetened the deal over the weekend bumping up the offer to $62 billion and raising even more questions about the affordability of the purchase.

The offer may be a cash and stock deal because Bayer does not have enough cash. The appeal is all about the different markets that they serve. Bayer is predominantly in pharmaceuticals but also known for its cotton, rice and vegetable seeds. Monsanto is the seed king with canola, corn, soybeans and wheat among others. There is some overlap with cotton and vegetable seeds but the commonality is disappointing results.

Monsanto whose enterprise value is at $52.3 billion is around half the size of Bayer’s $102.6 billion.

The balance sheet analysis indicates that Bayer’s liquid assets and cash on hand of $30.4 billion wouldn’t be enough to pay cash and would have to raise a considerable amount to afford a purchase price more likely to be accepted than any initial offer made to Monsanto.

Currently, Bayer represents 1.5 percent of the healthcare sector and leads its peers in the size of the financial statement figures, but reports lower than average returns.

Both companies have a C rating from Weiss falling under the HOLD category. Monsanto was upgraded to C from C- on May 12 and Bayer received a downgrade from B- to C on March 11.

Even if they come to an agreement, the union between the German giant Bayer and St. Louis based Monsanto is not guaranteed as it would probably need to be approved by regulators. Someone pass me an aspirin.

[UPDATE: With Bayer making an increased, all cash, revised offer it makes it much more likely Bayer will have to raise a significant amount to close the deal. The enormous premium over Monsanto's current stock price makes this a clear take-it or leave-it deal, with the message Bayer appears ever so slightly desperate to take advantage of perceived Monsanto current weakness.]

Stocks

Regardless of your investment habits, whether trading daily, once a month, or once a year we have the necessary tools to help you make better financial decisions.

Weiss rates thousands of stocks giving you the ability to compare and analyze your investments with ease.

We give you access to all daily rating changes, most active stocks, gainers and losers.

Our stock data and ratings updated daily so you can have the latest and greatest on what’s going in the stock market.

ETFs

Our analysis shows that leveraged equity and equity precious metals ETFs are the top performing funds in 2016 so far. Although the YTD performance of these funds is great, you’ll see that the ratings are not. Most of them are in the SELL category and some in HOLD.

Visit Weis Ratings ETF web page to explore all that we have to offer!

Mutual Funds

Below is the current ratings distribution for over 27,000 Weiss rated mutual funds.

As you can see, most of them fall under the HOLD recommendation and have a C rating. SELL is the second most populous group with over 7,000 mutual funds rated D or E and BUY with the lowest number of funds rated A or B.

You may also see the funds that were upgraded or downgraded and see if any of your investments are amongst them.

Banks

From 6,105 rated banks by Weiss there are only 27 meriting A+ rating. This elite group of financial institutions represents only 0.4 percent of the entire U.S. banking industry.

The table below shows the top 5 by asset size.

To see all A+ rated banks, click here.

To find a recommended bank (rated B+ or higher) in your state, click here.

You may also check out the weakest banks (rated D or E) in your state. Simply select the state from the drop down menu and click “View”.

Credit Unions

What happens when a credit union files its Call Report late? A penalty gets assessed by the NCUA ( National Credit Union Administration) based on the credit union’s assets size, recent Call Report history, and the length of the filing delay. The assessed amount can vary anywhere from a few hundred dollars for a small credit union to a few thousand or more for the larger ones.

There were 22 credit unions with penalties in Q4, 2015 with individual penalties ranging from $157 to $2,580, the median was $356. The late filers paid the total of $13,548, all of which will go the U.S. Treasury as required by the Federal Credit Union Act.

The number of late Call Report filings has been declining over the years, down to below 30 for the most recent filing period as compared to 1,744 four years ago.

Check and see if your credit union was late to file its Call Report in Q4, 2015.

And, don’t forget to visit Weiss Ratings to see your credit union’s safety rating.

Insurance

Based on Q4, 2015 life and annuity insurer data analysis, 44.9 percent of them fall under the B rating category representing the largest group of insurers in the same rating range. The E rated insurers represent 3.9 percent and the elite As make up 8.8 percent of all Weiss rated life and annuity insurers.

Weiss Ratings issues Safety Ratings on over 660 life and annuity insurers, make sure to check out our ratings on them before you make any financial decisions.