LEVEL ONE BANCORP INC (LEVL) Fundamental Analysis & Valuation

NASDAQ:LEVL

Current stock price

39.93
-0.38 (-0.94%)
At close:
39.93
0 (0%)
After Hours:

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

0

1. LEVL Profitability Analysis

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 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 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

  • The Operating Margin and Gross Margin are not available for LEVL so they could not be analyzed.
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 2016 2017 2018 2019 2020 2021 10 20 30

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1

2. LEVL Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, LEVL has more shares outstanding
  • LEVL has a better debt/assets ratio than last year.
LEVL Yearly Shares OutstandingLEVL Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • A Debt/Equity ratio of 0.13 indicates that LEVL is not too dependend on debt financing.
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 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. LEVL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 56.13% over the past year.
  • LEVL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.08% yearly.
  • The Revenue has grown by 32.06% in the past year. This is a very strong growth!
  • Measured over the past years, LEVL shows a quite strong growth in Revenue. The Revenue has been growing by 13.55% on average per year.
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

  • LEVL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -8.98% yearly.
  • 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

  • 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.
LEVL Yearly Revenue VS EstimatesLEVL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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. LEVL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.11, the valuation of LEVL can be described as very reasonable.
  • The average S&P500 Price/Earnings ratio is at 25.73. LEVL is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 12.47, the valuation of LEVL can be described as correct.
  • The average S&P500 Price/Forward Earnings ratio is at 23.72. LEVL is valued slightly cheaper when compared to this.
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 5 10 15 20 25

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

3

5. LEVL Dividend Analysis

5.1 Amount

  • LEVL has a yearly dividend return of 0.68%, which is pretty low.
  • Compared to an average S&P500 Dividend Yield of 1.91, LEVL's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.68%

5.2 History

  • On average, the dividend of LEVL grows each year by 38.67%, which is quite nice.
  • 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

  • LEVL pays out 8.76% of its income as dividend. This is a 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 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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LEVL Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)04-29
Inst Owners0.03%
Inst Owner Change0%
Ins Owners0.07%
Ins Owner Change0%
Market Cap311.05M
Revenue(TTM)127.41M
Net Income(TTM)41.44M
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
Graham NumberN/A
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
ROICexgc growth 3Y0%
ROICexgc 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

LEVEL ONE BANCORP INC / LEVL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of LEVEL ONE BANCORP INC (LEVL) stock?

ChartMill assigns a fundamental rating of 4 / 10 to LEVL.


What is the valuation status for LEVL stock?

ChartMill assigns a valuation rating of 6 / 10 to LEVEL ONE BANCORP INC (LEVL). This can be considered as Fairly Valued.


Can you provide the profitability details for LEVEL ONE BANCORP INC?

LEVEL ONE BANCORP INC (LEVL) has a profitability rating of 6 / 10.


What is the earnings growth outlook for LEVEL ONE BANCORP INC?

The Earnings per Share (EPS) of LEVEL ONE BANCORP INC (LEVL) is expected to decline by -18.92% in the next year.


How sustainable is the dividend of LEVEL ONE BANCORP INC (LEVL) stock?

The dividend rating of LEVEL ONE BANCORP INC (LEVL) is 3 / 10 and the dividend payout ratio is 8.76%.