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LUTHER BURBANK CORP (LBC) Stock Fundamental Analysis

NASDAQ:LBC - Nasdaq - US5505501073 - Common Stock - Currency: USD

9.15  +0.05 (+0.55%)

After market: 9.15 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to LBC. LBC was compared to 394 industry peers in the Banks industry. LBC may be in some trouble as it scores bad on both profitability and health. LBC has a expensive valuation and it also scores bad on growth. Finally LBC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year LBC was profitable.
In the past year LBC had a positive cash flow from operations.
In the past 5 years LBC has always been profitable.
Each year in the past 5 years LBC had a positive operating cash flow.
LBC Yearly Net Income VS EBIT VS OCF VS FCFLBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.44%, LBC is doing worse than 85.82% of the companies in the same industry.
With a Return On Equity value of 5.17%, LBC is not doing good in the industry: 85.10% of the companies in the same industry are doing better.
Industry RankSector 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
LBC Yearly ROA, ROE, ROICLBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2 4 6 8 10

1.3 Margins

The Profit Margin of LBC (29.17%) is better than 67.79% of its industry peers.
In the last couple of years the Profit Margin of LBC has declined.
LBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
LBC Yearly Profit, Operating, Gross MarginsLBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 10 20 30 40 50

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3

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.
LBC Yearly Shares OutstandingLBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M
LBC Yearly Total Debt VS Total AssetsLBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of LBC is 3.20, which is a good value as it means it would take LBC, 3.20 years of fcf income to pay off all of its debts.
LBC's Debt to FCF ratio of 3.20 is in line compared 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.
The Debt to Equity ratio of LBC (0.23) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 3.2
Altman-Z N/A
ROIC/WACCN/A
WACC8.09%
LBC Yearly LT Debt VS Equity VS FCFLBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LBC Yearly Current Assets VS Current LiabilitesLBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

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2

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.
Looking at the last year, LBC shows a very negative growth in Revenue. The Revenue has decreased by -33.38% in the last year.
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.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
LBC Yearly Revenue VS EstimatesLBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
LBC Yearly EPS VS EstimatesLBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.89 indicates a correct valuation of LBC.
Compared to the rest of the industry, the Price/Earnings ratio of LBC indicates a slightly more expensive valuation: LBC is more expensive than 77.64% of the companies listed in the same industry.
LBC is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 37.75, which means the current valuation is very expensive for LBC.
78.85% of the companies in the same industry are cheaper than LBC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, LBC is valued at the same level.
Industry RankSector Rank
PE 12.89
Fwd PE 37.75
LBC Price Earnings VS Forward Price EarningsLBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as LBC.
Industry RankSector Rank
P/FCF 9.55
EV/EBITDA N/A
LBC Per share dataLBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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%

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7

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 3.31, 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 2.35, LBC pays a better dividend.
Industry RankSector 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
LBC Yearly Dividends per shareLBC Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 0.1 0.2 0.3 0.4

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%
LBC Yearly Income VS Free CF VS DividendLBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M
LBC Dividend Payout.LBC Dividend Payout, showing the Payout Ratio.LBC Dividend Payout.PayoutRetained Earnings

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LUTHER BURBANK CORP

NASDAQ:LBC (2/29/2024, 8:00:03 PM)

After market: 9.15 0 (0%)

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
Analysts80
Price Target12.75 (39.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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%