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LEVEL ONE BANCORP INC (LEVL) Stock Fundamental Analysis

NASDAQ:LEVL - Nasdaq - Common Stock

39.93  -0.38 (-0.94%)

After market: 39.93 0 (0%)

Fundamental Rating

2

Overall LEVL gets a fundamental rating of 2 out of 10. We evaluated LEVL against 393 industry peers in the Banks industry. LEVL has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, LEVL is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year LEVL was profitable.
LEVL Yearly Net Income VS EBIT VS OCF VS FCFLEVL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 20M 40M

1.2 Ratios

Industry RankSector Rank
ROA 1.65%
ROE 17.26%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
LEVL Yearly ROA, ROE, ROICLEVL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 5 10

1.3 Margins

LEVL 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) 32.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
LEVL Yearly Profit, Operating, Gross MarginsLEVL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 10 20 30

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1

2. Health

2.1 Basic Checks

Compared to 1 year ago, LEVL has more shares outstanding
Compared to 1 year ago, LEVL has an improved debt to assets ratio.
LEVL Yearly Shares OutstandingLEVL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2M 4M 6M
LEVL Yearly Total Debt VS Total AssetsLEVL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 500M 1B 1.5B 2B 2.5B

2.2 Solvency

LEVL has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
LEVL Yearly LT Debt VS Equity VS FCFLEVL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. Growth

3.1 Past

LEVL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.13%, which is quite impressive.
The Earnings Per Share has been growing by 23.08% on average over the past years. This is a very strong growth
LEVL shows a strong growth in Revenue. In the last year, the Revenue has grown by 32.06%.
The Revenue has been growing by 13.55% on average over the past years. This is quite good.
EPS 1Y (TTM)56.13%
EPS 3Y27.41%
EPS 5Y23.08%
EPS Q2Q%-16.67%
Revenue 1Y (TTM)32.06%
Revenue growth 3Y20.66%
Revenue growth 5Y13.55%
Sales Q2Q%-11.69%

3.2 Future

The Earnings Per Share is expected to decrease by -8.98% on average over the next years.
The Revenue is expected to decrease by -1.58% on average over the next years.
EPS Next Y-18.92%
EPS Next 2Y-7.55%
EPS Next 3Y-8.81%
EPS Next 5Y-8.98%
Revenue Next Year-7.9%
Revenue Next 2Y-1.21%
Revenue Next 3Y-1.78%
Revenue Next 5Y-1.58%

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.
LEVL Yearly Revenue VS EstimatesLEVL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
LEVL Yearly EPS VS EstimatesLEVL Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.11, which indicates a very decent valuation of LEVL.
Compared to an average S&P500 Price/Earnings ratio of 27.91, LEVL is valued rather cheaply.
With a Price/Forward Earnings ratio of 12.47, LEVL is valued correctly.
When comparing the Price/Forward Earnings ratio of LEVL to the average of the S&P500 Index (37.11), we can say LEVL is valued rather cheaply.
Industry RankSector Rank
PE 10.11
Fwd PE 12.47
LEVL Price Earnings VS Forward Price EarningsLEVL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LEVL Per share dataLEVL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

LEVL's earnings are expected to decrease with -8.81% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.44
EPS Next 2Y-7.55%
EPS Next 3Y-8.81%

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3

5. Dividend

5.1 Amount

With a yearly dividend of 0.68%, LEVL is not a good candidate for dividend investing.
With a Dividend Yield of 0.68, LEVL pays less dividend than the S&P500 average, which is at 2.32.
Industry RankSector Rank
Dividend Yield 0.68%

5.2 History

The dividend of LEVL is nicely growing with an annual growth rate of 38.67%!
LEVL has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)38.67%
Div Incr YearsN/A
Div Non Decr YearsN/A
LEVL Yearly Dividends per shareLEVL Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 0.05 0.1 0.15 0.2

5.3 Sustainability

8.76% of the earnings are spent on dividend by LEVL. This is a low number and sustainable payout ratio.
DP8.76%
EPS Next 2Y-7.55%
EPS Next 3Y-8.81%
LEVL Yearly Income VS Free CF VS DividendLEVL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 0 20M 40M
LEVL Dividend Payout.LEVL Dividend Payout, showing the Payout Ratio.LEVL Dividend Payout.PayoutRetained Earnings

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LEVEL ONE BANCORP INC

NASDAQ:LEVL (3/31/2022, 8:00:03 PM)

After market: 39.93 0 (0%)

39.93

-0.38 (-0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2022-01-28/amc
Earnings (Next)04-29 2022-04-29/bmo
Inst Owners0.03%
Inst Owner Change0%
Ins Owners0.07%
Ins Owner Change0%
Market Cap311.05M
Analysts80
Price Target44.2 (10.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.68%
Yearly Dividend0.24
Dividend Growth(5Y)38.67%
DP8.76%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.11
Fwd PE 12.47
P/S 2.44
P/FCF N/A
P/OCF N/A
P/B 1.3
P/tB N/A
EV/EBITDA N/A
EPS(TTM)3.95
EY9.89%
EPS(NY)3.2
Fwd EY8.02%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS16.36
BVpS30.82
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.44
Profitability
Industry RankSector Rank
ROA 1.65%
ROE 17.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.52%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)56.13%
EPS 3Y27.41%
EPS 5Y23.08%
EPS Q2Q%-16.67%
EPS Next Y-18.92%
EPS Next 2Y-7.55%
EPS Next 3Y-8.81%
EPS Next 5Y-8.98%
Revenue 1Y (TTM)32.06%
Revenue growth 3Y20.66%
Revenue growth 5Y13.55%
Sales Q2Q%-11.69%
Revenue Next Year-7.9%
Revenue Next 2Y-1.21%
Revenue Next 3Y-1.78%
Revenue Next 5Y-1.58%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A