LIMESTONE BANCORP INC (LMST) Stock Fundamental Analysis

NASDAQ:LMST • US53262L1052

23.42 USD
-0.33 (-1.39%)
Last: Apr 28, 2023, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall LMST gets a fundamental rating of 3 out of 10. We evaluated LMST against 381 industry peers in the Banks industry. Both the profitability and financial health of LMST have multiple concerns. LMST is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year LMST was profitable.
  • In the past year LMST had a positive cash flow from operations.
LMST Yearly Net Income VS EBIT VS OCF VS FCFLMST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 0 10M 20M 30M

1.2 Ratios

  • The Return On Assets of LMST (1.23%) is better than 71.40% of its industry peers.
  • LMST's Return On Equity of 13.48% is fine compared to the rest of the industry. LMST outperforms 68.84% of its industry peers.
Industry RankSector 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
LMST Yearly ROA, ROE, ROICLMST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 0 10 20 30 40 50

1.3 Margins

  • The Profit Margin of LMST (31.13%) is better than 65.35% of its industry peers.
  • LMST's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for LMST so they could not be analyzed.
Industry RankSector 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
LMST Yearly Profit, Operating, Gross MarginsLMST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 0 20 40 60 80 100

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
LMST Yearly Shares OutstandingLMST Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M
LMST Yearly Total Debt VS Total AssetsLMST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 500M 1B

2.2 Solvency

  • The Debt to FCF ratio of LMST is 1.88, which is an excellent value as it means it would take LMST, only 1.88 years of fcf income to pay off all of its debts.
  • LMST's Debt to FCF ratio of 1.88 is in line compared to the rest of the industry. LMST outperforms 60.00% of its industry peers.
  • LMST has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
  • LMST's Debt to Equity ratio of 0.34 is on the low side compared to the rest of the industry. LMST is outperformed by 73.95% of its industry peers.
  • 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 RankSector Rank
Debt/Equity 0.34
Debt/FCF 1.88
Altman-Z N/A
ROIC/WACCN/A
WACC7.55%
LMST Yearly LT Debt VS Equity VS FCFLMST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LMST Yearly Current Assets VS Current LiabilitesLMST Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • The earnings per share for LMST have been decreasing by -17.41% on average. This is quite bad
  • Looking at the last year, LMST shows a quite strong growth in Revenue. The Revenue has grown by 10.05% in the last year.
  • Measured over the past years, LMST shows a quite strong growth in Revenue. The Revenue has been growing by 9.68% on average per year.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
LMST Yearly Revenue VS EstimatesLMST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
LMST Yearly EPS VS EstimatesLMST Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.76, the valuation of LMST can be described as very reasonable.
  • 73.72% of the companies in the same industry are cheaper than LMST, based on the Price/Earnings ratio.
  • LMST is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.90, which indicates a very decent 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 is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.76
Fwd PE 9.9
LMST Price Earnings VS Forward Price EarningsLMST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • LMST's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 7.32
EV/EBITDA N/A
LMST Per share dataLMST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.78%
EPS Next 3YN/A

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

1

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.85%, LMST is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.78, 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 1.84.
Industry RankSector 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
LMST Yearly Dividends per shareLMST Yearly Dividends per shareYearly Dividends per share 2022 2023 0.05 0.1 0.15

5.3 Sustainability

  • 8.46% of the earnings are spent on dividend by LMST. This is a low number and sustainable payout ratio.
  • The Dividend Rate of LMST has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP8.46%
EPS Next 2Y-1.78%
EPS Next 3YN/A
LMST Yearly Income VS Free CF VS DividendLMST Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 0 10M 20M 30M
LMST Dividend Payout.LMST Dividend Payout, showing the Payout Ratio.LMST Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

LIMESTONE BANCORP INC

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)04-19
Earnings (Next)07-18
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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.


Can you provide the valuation status for LIMESTONE BANCORP INC?

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.


What is the financial health of LIMESTONE BANCORP INC (LMST) stock?

The financial health rating of LIMESTONE BANCORP INC (LMST) is 1 / 10.


What is the expected EPS growth for LIMESTONE BANCORP INC (LMST) stock?

The Earnings per Share (EPS) of LIMESTONE BANCORP INC (LMST) is expected to decline by -1.4% in the next year.