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LOGAN RIDGE FINANCE CORP (LRFC) Stock Fundamental Analysis

NASDAQ:LRFC - Nasdaq - US5410981097 - Common Stock - Currency: USD

19.08  +0.08 (+0.42%)

Fundamental Rating

3

Overall LRFC gets a fundamental rating of 3 out of 10. We evaluated LRFC against 236 industry peers in the Capital Markets industry. LRFC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. LRFC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year LRFC has reported negative net income.
In the past year LRFC had a positive cash flow from operations.
In the past 5 years LRFC always reported negative net income.
LRFC had a positive operating cash flow in 4 of the past 5 years.
LRFC Yearly Net Income VS EBIT VS OCF VS FCFLRFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M

1.2 Ratios

LRFC has a worse Return On Assets (-0.02%) than 73.73% of its industry peers.
LRFC has a worse Return On Equity (-0.04%) than 72.46% of its industry peers.
The Return On Invested Capital of LRFC (1.75%) is worse than 66.10% of its industry peers.
Industry RankSector Rank
ROA -0.02%
ROE -0.04%
ROIC 1.75%
ROA(3y)-2.29%
ROA(5y)-3.69%
ROE(3y)-5.16%
ROE(5y)-9.96%
ROIC(3y)N/A
ROIC(5y)N/A
LRFC Yearly ROA, ROE, ROICLRFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20 -30

1.3 Margins

LRFC's Operating Margin of 20.03% is in line compared to the rest of the industry. LRFC outperforms 41.10% of its industry peers.
In the last couple of years the Operating Margin of LRFC has declined.
Looking at the Gross Margin, with a value of 43.01%, LRFC is doing worse than 60.17% of the companies in the same industry.
In the last couple of years the Gross Margin of LRFC has grown nicely.
Industry RankSector Rank
OM 20.03%
PM (TTM) N/A
GM 43.01%
OM growth 3YN/A
OM growth 5Y-7.56%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y75.18%
GM growth 5Y1.65%
LRFC Yearly Profit, Operating, Gross MarginsLRFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

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5

2. Health

2.1 Basic Checks

LRFC has less shares outstanding than it did 1 year ago.
The number of shares outstanding for LRFC has been reduced compared to 5 years ago.
The debt/assets ratio for LRFC is higher compared to a year ago.
LRFC Yearly Shares OutstandingLRFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M
LRFC Yearly Total Debt VS Total AssetsLRFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

LRFC has an Altman-Z score of -0.19. This is a bad value and indicates that LRFC is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of LRFC (-0.19) is worse than 77.54% of its industry peers.
The Debt to FCF ratio of LRFC is 7.43, which is on the high side as it means it would take LRFC, 7.43 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 7.43, LRFC perfoms like the industry average, outperforming 57.63% of the companies in the same industry.
A Debt/Equity ratio of 1.22 is on the high side and indicates that LRFC has dependencies on debt financing.
The Debt to Equity ratio of LRFC (1.22) is worse than 60.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.22
Debt/FCF 7.43
Altman-Z -0.19
ROIC/WACCN/A
WACCN/A
LRFC Yearly LT Debt VS Equity VS FCFLRFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

2.3 Liquidity

A Current Ratio of 5.58 indicates that LRFC has no problem at all paying its short term obligations.
LRFC's Current ratio of 5.58 is amongst the best of the industry. LRFC outperforms 88.56% of its industry peers.
LRFC has a Quick Ratio of 5.58. This indicates that LRFC is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 5.58, LRFC belongs to the top of the industry, outperforming 88.56% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 5.58
Quick Ratio 5.58
LRFC Yearly Current Assets VS Current LiabilitesLRFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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0

3. Growth

3.1 Past

LRFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -340.71%.
Looking at the last year, LRFC shows a small growth in Revenue. The Revenue has grown by 3.14% in the last year.
Measured over the past years, LRFC shows a very negative growth in Revenue. The Revenue has been decreasing by -13.84% on average per year.
EPS 1Y (TTM)-340.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-410.77%
Revenue 1Y (TTM)3.14%
Revenue growth 3Y7.68%
Revenue growth 5Y-13.84%
Sales Q2Q%-7.44%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-1878.8%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.39%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
LRFC Yearly Revenue VS EstimatesLRFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
LRFC Yearly EPS VS EstimatesLRFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for LRFC. In the last year negative earnings were reported.
Also next year LRFC is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
LRFC Price Earnings VS Forward Price EarningsLRFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of LRFC indicates a rather cheap valuation: LRFC is cheaper than 85.17% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.63
EV/EBITDA N/A
LRFC Per share dataLRFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

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

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.39%, LRFC is a good candidate for dividend investing.
LRFC's Dividend Yield is a higher than the industry average which is at 8.23.
Compared to an average S&P500 Dividend Yield of 2.32, LRFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.39%

5.2 History

The dividend of LRFC decreases each year by -24.64%.
LRFC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-24.64%
Div Incr Years0
Div Non Decr Years0
LRFC Yearly Dividends per shareLRFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2023 2024 2025 2 4 6 8 10

5.3 Sustainability

The earnings of LRFC are negative and hence is the payout ratio. LRFC will probably not be able to sustain this dividend level.
The Dividend Rate of LRFC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-11900%
EPS Next 2YN/A
EPS Next 3YN/A
LRFC Yearly Income VS Free CF VS DividendLRFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M

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LOGAN RIDGE FINANCE CORP

NASDAQ:LRFC (7/14/2025, 8:00:01 PM)

19.08

+0.08 (+0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-12 2025-08-12/amc
Inst Owners30.24%
Inst Owner Change-1.46%
Ins Owners10.38%
Ins Owner Change-47.56%
Market Cap50.75M
Analysts85.71
Price Target24.48 (28.3%)
Short Float %0.04%
Short Ratio0.08
Dividend
Industry RankSector Rank
Dividend Yield 7.39%
Yearly Dividend1.34
Dividend Growth(5Y)-24.64%
DP-11900%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-19 2025-05-19 (0.36)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-161.46%
Min EPS beat(2)-236.17%
Max EPS beat(2)-86.75%
EPS beat(4)1
Avg EPS beat(4)-103.98%
Min EPS beat(4)-236.17%
Max EPS beat(4)77.02%
EPS beat(8)3
Avg EPS beat(8)-68.99%
EPS beat(12)4
Avg EPS beat(12)-397.99%
EPS beat(16)4
Avg EPS beat(16)-967.4%
Revenue beat(2)1
Avg Revenue beat(2)2.37%
Min Revenue beat(2)-1.04%
Max Revenue beat(2)5.78%
Revenue beat(4)1
Avg Revenue beat(4)-1.27%
Min Revenue beat(4)-5.99%
Max Revenue beat(4)5.78%
Revenue beat(8)2
Avg Revenue beat(8)-2.17%
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)-11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-166.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.92%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 2.43
P/FCF 3.63
P/OCF 3.63
P/B 0.6
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)-2.72
EYN/A
EPS(NY)-0.99
Fwd EYN/A
FCF(TTM)5.26
FCFY27.58%
OCF(TTM)5.26
OCFY27.58%
SpS7.86
BVpS31.95
TBVpS31.95
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.02%
ROE -0.04%
ROCE 2.21%
ROIC 1.75%
ROICexc 1.9%
ROICexgc 1.9%
OM 20.03%
PM (TTM) N/A
GM 43.01%
FCFM 66.93%
ROA(3y)-2.29%
ROA(5y)-3.69%
ROE(3y)-5.16%
ROE(5y)-9.96%
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
ROICexcg growth 3YN/A
ROICexcg growth 5Y-7.98%
ROICexc growth 3YN/A
ROICexc growth 5Y-8.01%
OM growth 3YN/A
OM growth 5Y-7.56%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y75.18%
GM growth 5Y1.65%
F-Score7
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 1.22
Debt/FCF 7.43
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.55
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.58
Quick Ratio 5.58
Altman-Z -0.19
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-340.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-410.77%
EPS Next Y-1878.8%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.14%
Revenue growth 3Y7.68%
Revenue growth 5Y-13.84%
Sales Q2Q%-7.44%
Revenue Next Year-4.39%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y9.09%
EBIT growth 3YN/A
EBIT growth 5Y-20.35%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17.65%
FCF growth 3Y-44.58%
FCF growth 5Y-26.35%
OCF growth 1Y-17.65%
OCF growth 3Y-44.58%
OCF growth 5Y-26.35%