LEVEL ONE BANCORP INC (LEVL)
Common Stock
Taking everything into account, LEVL scores 2 out of 10 in our fundamental rating. LEVL was compared to 412 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.
1. Profitability
1.1 Basic Checks
In the past year LEVL was profitable.
In the past 5 years LEVL has always been profitable.
LEVL had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
| Industry Rank | Sector 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
1.3 Margins
LEVL 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) | 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
2. Health
2.1 Basic Checks
LEVL has more shares outstanding than it did 1 year ago.
The debt/assets ratio for LEVL has been reduced compared to a year ago.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
The Revenue has grown by 32.06% in the past year. This is a very strong growth!
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 growth Q2Q-16.67%
Revenue 1Y (TTM)32.06%
Revenue growth 3Y20.66%
Revenue growth 5Y13.55%
Revenue growth Q2Q-11.69%
3.2 Future
The Earnings Per Share is expected to decrease by -8.98% on average over the next years.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.11, which indicates a very decent valuation of LEVL.
When comparing the Price/Earnings ratio of LEVL to the average of the S&P500 Index (28.11), we can say LEVL is valued rather cheaply.
LEVL is valuated correctly with a Price/Forward Earnings ratio of 12.47.
LEVL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.39, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.11 | ||
| Fwd PE | 12.47 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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%
5. Dividend
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 2.40, LEVL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector 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
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%
LEVEL ONE BANCORP INC
NASDAQ:LEVL (3/31/2022, 7:00:03 PM)
After market: 39.93 0 (0%)39.93
-0.38 (-0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap311.05M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.11 | ||
| Fwd PE | 12.47 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.65% | ||
| ROE | 17.26% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 32.52% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)56.13%
EPS 3Y27.41%
EPS 5Y
EPS growth Q2Q
EPS Next Y-18.92%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)32.06%
Revenue growth 3Y20.66%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y