LUTHER BURBANK CORP (LBC) Fundamental Analysis & Valuation

NASDAQ:LBC • US5505501073

Current stock price

9.15 USD
+0.05 (+0.55%)
At close:
9.15 USD
0 (0%)
After Hours:

This LBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. LBC Profitability Analysis

1.1 Basic Checks

  • LBC had positive earnings in the past year.
  • In the past year LBC had a positive cash flow from operations.
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 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M

1.2 Ratios

  • LBC's Return On Assets of 0.44% is on the low side compared to the rest of the industry. LBC is outperformed by 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 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 2016 2017 2018 2019 2020 2021 2022 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 29.17%, LBC is in the better half of 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 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 2016 2017 2018 2019 2020 2021 2022 10 20 30 40 50

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3

2. LBC Health Analysis

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 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 2016 2017 2018 2019 2020 2021 2022 2B 4B 6B

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 (3.20) which is in line with 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 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 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 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. LBC Growth Analysis

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

  • The Earnings Per Share is expected to decrease by -28.01% on average over the next years. This is quite bad
  • 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 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. LBC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.89, LBC is valued correctly.
  • Based on the Price/Earnings ratio, LBC is valued a bit more expensive than 77.64% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.15, LBC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 37.75, LBC can be considered very expensive at the moment.
  • 78.85% of the companies in the same industry are cheaper than LBC, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of LBC to the average of the S&P500 Index (22.12), we can say LBC is valued expensively.
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of LBC is on the same level as its industry peers.
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%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. LBC Dividend Analysis

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 2.53, 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 1.82, LBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.42%

5.2 History

  • On average, the dividend of LBC grows each year by 27.79%, which is quite nice.
  • 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

  • 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%
LBC Yearly Income VS Free CF VS DividendLBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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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LBC Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)04-23
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 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
Graham Number0 (-100%)
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
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 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%

LUTHER BURBANK CORP / LBC Fundamental Analysis 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.


What is the profitability of LBC stock?

LUTHER BURBANK CORP (LBC) has a profitability rating of 3 / 10.


Can you provide the financial health for LBC stock?

The financial health rating of LUTHER BURBANK CORP (LBC) is 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.