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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 4.4 | 0.3 | -5.6 |
| EBITDA Growth (%) | 0 | 0 | 4.2 |
| Free Cash Flow Growth (%) | 3.2 | 9.1 | -12.2 |
| Book Value Growth (%) | 4.2 | 4.7 | 5.9 |
See this page for the explanation of the data and charts
* All numbers are in millions except for per share data
| Per Share Data | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Revenue per Share ($) | 3.23 |
3.17 |
3.24 |
3.17 |
3.51 |
4.09 |
4.30 |
4.51 |
4.33 |
4.13 |
4.06 |
1.05 |
1.06 |
1.02 |
1.00 |
0.98 |
| EBITDA per Share | 1.57 |
1.36 |
1.50 |
1.17 |
1.24 |
1.03 |
-0.34 |
1.27 |
1.20 |
1.26 |
1.25 |
0.29 |
0.33 |
0.32 |
0.32 |
0.28 |
| Free Cashflow per Share | 1.25 |
1.25 |
1.25 |
1.07 |
1.05 |
1.41 |
0.75 |
2.06 |
1.74 |
1.43 |
1.37 |
0.44 |
0.30 |
0.37 |
0.33 |
0.37 |
| Earnings per Share ($) | 0.77 |
0.70 |
0.77 |
0.67 |
0.70 |
0.58 |
-0.33 |
0.57 |
0.66 |
0.76 |
0.77 |
0.16 |
0.20 |
0.20 |
0.20 |
0.17 |
| Dividends Per Share | 0.30 |
0.31 |
0.32 |
0.33 |
0.35 |
0.36 |
0.27 |
0.19 |
0.23 |
0.25 |
0.26 |
0.06 |
0.06 |
0.06 |
0.07 |
0.07 |
| Book Value per Share | 5.64 |
8.22 |
7.33 |
7.82 |
8.22 |
8.51 |
8.12 |
8.46 |
9.04 |
10.14 |
9.58 |
9.05 |
9.21 |
10.04 |
9.50 |
9.58 |
| Month End Stock Price | 12.85 |
13.75 |
12.26 |
12.87 |
10.51 |
10.21 |
5.80 |
9.95 |
8.21 |
10.18 |
9.85 |
9.85 |
10.52 |
10.35 |
10.18 |
9.85 |
| Ratios | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Return on Equity % | 13.60 |
8.50 |
10.50 |
8.50 |
8.50 |
6.90 |
-2.00 |
7.40 |
7.60 |
7.70 |
7.20 |
8.40 |
8.80 |
8.00 |
8.40 |
7.20 |
| Return on Assets % | 1.00 |
0.80 |
0.90 |
0.80 |
0.70 |
0.60 |
-0.20 |
0.70 |
0.70 |
0.70 |
0.80 |
0.80 |
0.80 |
0.80 |
0.80 |
0.80 |
| Debt to Equity | 0.81 |
0.51 |
0.53 |
0.74 |
1.18 |
1.31 |
0.83 |
1.05 |
0.89 |
0.18 |
0.18 |
0.88 |
0.90 |
0.62 |
0.18 |
0.18 |
| Operating Margin % | 35.00 |
32.20 |
35.20 |
30.20 |
29.00 |
21.10 |
-11.70 |
24.60 |
24.70 |
27.80 |
26.10 |
25.60 |
28.70 |
28.20 |
28.80 |
26.10 |
| Net Margin % | 23.80 |
22.00 |
23.90 |
21.00 |
19.90 |
14.30 |
-4.80 |
16.10 |
17.20 |
19.00 |
17.60 |
17.80 |
19.10 |
19.40 |
19.70 |
17.60 |
| Debt to Revenue | 1.41 |
1.32 |
1.20 |
1.84 |
2.76 |
2.71 |
1.99 |
2.29 |
2.01 |
0.45 |
1.78 |
7.58 |
7.80 |
6.09 |
1.74 |
1.78 |
| Interest Exp. to Revenue % | 79.86 |
82.11 |
82.84 |
82.47 |
79.39 |
83.42 |
83.20 |
83.81 |
84.32 |
83.48 |
82.58 |
85.51 |
83.27 |
83.60 |
81.63 |
82.58 |
| Asset Turnover | 0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
0.60 |
-0.30 |
-0.90 |
-0.70 |
-0.90 |
-1.50 |
-0.60 |
-456 |
429 |
-0.90 |
| Dividend Payout Ratio | 0.38 |
0.45 |
0.41 |
0.50 |
0.50 |
0.62 |
-- |
0.26 |
0.31 |
0.32 |
0.41 |
0.31 |
0.30 |
0.30 |
0.36 |
0.41 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 50.70 |
61.50 |
70.21 |
66.70 |
71.73 |
88.58 |
93.38 |
99.75 |
97.41 |
95.51 |
95.50 |
23.95 |
23.75 |
23.66 |
24.16 |
23.94 |
| Non Interest Income | 12.78 |
13.40 |
14.55 |
14.18 |
18.63 |
17.61 |
18.86 |
19.27 |
18.12 |
18.91 |
19.90 |
4.06 |
4.77 |
4.64 |
5.44 |
5.05 |
| Revenue | 63.48 |
74.90 |
84.75 |
80.88 |
90.36 |
106 |
112 |
119 |
116 |
114 |
115 |
28.00 |
28.52 |
28.30 |
29.60 |
28.99 |
| Selling, General, &Admin. Expense | 21.76 |
26.60 |
30.14 |
32.41 |
34.69 |
34.61 |
44.56 |
45.88 |
44.79 |
46.22 |
47.54 |
11.20 |
11.27 |
11.34 |
12.41 |
12.52 |
| Credit Losses Provision | 3.00 |
3.60 |
1.56 |
1.73 |
5.98 |
23.73 |
51.62 |
19.28 |
18.82 |
14.91 |
13.53 |
4.56 |
3.88 |
3.35 |
3.12 |
3.18 |
| Other Expenses | 7.87 |
12.61 |
13.92 |
17.01 |
17.71 |
21.00 |
24.86 |
20.40 |
19.88 |
18.39 |
18.87 |
4.37 |
4.48 |
4.84 |
4.71 |
4.84 |
| Earnings Before DDA | 30.86 |
32.09 |
39.14 |
29.74 |
31.98 |
26.85 |
-8.81 |
33.46 |
32.04 |
34.91 |
35.46 |
7.89 |
8.89 |
8.77 |
9.36 |
8.44 |
| Depreciation, Depletion and Amortization | 8.66 |
7.98 |
9.34 |
5.30 |
5.79 |
4.46 |
4.37 |
4.12 |
3.48 |
3.07 |
3.21 |
0.72 |
0.72 |
0.79 |
0.84 |
0.86 |
| Operating Income | 22.19 |
24.11 |
29.81 |
24.44 |
26.19 |
22.39 |
-13.17 |
29.34 |
28.56 |
31.84 |
32.24 |
7.17 |
8.17 |
7.98 |
8.52 |
7.58 |
| Net Income | 15.11 |
16.50 |
20.22 |
16.98 |
17.99 |
15.17 |
-5.40 |
19.21 |
19.85 |
21.74 |
21.88 |
4.97 |
5.45 |
5.49 |
5.83 |
5.11 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
-- |
3.19 |
3.99 |
2.17 |
0.62 |
-- | 0.62 |
-- |
-- |
-- |
-- |
| Earnings per Share ($) | 0.77 |
0.70 |
0.77 |
0.67 |
0.70 |
0.58 |
-0.33 |
0.57 |
0.66 |
0.76 |
0.77 |
0.16 |
0.20 |
0.20 |
0.20 |
0.17 |
| Total Shares Outstanding | 19.67 |
23.65 |
26.15 |
25.52 |
25.76 |
25.96 |
26.10 |
26.38 |
26.68 |
27.69 |
29.63 |
26.75 |
26.80 |
27.64 |
29.57 |
29.63 |
| Balance Sheet | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Cash and cash equivalents | 46.08 |
55.35 |
52.82 |
79.96 |
57.19 |
49.78 |
58.66 |
49.28 |
72.56 |
108 |
97.07 |
86.82 |
76.72 |
103 |
108 |
97.07 |
| Net Loan | 835 |
1,159 |
1,300 |
1,578 |
1,872 |
2,010 |
1,991 |
1,987 |
2,013 |
2,118 |
2,141 |
2,045 |
2,060 |
2,036 |
2,118 |
2,141 |
| Securities & Investments | 600 |
745 |
670 |
423 |
403 |
392 |
457 |
554 |
544 |
491 |
467 |
515 |
508 |
515 |
491 |
467 |
| Accounts Receivable | 6.39 |
8.00 |
8.85 |
8.51 |
8.58 |
8.60 |
8.94 |
8.85 |
8.37 |
7.64 |
7.74 |
8.50 |
7.77 |
8.07 |
7.64 |
7.74 |
| Property, Plant and Equipment | 27.51 |
31.75 |
32.43 |
32.07 |
30.09 |
29.48 |
29.20 |
27.55 |
27.92 |
33.28 |
32.72 |
29.11 |
32.02 |
33.24 |
33.28 |
32.72 |
| Intangible Assets | 27.61 |
94.12 |
93.40 |
92.05 |
90.87 |
89.81 |
88.75 |
87.69 |
87.11 |
87.11 |
87.11 |
87.11 |
87.11 |
87.11 |
87.11 |
87.11 |
| Other Assets | 42.65 |
47.41 |
48.48 |
49.44 |
52.58 |
62.89 |
89.59 |
78.34 |
73.19 |
74.58 |
75.11 |
80.69 |
81.01 |
76.63 |
74.58 |
75.11 |
| Total Assets | 1,585 |
2,141 |
2,206 |
2,264 |
2,514 |
2,643 |
2,724 |
2,793 |
2,826 |
2,919 |
2,908 |
2,852 |
2,853 |
2,860 |
2,919 |
2,908 |
| Total Deposits | 1,326 |
1,727 |
1,798 |
1,861 |
1,987 |
2,056 |
2,157 |
2,196 |
2,250 |
2,371 |
2,389 |
2,288 |
2,277 |
2,341 |
2,371 |
2,389 |
| Current Portion of Long-Term Debt | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Long-Term Debt | 89.50 |
98.99 |
102 |
148 |
249 |
288 |
223 |
272 |
232 |
51.55 |
51.55 |
212 |
222 |
172 |
51.55 |
51.55 |
| Other liabilities | 59.16 |
121 |
114 |
55.03 |
65.69 |
77.33 |
75.57 |
63.75 |
84.19 |
215 |
184 |
110 |
107 |
68.67 |
215 |
184 |
| Total Liabilities | 1,474 |
1,946 |
2,014 |
2,064 |
2,302 |
2,422 |
2,456 |
2,532 |
2,566 |
2,638 |
2,624 |
2,610 |
2,606 |
2,582 |
2,638 |
2,624 |
| Common Stock | 131 |
209 |
226 |
-- |
-- |
-- |
-- |
-- |
-- |
304 |
-- | -- |
-- |
-- |
304 |
-- |
| Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
56.02 |
37.47 |
18.48 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Retained Earnings | -12.98 |
-3.85 |
-9.51 |
-17.53 |
-24.47 |
-19.25 |
-34.96 |
-38.00 |
-26.06 |
-24.15 |
-21.12 |
-35.59 |
-31.76 |
-27.90 |
-24.15 |
-21.12 |
| Additional Paid-In Capital | -- |
-- |
-- |
243 |
258 |
257 |
260 |
272 |
270 |
304 |
303 |
279 |
279 |
304 |
304 |
303 |
| Treasury Stock | -7.28 |
-10.88 |
-20.18 |
-22.57 |
-20.14 |
-14.50 |
-11.94 |
-8.68 |
-5.55 |
-2.72 |
-1.03 |
-3.95 |
-3.55 |
-3.16 |
-2.72 |
-1.03 |
| Total Equity | 111 |
195 |
192 |
200 |
212 |
221 |
268 |
261 |
260 |
281 |
284 |
242 |
247 |
278 |
281 |
284 |
| Cashflow Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Income | 15.11 |
16.50 |
20.22 |
16.98 |
17.99 |
15.17 |
-5.40 |
19.21 |
19.85 |
21.74 |
21.88 |
4.97 |
5.45 |
5.49 |
5.83 |
5.11 |
| Depreciation, Depletion and Amortization | 8.66 |
7.98 |
9.34 |
5.30 |
5.79 |
4.46 |
4.37 |
4.12 |
3.48 |
3.07 |
3.21 |
0.72 |
0.72 |
0.79 |
0.84 |
0.86 |
| Cash Flow from Others | 0.89 |
5.20 |
3.24 |
5.06 |
3.18 |
17.09 |
23.57 |
32.66 |
26.60 |
23.78 |
21.61 |
7.89 |
5.56 |
5.94 |
4.40 |
5.72 |
| Cash Flow from Operations | 24.66 |
29.67 |
32.80 |
27.34 |
26.97 |
36.72 |
22.54 |
55.99 |
49.93 |
48.59 |
46.70 |
13.58 |
11.73 |
12.22 |
11.07 |
11.68 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-3.03 |
-1.66 |
-3.43 |
-8.98 |
-7.77 |
-1.91 |
-3.63 |
-2.01 |
-1.43 |
-0.70 |
| Cash Flow from Acquisitions | 1.72 |
-25.52 |
-- |
-7.33 |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -234 |
-197 |
-83.88 |
-44.09 |
-278 |
-160 |
-102 |
-115 |
-34.35 |
-82.52 |
-68.78 |
-18.90 |
-16.28 |
15.08 |
-62.43 |
-5.16 |
| Net Issuance of Stock | -1.61 |
-3.76 |
-9.64 |
-2.63 |
0.40 |
2.79 |
0.04 |
0.06 |
0.19 |
0.16 |
0.13 |
0.08 |
0.03 |
25.05 |
-25.00 |
0.04 |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
58.84 |
-20.00 |
-20.00 |
3.24 |
3.24 |
-- |
-21.80 |
-- |
25.04 |
-- |
| Net Issuance of Debt | 86.45 |
53.89 |
-4.86 |
-15.49 |
109 |
52.36 |
-65.00 |
49.10 |
-40.00 |
-95.00 |
-85.00 |
-20.00 |
10.00 |
-50.00 |
-35.00 |
-10.00 |
| Cash Flow for Dividends | -5.73 |
-7.36 |
-8.31 |
-8.52 |
-8.40 |
-8.06 |
-8.16 |
-6.85 |
-6.33 |
-5.99 |
-6.27 |
-1.51 |
-1.36 |
-1.35 |
-1.77 |
-1.78 |
| Other Financing | 141 |
134 |
71.36 |
70.53 |
127 |
68.83 |
102 |
27.80 |
73.84 |
167 |
120 |
41.02 |
7.58 |
25.33 |
92.58 |
-5.27 |
| Cash Flow from Financing | 220 |
177 |
48.55 |
43.89 |
228 |
116 |
88.03 |
50.11 |
7.70 |
68.91 |
32.32 |
19.59 |
-5.55 |
-0.97 |
55.85 |
-17.01 |
| Net Change in Cash | 10.62 |
9.26 |
-2.53 |
27.15 |
-22.78 |
-7.41 |
8.89 |
-9.39 |
23.28 |
34.99 |
10.25 |
14.26 |
-10.10 |
26.33 |
4.49 |
-10.48 |
| Free Cash Flow | 24.66 |
29.67 |
32.80 |
27.34 |
26.97 |
36.72 |
19.51 |
54.33 |
46.51 |
39.61 |
38.93 |
11.67 |
8.10 |
10.21 |
9.64 |
10.99 |
| Valuation Ratios (Daily) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| PE Ratio(ttm) | ![]() |
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| Price to Tangible Book | ![]() |
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| Price-to-Free-Cash-Flow ratio | ![]() |
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| PS Ratio | ![]() |
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| EV-to-Revenue | ![]() |
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| EV-to-EBITDA | ![]() |
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| EV-to-EBIT | ![]() |
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| Earnings Yield (Joel Greenblatt) | ![]() |
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| Forward Rate of Return | ![]() |
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| Shiller PE Ratio | ![]() |
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| Valuation and Quality | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Market Cap | ![]() |
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| Enterprise Value | ![]() |
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| Month End Stock Price | ![]() |
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| Net Cash (per share) | ![]() |
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| Net Current Asset Value (per share) | ![]() |
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| DCF (per share) | ![]() |
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| Median PS (per share) | ![]() |
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| Peter Lynch Fair Value (per share) | ![]() |
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| Graham Number (per share) | ![]() |
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| Altman Z-Score | ![]() |
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| Piotroski F-Score | ![]() |
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