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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

We assign a fundamental rating of 2 out of 10 to LEVL. LEVL was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of LEVL have multiple concerns. 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
LEVL has a better debt/assets ratio than last year.
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

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 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.
LEVL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.08% yearly.
LEVL shows a strong growth in Revenue. In the last year, the Revenue has grown by 32.06%.
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

Based on estimates for the next years, LEVL will show a decrease in Earnings Per Share. The EPS will decrease by -8.98% on average per year.
LEVL is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.58% yearly.
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 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

LEVL is valuated reasonably with a Price/Earnings ratio of 10.11.
LEVL is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 12.47, the valuation of LEVL can be described as correct.
When comparing the Price/Forward Earnings ratio of LEVL to the average of the S&P500 Index (22.13), we can say LEVL is valued slightly cheaper.
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

A cheap valuation may be justified as LEVL's earnings are expected to decrease with -8.81% in the coming years.
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.
Compared to an average S&P500 Dividend Yield of 2.40, LEVL's dividend is way lower than the S&P500 average.
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

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 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