9.15 USD
+0.05 (+0.55%)
9.15 USD
0 (0%)
We assign a fundamental rating of 2 out of 10 to LBC. LBC was compared to 383 industry peers in the Banks industry. LBC may be in some trouble as it scores bad on both profitability and health. LBC is valued expensive and it does not seem to be growing. Finally LBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- LBC had positive earnings in the past year.
- In the past year LBC had a positive cash flow from operations.
1.2 Ratios
- LBC has a Return On Assets of 0.44%. This is amonst the worse of the industry: LBC underperforms 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.
- LBC's Profit Margin has declined in the last couple of years.
- LBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- Compared to 1 year ago, LBC has less shares outstanding
- The debt/assets ratio for LBC has been reduced compared to a year ago.
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.
- A Debt/Equity ratio of 0.23 indicates that LBC is not too dependend on debt financing.
- LBC's Debt to Equity ratio of 0.23 is in line compared 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.
- Measured over the past 5 years, LBC shows a small growth in Earnings Per Share. The EPS has been growing by 4.01% on average per year.
- LBC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -33.38%.
- LBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.62% yearly.
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
- LBC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -28.01% yearly.
- Based on estimates for the next years, LBC will show a very negative growth in Revenue. The Revenue will decrease by -15.04% on average per year.
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
- A Price/Earnings ratio of 12.89 indicates a correct valuation of LBC.
- 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.
- When comparing the Price/Earnings ratio of LBC to the average of the S&P500 Index (26.94), we can say LBC is valued rather cheaply.
- LBC is valuated quite expensively with a Price/Forward Earnings ratio of 37.75.
- Based on the Price/Forward Earnings ratio, LBC is valued a bit more expensive than the industry average as 78.85% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.94, LBC is valued quite expensively.
| 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
- LBC's earnings are expected to decrease with -28.01% in the coming years. This may justify a cheaper valuation.
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 2.85, LBC pays a better dividend. On top of this LBC pays more dividend than 87.50% of the companies listed in the same industry.
- LBC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| 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
- 16.96% of the earnings are spent on dividend by LBC. This is a low number and 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)01-24 2024-01-24/amc
Earnings (Next)04-23 2024-04-23/amc
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 for 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 financial health of LUTHER BURBANK CORP (LBC) stock?
The financial health rating of LUTHER BURBANK CORP (LBC) is 3 / 10.
How sustainable is the dividend of LUTHER BURBANK CORP (LBC) stock?
The dividend rating of LUTHER BURBANK CORP (LBC) is 7 / 10 and the dividend payout ratio is 16.96%.