LIMESTONE BANCORP INC (LMST) Stock Fundamental Analysis
USA - NASDAQ:LMST - US53262L1052 - Common Stock
23.42 USD
-0.33 (-1.39%)
LMST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 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 valied quite expensively at the moment, while 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.
In the past 5 years LMST always reported a positive cash flow from operatings.
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.
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 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
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 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.
LMST has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, LMST has an improved debt to assets ratio.
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.
The Debt to FCF ratio of LMST (1.88) is comparable to the rest of the industry.
LMST has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.34, LMST is doing worse than 73.95% of the companies in the same industry.
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
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.
LMST shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -17.41% yearly.
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
LMST is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.78% yearly.
LMST is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.22% yearly.
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
Based on the Price/Earnings ratio of 9.76, the valuation of LMST can be described as reasonable.
LMST's Price/Earnings ratio is a bit more expensive when compared to the industry. LMST is more expensive than 73.72% of the companies in the same industry.
LMST is valuated cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.90 indicates a reasonable valuation of LMST.
LMST's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. LMST is more expensive than 66.05% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of LMST to the average of the S&P500 Index (32.68), we can say LMST is valued rather cheaply.
| 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.
With a Dividend Yield of 0.85, LMST pays less dividend than the industry average, which is at 3.38. 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 2.37.
| 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%.