9.15 USD
+0.05 (+0.55%)
9.15 USD
0 (0%)
LBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of LBC have multiple concerns. LBC does not seem to be growing, but still is valued expensively. LBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year LBC was profitable.
LBC had a positive operating cash flow in the past year.
In the past 5 years LBC has always been profitable.
LBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
LBC has a worse Return On Assets (0.44%) than 85.82% of its industry peers.
LBC has a Return On Equity of 5.17%. This is amonst the worse of the industry: LBC underperforms 85.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.44% | ||
| ROE | 5.17% | ||
| ROIC | N/A |
ROA(3y)0.94%
ROA(5y)0.83%
ROE(3y)10.46%
ROE(5y)9.42%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 29.17%, LBC is doing good in the industry, outperforming 67.79% of the companies in the same industry.
In the last couple of years the Profit Margin of LBC has declined.
The Operating Margin and Gross Margin are not available for LBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.17% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.84%
PM growth 5Y-5.23%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
LBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
LBC has less shares outstanding than it did 1 year ago.
Compared to 1 year ago, LBC has an improved debt to assets ratio.
2.2 Solvency
LBC has a debt to FCF ratio of 3.20. This is a good value and a sign of high solvency as LBC would need 3.20 years to pay back of all of its debts.
LBC has a Debt to FCF ratio of 3.20. This is comparable to the rest of the industry: LBC outperforms 41.11% of its industry peers.
LBC has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
LBC has a Debt to Equity ratio of 0.23. This is comparable to the rest of the industry: LBC outperforms 50.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 3.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for LBC have decreased strongly by -59.43% in the last year.
The Earnings Per Share has been growing slightly by 4.01% on average over the past years.
LBC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -33.38%.
Measured over the past years, LBC shows a quite strong growth in Revenue. The Revenue has been growing by 8.62% on average per year.
EPS 1Y (TTM)-59.43%
EPS 3Y21.75%
EPS 5Y4.01%
EPS Q2Q%-90.24%
Revenue 1Y (TTM)-33.38%
Revenue growth 3Y10.38%
Revenue growth 5Y8.62%
Sales Q2Q%-54.98%
3.2 Future
Based on estimates for the next years, LBC will show a very negative growth in Earnings Per Share. The EPS will decrease by -28.01% on average per year.
The Revenue is expected to decrease by -15.04% on average over the next years. This is quite bad
EPS Next Y-67.83%
EPS Next 2Y-60.71%
EPS Next 3Y-28.01%
EPS Next 5YN/A
Revenue Next Year-42.79%
Revenue Next 2Y-33.1%
Revenue Next 3Y-15.04%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.89, LBC is valued correctly.
LBC's Price/Earnings ratio is a bit more expensive when compared to the industry. LBC is more expensive than 77.64% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.50. LBC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 37.75, which means the current valuation is very expensive for LBC.
Based on the Price/Forward Earnings ratio, LBC is valued a bit more expensive than 78.85% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.93. LBC is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.89 | ||
| Fwd PE | 37.75 |
4.2 Price Multiples
LBC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as LBC's earnings are expected to decrease with -28.01% in the coming years.
PEG (NY)N/A
PEG (5Y)3.22
EPS Next 2Y-60.71%
EPS Next 3Y-28.01%
5. Dividend
5.1 Amount
LBC has a Yearly Dividend Yield of 5.42%, which is a nice return.
Compared to an average industry Dividend Yield of 2.74, LBC pays a better dividend. On top of this LBC pays more dividend than 87.50% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, LBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.42% |
5.2 History
The dividend of LBC is nicely growing with an annual growth rate of 27.79%!
LBC has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)27.79%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
LBC pays out 16.96% of its income as dividend. This is a sustainable payout ratio.
DP16.96%
EPS Next 2Y-60.71%
EPS Next 3Y-28.01%
9.15
+0.05 (+0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners0%
Inst Owner Change0%
Ins Owners42.93%
Ins Owner Change0%
Market Cap466.83M
Revenue(TTM)123.27M
Net Income(TTM)35.96M
Analysts80
Price Target12.75 (39.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.42% |
Yearly Dividend0.48
Dividend Growth(5Y)27.79%
DP16.96%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-47.02%
Min EPS beat(2)-67%
Max EPS beat(2)-27.05%
EPS beat(4)0
Avg EPS beat(4)-29.5%
Min EPS beat(4)-67%
Max EPS beat(4)-4.12%
EPS beat(8)4
Avg EPS beat(8)-9.94%
EPS beat(12)8
Avg EPS beat(12)-0.38%
EPS beat(16)10
Avg EPS beat(16)-1.25%
Revenue beat(2)0
Avg Revenue beat(2)-17.41%
Min Revenue beat(2)-17.42%
Max Revenue beat(2)-17.4%
Revenue beat(4)0
Avg Revenue beat(4)-11.41%
Min Revenue beat(4)-17.42%
Max Revenue beat(4)-3.24%
Revenue beat(8)2
Avg Revenue beat(8)-4.96%
Revenue beat(12)6
Avg Revenue beat(12)-2.49%
Revenue beat(16)7
Avg Revenue beat(16)-2.26%
PT rev (1m)0%
PT rev (3m)13.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.89 | ||
| Fwd PE | 37.75 | ||
| P/S | 3.79 | ||
| P/FCF | 9.55 | ||
| P/OCF | 9.39 | ||
| P/B | 0.67 | ||
| P/tB | 0.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.71
EY7.76%
EPS(NY)0.24
Fwd EY2.65%
FCF(TTM)0.96
FCFY10.47%
OCF(TTM)0.97
OCFY10.65%
SpS2.42
BVpS13.62
TBVpS13.56
PEG (NY)N/A
PEG (5Y)3.22
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.44% | ||
| ROE | 5.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.17% | ||
| GM | N/A | ||
| FCFM | 39.67% |
ROA(3y)0.94%
ROA(5y)0.83%
ROE(3y)10.46%
ROE(5y)9.42%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.84%
PM growth 5Y-5.23%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 3.2 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 38.1% | ||
| Cap/Sales | 0.65% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.98% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.09%
ROIC/WACCN/A
Cap/Depr(3y)28.16%
Cap/Depr(5y)45.3%
Cap/Sales(3y)0.5%
Cap/Sales(5y)0.88%
Profit Quality(3y)128.57%
Profit Quality(5y)133.52%
High Growth Momentum
Growth
EPS 1Y (TTM)-59.43%
EPS 3Y21.75%
EPS 5Y4.01%
EPS Q2Q%-90.24%
EPS Next Y-67.83%
EPS Next 2Y-60.71%
EPS Next 3Y-28.01%
EPS Next 5YN/A
Revenue 1Y (TTM)-33.38%
Revenue growth 3Y10.38%
Revenue growth 5Y8.62%
Sales Q2Q%-54.98%
Revenue Next Year-42.79%
Revenue Next 2Y-33.1%
Revenue Next 3Y-15.04%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-49.74%
FCF growth 3Y3.78%
FCF growth 5Y5.79%
OCF growth 1Y-49.08%
OCF growth 3Y2.95%
OCF growth 5Y5.55%
LUTHER BURBANK CORP / LBC FAQ
Can you provide the ChartMill fundamental rating for LUTHER BURBANK CORP?
ChartMill assigns a fundamental rating of 3 / 10 to LBC.
What is the valuation status of LUTHER BURBANK CORP (LBC) stock?
ChartMill assigns a valuation rating of 2 / 10 to LUTHER BURBANK CORP (LBC). This can be considered as Overvalued.
Can you provide the profitability details for LUTHER BURBANK CORP?
LUTHER BURBANK CORP (LBC) has a profitability rating of 3 / 10.
What is the earnings growth outlook for LUTHER BURBANK CORP?
The Earnings per Share (EPS) of LUTHER BURBANK CORP (LBC) is expected to decline by -67.83% in the next year.
Can you provide the dividend sustainability for LBC stock?
The dividend rating of LUTHER BURBANK CORP (LBC) is 7 / 10 and the dividend payout ratio is 16.96%.