23.42 USD
-0.33 (-1.39%)
LMST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. LMST has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
LMST had positive earnings in each of the past 5 years.
LMST had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.23%, LMST is doing good in the industry, outperforming 71.40% of the companies in the same industry.
With a decent Return On Equity value of 13.48%, LMST is doing good in the industry, outperforming 68.84% of the companies in the same industry.
| 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 Profit Margin of 31.13%. This is in the better half of the industry: LMST outperforms 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.
The number of shares outstanding for LMST has been increased compared to 1 year ago.
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.
With a Debt to FCF ratio value of 1.88, LMST perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
LMST has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
LMST has a Debt to Equity ratio of 0.34. This is in the lower half of the industry: LMST underperforms 73.95% of its industry peers.
Although LMST does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| 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
The Earnings Per Share has grown by an impressive 22.45% over the past year.
The earnings per share for LMST have been decreasing by -17.41% on average. This is quite bad
LMST shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.05%.
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
The Earnings Per Share is expected to decrease by -1.78% on average over the next years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
LMST is valuated reasonably with a Price/Earnings ratio of 9.76.
Based on the Price/Earnings ratio, LMST is valued a bit more expensive than 73.72% of the companies in the same industry.
LMST is valuated cheaply when we compare the Price/Earnings ratio to 26.84, which is the current average of the S&P500 Index.
LMST is valuated reasonably with a Price/Forward Earnings ratio of 9.90.
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 23.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.76 | ||
| Fwd PE | 9.9 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as LMST.
| 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
With a yearly dividend of 0.85%, LMST is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, 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!
Compared to an average S&P500 Dividend Yield of 2.00, LMST's dividend is way lower than the S&P500 average.
| 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
LMST pays out 8.46% of its income as dividend. This is a 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
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%.