23.42 USD
-0.33 (-1.39%)
LMST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. While LMST is still in line with the averages on profitability rating, there are concerns on its financial health. LMST is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year LMST was profitable.
LMST had a positive operating cash flow in the past year.
Each year in the past 5 years LMST has been profitable.
Each year in the past 5 years LMST had a positive operating cash flow.
1.2 Ratios
LMST's Return On Assets of 1.23% is fine compared to the rest of the industry. LMST outperforms 71.40% of its industry peers.
LMST has a Return On Equity of 13.48%. This is in the better half of the industry: LMST outperforms 68.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 13.48% | ||
| 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
LMST has a better Profit Margin (31.13%) than 65.35% of its industry peers.
LMST's Profit Margin has declined in the last couple of years.
LMST 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) | 31.13% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.26%
PM growth 5Y-21.23%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
LMST does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, LMST has more shares outstanding
Compared to 1 year ago, LMST has an improved debt to assets ratio.
2.2 Solvency
LMST has a debt to FCF ratio of 1.88. This is a very positive value and a sign of high solvency as it would only need 1.88 years to pay back of all of its debts.
LMST has a Debt to FCF ratio (1.88) which is in line with its industry peers.
A Debt/Equity ratio of 0.34 indicates that LMST is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.34, LMST is not doing good in the industry: 73.95% of the companies in the same industry are doing better.
Even though the debt/equity ratio score it not favorable for LMST, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 1.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
LMST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.45%, which is quite impressive.
Measured over the past years, LMST shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -17.41% on average per year.
The Revenue has grown by 10.05% in the past year. This is quite good.
The Revenue has been growing by 9.68% on average over the past years. This is quite good.
EPS 1Y (TTM)22.45%
EPS 3Y18.8%
EPS 5Y-17.41%
EPS Q2Q%42.22%
Revenue 1Y (TTM)10.05%
Revenue growth 3Y11.98%
Revenue growth 5Y9.68%
Sales Q2Q%19.53%
3.2 Future
LMST is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.78% yearly.
The Revenue is expected to grow by 4.22% on average over the next years.
EPS Next Y-1.4%
EPS Next 2Y-1.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.9%
Revenue Next 2Y4.22%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 9.76, which indicates a very decent valuation of LMST.
Compared to the rest of the industry, the Price/Earnings ratio of LMST indicates a slightly more expensive valuation: LMST is more expensive than 73.72% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. LMST is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.90 indicates a reasonable valuation of LMST.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LMST indicates a slightly more expensive valuation: LMST is more expensive than 66.05% of the companies listed in the same industry.
LMST's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.56.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.76 | ||
| Fwd PE | 9.9 |
4.2 Price Multiples
LMST's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.78%
EPS Next 3YN/A
5. Dividend
5.1 Amount
LMST has a yearly dividend return of 0.85%, which is pretty low.
Compared to an average industry Dividend Yield of 3.15, LMST's dividend is way lower than its industry peers. On top of this 84.19% of the companies listed in the same industry pay a better dividend than LMST!
With a Dividend Yield of 0.85, LMST pays less dividend than the S&P500 average, which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
5.2 History
The dividend of LMST decreases each year by -47.10%.
LMST does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-47.1%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
8.46% of the earnings are spent on dividend by LMST. This is a low number and sustainable payout ratio.
LMST's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP8.46%
EPS Next 2Y-1.78%
EPS Next 3YN/A
NASDAQ:LMST (4/28/2023, 8:00:00 PM)
23.42
-0.33 (-1.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners0.13%
Inst Owner Change0%
Ins Owners1.62%
Ins Owner Change0%
Market Cap178.68M
Revenue(TTM)57.95M
Net Income(TTM)18.04M
Analysts43.33
Price Target28.56 (21.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
Yearly Dividend0.2
Dividend Growth(5Y)-47.1%
DP8.46%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)17.53%
Min EPS beat(2)-0.4%
Max EPS beat(2)35.47%
EPS beat(4)3
Avg EPS beat(4)15.65%
Min EPS beat(4)-0.4%
Max EPS beat(4)35.47%
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)1
Avg Revenue beat(2)-1.25%
Min Revenue beat(2)-4.86%
Max Revenue beat(2)2.37%
Revenue beat(4)3
Avg Revenue beat(4)0.82%
Min Revenue beat(4)-4.86%
Max Revenue beat(4)5.1%
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)0%
PT rev (3m)12%
EPS NQ rev (1m)4.27%
EPS NQ rev (3m)7.02%
EPS NY rev (1m)0.87%
EPS NY rev (3m)1.09%
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 | 9.76 | ||
| Fwd PE | 9.9 | ||
| P/S | 3.08 | ||
| P/FCF | 7.32 | ||
| P/OCF | 7.12 | ||
| P/B | 1.33 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.4
EY10.25%
EPS(NY)2.37
Fwd EY10.1%
FCF(TTM)3.2
FCFY13.66%
OCF(TTM)3.29
OCFY14.04%
SpS7.6
BVpS17.55
TBVpS16.5
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 13.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.13% | ||
| 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 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.26%
PM growth 5Y-21.23%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 1.88 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 36.68% | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.29% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.55%
ROIC/WACCN/A
Cap/Depr(3y)31.08%
Cap/Depr(5y)56.12%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)168%
Profit Quality(5y)150.16%
High Growth Momentum
Growth
EPS 1Y (TTM)22.45%
EPS 3Y18.8%
EPS 5Y-17.41%
EPS Q2Q%42.22%
EPS Next Y-1.4%
EPS Next 2Y-1.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.05%
Revenue growth 3Y11.98%
Revenue growth 5Y9.68%
Sales Q2Q%19.53%
Revenue Next Year6.9%
Revenue Next 2Y4.22%
Revenue Next 3YN/A
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 1Y16.11%
FCF growth 3Y27.05%
FCF growth 5Y69.78%
OCF growth 1Y12.58%
OCF growth 3Y23.82%
OCF growth 5Y65.68%
LIMESTONE BANCORP INC / LMST FAQ
What is the ChartMill fundamental rating of LIMESTONE BANCORP INC (LMST) stock?
ChartMill assigns a fundamental rating of 3 / 10 to LMST.
What is the valuation status for LMST stock?
ChartMill assigns a valuation rating of 3 / 10 to LIMESTONE BANCORP INC (LMST). This can be considered as Overvalued.
Can you provide the profitability details for LIMESTONE BANCORP INC?
LIMESTONE BANCORP INC (LMST) has a profitability rating of 5 / 10.
How financially healthy is LIMESTONE BANCORP INC?
The financial health rating of LIMESTONE BANCORP INC (LMST) is 1 / 10.
Can you provide the dividend sustainability for LMST stock?
The dividend rating of LIMESTONE BANCORP INC (LMST) is 3 / 10 and the dividend payout ratio is 8.46%.