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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 0.48
LNBB's Cash to Debt is ranked lower than
67% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. LNBB: 0.48 )
Ranked among companies with meaningful Cash to Debt only.
LNBB' s 10-Year Cash to Debt Range
Min: 0.2  Med: 0.44 Max: N/A
Current: 0.48
Equity to Asset 0.10
LNBB's Equity to Asset is ranked higher than
52% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. LNBB: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
LNBB' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.1
Current: 0.1
0.07
0.1
Interest Coverage 1.78
LNBB's Interest Coverage is ranked higher than
53% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. LNBB: 1.78 )
Ranked among companies with meaningful Interest Coverage only.
LNBB' s 10-Year Interest Coverage Range
Min: 0.13  Med: 0.73 Max: 1.78
Current: 1.78
0.13
1.78
F-Score: 5
WACC vs ROIC
9.43%
5.07%
WACC
ROIC
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 : 5/10

vs
industry
vs
history
Operating margin (%) 21.87
LNBB's Operating margin (%) is ranked lower than
70% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. LNBB: 21.87 )
Ranked among companies with meaningful Operating margin (%) only.
LNBB' s 10-Year Operating margin (%) Range
Min: -250.39  Med: 17.95 Max: 35.83
Current: 21.87
-250.39
35.83
Net-margin (%) 15.77
LNBB's Net-margin (%) is ranked lower than
71% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. LNBB: 15.77 )
Ranked among companies with meaningful Net-margin (%) only.
LNBB' s 10-Year Net-margin (%) Range
Min: -4.03  Med: 17.51 Max: 106.74
Current: 15.77
-4.03
106.74
ROE (%) 6.65
LNBB's ROE (%) is ranked lower than
63% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. LNBB: 6.65 )
Ranked among companies with meaningful ROE (%) only.
LNBB' s 10-Year ROE (%) Range
Min: -3.08  Med: 9.23 Max: 15.67
Current: 6.65
-3.08
15.67
ROA (%) 0.62
LNBB's ROA (%) is ranked lower than
66% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. LNBB: 0.62 )
Ranked among companies with meaningful ROA (%) only.
LNBB' s 10-Year ROA (%) Range
Min: -0.18  Med: 0.81 Max: 1.4
Current: 0.62
-0.18
1.4
Revenue Growth (3Y)(%) -7.40
LNBB's Revenue Growth (3Y)(%) is ranked lower than
83% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. LNBB: -7.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LNBB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.7  Med: 1.70 Max: 86.1
Current: -7.4
-8.7
86.1
EBITDA Growth (3Y)(%) 5.80
LNBB's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. LNBB: 5.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LNBB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -25.1  Med: -4.20 Max: 8.4
Current: 5.8
-25.1
8.4
EPS Growth (3Y)(%) 5.50
LNBB's EPS Growth (3Y)(%) is ranked lower than
62% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. LNBB: 5.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LNBB' s 10-Year EPS Growth (3Y)(%) Range
Min: -22.6  Med: -3.00 Max: 11.9
Current: 5.5
-22.6
11.9
» LNBB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

LNBB Guru Trades in Q3 2014

Jim Simons 101,400 sh (+14.87%)
» More
Q4 2014

LNBB Guru Trades in Q4 2014

Jim Simons 125,800 sh (+24.06%)
» More
Q1 2015

LNBB Guru Trades in Q1 2015

Jim Simons 168,100 sh (+33.62%)
» More
Q2 2015

LNBB Guru Trades in Q2 2015

Paul Tudor Jones 91,701 sh (New)
Jim Simons 216,026 sh (+28.51%)
» More
» Details

Insider Trades

Latest Guru Trades with LNBB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 24.50
LNBB's P/E(ttm) is ranked lower than
85% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. LNBB: 24.50 )
Ranked among companies with meaningful P/E(ttm) only.
LNBB' s 10-Year P/E(ttm) Range
Min: 6.63  Med: 16.89 Max: 24.53
Current: 24.5
6.63
24.53
Forward P/E 14.06
LNBB's Forward P/E is ranked lower than
74% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. LNBB: 14.06 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 24.50
LNBB's PE(NRI) is ranked lower than
85% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. LNBB: 24.50 )
Ranked among companies with meaningful PE(NRI) only.
LNBB' s 10-Year PE(NRI) Range
Min: 6.54  Med: 16.88 Max: 24.53
Current: 24.5
6.54
24.53
P/B 1.59
LNBB's P/B is ranked lower than
82% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. LNBB: 1.59 )
Ranked among companies with meaningful P/B only.
LNBB' s 10-Year P/B Range
Min: 0.34  Med: 0.94 Max: 1.93
Current: 1.59
0.34
1.93
P/S 3.86
LNBB's P/S is ranked lower than
71% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. LNBB: 3.86 )
Ranked among companies with meaningful P/S only.
LNBB' s 10-Year P/S Range
Min: 0.58  Med: 1.77 Max: 3.86
Current: 3.86
0.58
3.86
PFCF 58.73
LNBB's PFCF is ranked lower than
95% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. LNBB: 58.73 )
Ranked among companies with meaningful PFCF only.
LNBB' s 10-Year PFCF Range
Min: 1.4  Med: 6.24 Max: 508.67
Current: 58.73
1.4
508.67
POCF 34.61
LNBB's POCF is ranked lower than
94% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. LNBB: 34.61 )
Ranked among companies with meaningful POCF only.
LNBB' s 10-Year POCF Range
Min: 1.36  Med: 6.11 Max: 40.16
Current: 34.61
1.36
40.16
EV-to-EBIT 20.64
LNBB's EV-to-EBIT is ranked lower than
72% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. LNBB: 20.64 )
Ranked among companies with meaningful EV-to-EBIT only.
LNBB' s 10-Year EV-to-EBIT Range
Min: -41.3  Med: 18.00 Max: 43.7
Current: 20.64
-41.3
43.7
Shiller P/E 36.73
LNBB's Shiller P/E is ranked lower than
89% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. LNBB: 36.73 )
Ranked among companies with meaningful Shiller P/E only.
LNBB' s 10-Year Shiller P/E Range
Min: 5  Med: 12.76 Max: 37.63
Current: 36.73
5
37.63
Days Sales Outstanding 26.27
LNBB's Days Sales Outstanding is ranked higher than
66% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. LNBB: 26.27 )
Ranked among companies with meaningful Days Sales Outstanding only.
LNBB' s 10-Year Days Sales Outstanding Range
Min: 23.46  Med: 35.11 Max: 215.25
Current: 26.27
23.46
215.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.52
LNBB's Dividend Yield is ranked lower than
96% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. LNBB: 0.52 )
Ranked among companies with meaningful Dividend Yield only.
LNBB' s 10-Year Dividend Yield Range
Min: 0.25  Med: 3.49 Max: 8.65
Current: 0.52
0.25
8.65
Dividend Payout 0.13
LNBB's Dividend Payout is ranked higher than
89% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. LNBB: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
LNBB' s 10-Year Dividend Payout Range
Min: 0.03  Med: 0.48 Max: 3
Current: 0.13
0.03
3
Dividend growth (3y) 14.50
LNBB's Dividend growth (3y) is ranked higher than
69% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. LNBB: 14.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
LNBB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 14.5
Current: 14.5
0
14.5
Yield on cost (5-Year) 0.22
LNBB's Yield on cost (5-Year) is ranked lower than
98% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. LNBB: 0.22 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LNBB' s 10-Year Yield on cost (5-Year) Range
Min: 0.11  Med: 1.48 Max: 3.66
Current: 0.22
0.11
3.66
Share Buyback Rate -7.00
LNBB's Share Buyback Rate is ranked lower than
71% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. LNBB: -7.00 )
Ranked among companies with meaningful Share Buyback Rate only.
LNBB' s 10-Year Share Buyback Rate Range
Min: 1  Med: -1.20 Max: -7
Current: -7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.95
LNBB's Price/Tangible Book is ranked lower than
85% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. LNBB: 1.95 )
Ranked among companies with meaningful Price/Tangible Book only.
LNBB' s 10-Year Price/Tangible Book Range
Min: 0.45  Med: 1.61 Max: 2.49
Current: 1.95
0.45
2.49
Price/Projected FCF 0.85
LNBB's Price/Projected FCF is ranked lower than
70% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. LNBB: 0.85 )
Ranked among companies with meaningful Price/Projected FCF only.
LNBB' s 10-Year Price/Projected FCF Range
Min: 0.16  Med: 0.53 Max: 0.91
Current: 0.85
0.16
0.91
Price/Median PS Value 2.18
LNBB's Price/Median PS Value is ranked lower than
96% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. LNBB: 2.18 )
Ranked among companies with meaningful Price/Median PS Value only.
LNBB' s 10-Year Price/Median PS Value Range
Min: 0.33  Med: 1.45 Max: 7.52
Current: 2.18
0.33
7.52
Price/Graham Number 1.45
LNBB's Price/Graham Number is ranked lower than
90% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. LNBB: 1.45 )
Ranked among companies with meaningful Price/Graham Number only.
LNBB' s 10-Year Price/Graham Number Range
Min: 0.33  Med: 1.03 Max: 2.62
Current: 1.45
0.33
2.62
Earnings Yield (Greenblatt) (%) 4.80
LNBB's Earnings Yield (Greenblatt) (%) is ranked lower than
65% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. LNBB: 4.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LNBB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.3  Med: 5.45 Max: 7.9
Current: 4.8
2.3
7.9
Forward Rate of Return (Yacktman) (%) 11.15
LNBB's Forward Rate of Return (Yacktman) (%) is ranked lower than
58% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. LNBB: 11.15 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LNBB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -4.5  Med: 17.20 Max: 35.9
Current: 11.15
-4.5
35.9

Analyst Estimate

Dec15
EPS($) 0.86
EPS without NRI($) 0.86

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
LNB Bancorp Inc is a bank holding company of Lorain National Bank. The Bank, through Lorain National Bank, provides lending and depository services, investment services, and other traditional banking services. Lorain National Bank operates through 20 retail-banking locations and 28 automated teller machines in Lorain, Erie, Cuyahoga and Summit counties in the Ohio communities of Lorain, Elyria, Amherst, Avon, Avon Lake, LaGrange, North Ridgeville, Oberlin, Olmsted Township, Vermilion, Westlake and Hudson, as well as a business development office in Cuyahoga County. The Bank also operates an office in Columbus, Ohio that specializes in originating Small Business Administration related loans. The Bank offers services such as Commercial Lending, Residential, Installment and Personal Lending, Deposit Services, and Other Services. The Bank's Commercial lending activities consists of commercial and industrial loans, commercial real estate loans, construction and equipment loans, letters of credit, revolving lines of credit, Small Business Administration loans and government guaranteed loans. The Bank's wholly-owned subsidiary, North Coast Community Development Corporation, offers commercial loans with preferred interest rates on projects that meet the standards for the federal government's New Markets Tax Credit Program. The Bank's Residential, Installment and Personal Lending activities consist of loans for the purchase of personal residences, originated for portfolio or to be sold in the secondary markets. The Bank's installment lending activities consist of traditional forms of financing for automobile and personal loans, indirect automobile loans, second mortgages, and home equity lines of credit. The Bank provides indirect lending services to new and used automobile dealerships located in Ohio, Kentucky, Indiana, North Carolina, Tennessee and Georgia. The Bank's Deposit Services include traditional transaction and time deposit accounts, as well as cash management services for corporate and municipal customers. The Bank has occasionally supplemented local deposit generation with time deposits generated through a broker relationship. Deposits of the Bank are insured by the Bank Insurance Fund administered by the Federal Deposit Insurance Corporation. Other bank services offered include safe deposit boxes, night depository, U.S. savings bonds, travelers' checks, money orders, cashier's checks, ATM's, debit cards, wire transfer, electronic funds transfers, foreign drafts, foreign currency, electronic banking by phone or through the internet, lockbox and other services tailored for both individuals and businesses. The Corporation competes primarily with 18 other financial institutions with operations in Lorain County, Ohio, as well as credit unions and financial intermediaries. The Bank is subject to the supervision and examination of the Board of Governors of the Federal Reserve System and complies with several other regulations.
» More Articles for LNBB

Headlines

Articles On GuruFocus.com
Largest Group Insider Buys of the Week Dec 21 2013 
Insider Analysis on American and Canadian Banking Sector May 07 2013 
LNB Bancorp Inc. Reports Operating Results (10-K) Mar 11 2011 
LNB Bancorp Inc. Reports Operating Results (10-Q) Nov 04 2010 
LNB Bancorp Inc. Reports Operating Results (10-Q) Aug 05 2010 
LNB Bancorp Inc. Reports Operating Results (10-Q) May 14 2010 
LNB Bancorp Inc. Reports Operating Results (10-Q) Aug 07 2009 
LNB Bancorp, Inc. Reports Second Quarter 2009 Results Aug 04 2009 
LNB Bancorp Inc. Reports Operating Results (10-Q) May 08 2009 
LNB Bancorp, Inc. Reports Profitable 2008 Fourth Quarter Feb 10 2009 

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