differences between modeling normal retail/tech companies and financial firms

ok so i know the basics are that you obviously can't use EBIT while valuing a bank because it excludes interest expense/income which is where a bank gets a majority of its money from, so you could do like a dividend discount model, project out the financial statements find out how much money they need to keep on hand for regulatory reasons and then use that to figure out the money they could pay out as dividends since they don't really require much reinvestment then discount the projections down and sum them for the intrinsic value then use a multiple (possibly price/book?) to get the terminal value. but is there anything else significant, how about insurance firms like Prudential?

thanks

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