LBC Fundamental Analysis - LUTHER BURBANK CORP

Fundamental Rating

LBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 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. LBC also has an excellent dividend rating.

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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.

Each year in the past 5 years LBC had a positive operating cash flow.

1.2 Ratios

With a Return On Assets value of 0.44%, LBC is not doing good in the industry: 85.82% of the companies in the same industry are doing better.

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

LBC has a better Profit Margin (29.17%) 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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

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 has a Debt to FCF ratio (3.20) which is comparable to the rest of the industry.

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

LBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -59.43%.

LBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.01% yearly.

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

The Revenue has been growing by 8.62% on average over the past years. This is quite good.

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

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.89, which 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.

Compared to an average S&P500 Price/Earnings ratio of 27.08, LBC is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 37.75, the valuation of LBC can be described as expensive.

LBC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. LBC is more expensive than 78.85% of the companies in the same industry.

LBC's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.67.

		Industry Rank	Sector Rank
PE	12.89
Fwd PE	37.75

4.2 Price Multiples

LBC's Price/Free Cash Flow ratio is in line with 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%

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5. Dividend

5.1 Amount

LBC has a Yearly Dividend Yield of 5.42%, which is a nice return.

LBC's Dividend Yield is rather good when compared to the industry average which is at 3.30. LBC pays more dividend than 87.50% of the companies in the same industry.

LBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector 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

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%

More info and screens

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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 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

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

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 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens