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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.15
LABC's Cash to Debt is ranked higher than
50% of the 1274 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. LABC: 0.15 )
LABC' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.15

Equity to Asset 0.18
LABC's Equity to Asset is ranked higher than
90% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. LABC: 0.18 )
LABC' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.33
Current: 0.18

0.11
0.33
Interest Coverage 1.43
LABC's Interest Coverage is ranked higher than
71% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. LABC: 1.43 )
LABC' s 10-Year Interest Coverage Range
Min: 0.63   Max: 1.43
Current: 1.43

0.63
1.43
F-Score: 7
Z-Score: 0.39
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating margin (%) 33.72
LABC's Operating margin (%) is ranked higher than
78% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.05 vs. LABC: 33.72 )
LABC' s 10-Year Operating margin (%) Range
Min: 30.16   Max: 45.04
Current: 33.72

30.16
45.04
Net-margin (%) 22.05
LABC's Net-margin (%) is ranked higher than
76% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.45 vs. LABC: 22.05 )
LABC' s 10-Year Net-margin (%) Range
Min: 2.92   Max: 31.56
Current: 22.05

2.92
31.56
ROE (%) 4.67
LABC's ROE (%) is ranked higher than
60% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.96 vs. LABC: 4.67 )
LABC' s 10-Year ROE (%) Range
Min: 0.75   Max: 6.93
Current: 4.67

0.75
6.93
ROA (%) 0.86
LABC's ROA (%) is ranked higher than
76% of the 1556 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. LABC: 0.86 )
LABC' s 10-Year ROA (%) Range
Min: 0.08   Max: 0.97
Current: 0.86

0.08
0.97
ROC (Joel Greenblatt) (%) 193.28
LABC's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 1430 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.30 vs. LABC: 193.28 )
LABC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 170.91   Max: 224
Current: 193.28

170.91
224
Revenue Growth (%) 15.90
LABC's Revenue Growth (%) is ranked higher than
94% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. LABC: 15.90 )
LABC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 24.8
Current: 15.9

0
24.8
EBITDA Growth (%) 17.00
LABC's EBITDA Growth (%) is ranked higher than
82% of the 1123 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. LABC: 17.00 )
LABC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 18.2
Current: 17

0
18.2
EPS Growth (%) 14.80
LABC's EPS Growth (%) is ranked higher than
79% of the 1105 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.50 vs. LABC: 14.80 )
LABC' s 10-Year EPS Growth (%) Range
Min: 0   Max: 18.6
Current: 14.8

0
18.6
» LABC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 19.30
LABC's P/E(ttm) is ranked lower than
51% of the 1452 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.70 vs. LABC: 19.30 )
LABC' s 10-Year P/E(ttm) Range
Min: 11.3   Max: 55.17
Current: 19.3

11.3
55.17
P/B 1.00
LABC's P/B is ranked higher than
73% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. LABC: 1.00 )
LABC' s 10-Year P/B Range
Min: 0.71   Max: 0.99
Current: 1

0.71
0.99
P/S 4.30
LABC's P/S is ranked lower than
66% of the 1640 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. LABC: 4.30 )
LABC' s 10-Year P/S Range
Min: 3.44   Max: 17.14
Current: 4.3

3.44
17.14
PFCF 8.30
LABC's PFCF is ranked higher than
55% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. LABC: 8.30 )
LABC' s 10-Year PFCF Range
Min: 5.9   Max: 124.86
Current: 8.3

5.9
124.86
EV-to-EBIT 26.30
LABC's EV-to-EBIT is ranked lower than
58% of the 1410 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.82 vs. LABC: 26.30 )
LABC' s 10-Year EV-to-EBIT Range
Min: 10.6   Max: 94.1
Current: 26.3

10.6
94.1
PEG 1.10
LABC's PEG is ranked higher than
66% of the 849 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.02 vs. LABC: 1.10 )
LABC' s 10-Year PEG Range
Min: 0.84   Max: 2.56
Current: 1.1

0.84
2.56
Shiller P/E 26.30
LABC's Shiller P/E is ranked lower than
55% of the 841 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.04 vs. LABC: 26.30 )
LABC' s 10-Year Shiller P/E Range
Min: 19.84   Max: 26.24
Current: 26.3

19.84
26.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.30
LABC's Dividend Yield is ranked lower than
93% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. LABC: 0.30 )
LABC' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 0.3

Yield on cost (5-Year) 0.30
LABC's Yield on cost (5-Year) is ranked lower than
90% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.62 vs. LABC: 0.30 )
LABC' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 0.3

Share Buyback Rate 11.20
LABC's Share Buyback Rate is ranked higher than
97% of the 1172 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.60 vs. LABC: 11.20 )
LABC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -10.1
Current: 11.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
LABC's Price/Tangible Book is ranked higher than
77% of the 1362 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. LABC: 1.00 )
LABC' s 10-Year Price/Tangible Book Range
Min: 0.74   Max: 0.94
Current: 1

0.74
0.94
Price/DCF (Projected) 0.58
LABC's Price/DCF (Projected) is ranked higher than
70% of the 904 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. LABC: 0.58 )
LABC' s 10-Year Price/DCF (Projected) Range
Min: 0.53   Max: 0.68
Current: 0.58

0.53
0.68
Price/Median PS Value 0.86
LABC's Price/Median PS Value is ranked higher than
82% of the 1478 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. LABC: 0.86 )
LABC' s 10-Year Price/Median PS Value Range
Min: 0.79   Max: 1.41
Current: 0.86

0.79
1.41
Price/Peter Lynch Fair Value 1.11
LABC's Price/Peter Lynch Fair Value is ranked higher than
55% of the 444 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. LABC: 1.11 )
LABC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.01   Max: 2.11
Current: 1.11

1.01
2.11
Price/Graham Number 0.97
LABC's Price/Graham Number is ranked higher than
57% of the 1341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. LABC: 0.97 )
LABC' s 10-Year Price/Graham Number Range
Min: 0.89   Max: 1.07
Current: 0.97

0.89
1.07
Earnings Yield (Greenblatt) 3.80
LABC's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. LABC: 3.80 )
LABC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 9.4
Current: 3.8

1.1
9.4
Forward Rate of Return (Yacktman) 18.63
LABC's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 1095 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.48 vs. LABC: 18.63 )
LABC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.4   Max: 28.9
Current: 18.63

2.4
28.9

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Louisiana Bancorp, Inc. was organized as a Louisiana Corporation on March 16, 2007. It is the holding Company for Bank of New Orleans. The bank conducts its business from its main office, in addition to branch offices and a loan production office. The bank is mainly engaged in attracting deposits from the general public and using those funds to invest in loans and securities. The bank's main sources of funds are deposits, repayments of loans and mortgage-backed securities, maturities of investments and interest-bearing deposits, other funds provided from operations and funds borrowed from outside sources such as the Federal Home Loan Bank of Dallas, the Federal Reserve, and commercial banks. These funds are mainly used for the origination of various loan types including single-family residential mortgage loans, multi-family residential and commercial real estate mortgage loans, home equity loans and lines of credit and other consumer loans. The bank derives its income mainly from interest earned on loans, mortgage-backed and other securities and, to a lesser extent, from fees received in connection with the origination of loans and for other services. Funds for activities are provided mainly by deposits, amortization of loans, loan prepayments and the maturity of loans, mortgage-backed securities and other investments and other funds from operations. The Company is an active originator of residential home mortgage loans and commercial real estate loans in market area. The Company's commercial real estate loans are primarily secured by multi-family residential collateral, non-residential collateral and vacant land. The business plan is focused on developing a portfolio of residential home loans and commercial real estate loans that will benefit the residents and small to mid-sized businesses of the New Orleans metropolitan area. The total real estate loan portfolio has grown from $110.5 million at December 31, 2008, to $214.5 million at December 31, 2012. At December 31, 2012, the Company's one-to four-family residential loans comprised 50.0%, or $107.6 million, of the total loan portfolio, while multi-family residential, commercial real estate and land loans comprised 37.5%, or $80.6 million, of total loans. Home equity loans and lines of credit were $26.3 million, or 12.2%, of the total loan portfolio at December 31, 2012. The Company competes with banks and other financial institutions, including savings and loan associations, savings banks, finance companies, credit unions and other providers of financial services, such as money market mutual funds, brokerage firms, consumer finance companies and insurance companies. The bank is subject to the regulations of certain Federal and State agencies and undergoes periodic examinations by those regulatory authorities.
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