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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
68% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. LNBB: 0.48 )
Ranked among companies with meaningful Cash to Debt only.
LNBB' s Cash to Debt Range Over the Past 10 Years
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 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.1
Current: 0.1
0.07
0.1
Interest Coverage 1.96
LNBB's Interest Coverage is ranked higher than
53% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. LNBB: 1.96 )
Ranked among companies with meaningful Interest Coverage only.
LNBB' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 0.61 Max: 1.78
Current: 1.96
0.13
1.78
F-Score: 5
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
72% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. LNBB: 21.87 )
Ranked among companies with meaningful Operating margin (%) only.
LNBB' s Operating margin (%) Range Over the Past 10 Years
Min: -9.4  Med: 16.50 Max: 22.01
Current: 21.87
-9.4
22.01
Net-margin (%) 15.77
LNBB's Net-margin (%) is ranked lower than
73% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. LNBB: 15.77 )
Ranked among companies with meaningful Net-margin (%) only.
LNBB' s Net-margin (%) Range Over the Past 10 Years
Min: -4.03  Med: 12.55 Max: 15.87
Current: 15.77
-4.03
15.87
ROE (%) 6.65
LNBB's ROE (%) is ranked lower than
61% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. LNBB: 6.65 )
Ranked among companies with meaningful ROE (%) only.
LNBB' s ROE (%) Range Over the Past 10 Years
Min: -3.08  Med: 4.98 Max: 9.23
Current: 6.65
-3.08
9.23
ROA (%) 0.62
LNBB's ROA (%) is ranked lower than
66% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. LNBB: 0.62 )
Ranked among companies with meaningful ROA (%) only.
LNBB' s ROA (%) Range Over the Past 10 Years
Min: -0.18  Med: 0.52 Max: 0.81
Current: 0.62
-0.18
0.81
Revenue Growth (3Y)(%) -7.40
LNBB's Revenue Growth (3Y)(%) is ranked lower than
79% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
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
51% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. LNBB: 5.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LNBB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
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
55% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. LNBB: 5.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LNBB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
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

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
Q3 2015

LNBB Guru Trades in Q3 2015

Jim Simons Sold Out
Paul Tudor Jones Sold Out
» 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
88% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. LNBB: 24.50 )
Ranked among companies with meaningful P/E(ttm) only.
LNBB' s P/E(ttm) Range Over the Past 10 Years
Min: 6.63  Med: 16.70 Max: 24.53
Current: 24.5
6.63
24.53
Forward P/E 14.06
LNBB's Forward P/E is ranked lower than
88% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 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
87% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. LNBB: 24.50 )
Ranked among companies with meaningful PE(NRI) only.
LNBB' s PE(NRI) Range Over the Past 10 Years
Min: 6.54  Med: 16.68 Max: 24.53
Current: 24.5
6.54
24.53
P/B 1.59
LNBB's P/B is ranked lower than
84% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. LNBB: 1.59 )
Ranked among companies with meaningful P/B only.
LNBB' s P/B Range Over the Past 10 Years
Min: 0.34  Med: 0.91 Max: 1.86
Current: 1.59
0.34
1.86
P/S 3.86
LNBB's P/S is ranked lower than
76% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. LNBB: 3.86 )
Ranked among companies with meaningful P/S only.
LNBB' s P/S Range Over the Past 10 Years
Min: 0.58  Med: 1.71 Max: 3.86
Current: 3.86
0.58
3.86
PFCF 58.73
LNBB's PFCF is ranked lower than
97% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. LNBB: 58.73 )
Ranked among companies with meaningful PFCF only.
LNBB' s PFCF Range Over the Past 10 Years
Min: 1.4  Med: 5.86 Max: 508.67
Current: 58.73
1.4
508.67
POCF 34.61
LNBB's POCF is ranked lower than
94% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. LNBB: 34.61 )
Ranked among companies with meaningful POCF only.
LNBB' s POCF Range Over the Past 10 Years
Min: 1.36  Med: 5.72 Max: 40.16
Current: 34.61
1.36
40.16
EV-to-EBIT 20.64
LNBB's EV-to-EBIT is ranked lower than
75% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. LNBB: 20.64 )
Ranked among companies with meaningful EV-to-EBIT only.
LNBB' s EV-to-EBIT Range Over the Past 10 Years
Min: -41.3  Med: 17.70 Max: 43.7
Current: 20.64
-41.3
43.7
EV-to-EBITDA 18.21
LNBB's EV-to-EBITDA is ranked lower than
74% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. LNBB: 18.21 )
Ranked among companies with meaningful EV-to-EBITDA only.
LNBB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 18.21
Current: 18.21
0
18.21
Shiller P/E 29.82
LNBB's Shiller P/E is ranked lower than
86% of the 681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.38 vs. LNBB: 29.82 )
Ranked among companies with meaningful Shiller P/E only.
LNBB' s Shiller P/E Range Over the Past 10 Years
Min: 3.95  Med: 7.30 Max: 29.82
Current: 29.82
3.95
29.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.52
LNBB's Dividend Yield is ranked lower than
95% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. LNBB: 0.52 )
Ranked among companies with meaningful Dividend Yield only.
LNBB' s Dividend Yield Range Over the Past 10 Years
Min: 0.25  Med: 2.17 Max: 8.65
Current: 0.52
0.25
8.65
Dividend Payout 0.13
LNBB's Dividend Payout is ranked higher than
88% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. LNBB: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
LNBB' s Dividend Payout Range Over the Past 10 Years
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
74% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. LNBB: 14.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
LNBB' s Dividend Growth (3y) Range Over the Past 10 Years
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 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. LNBB: 0.22 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LNBB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.11  Med: 0.92 Max: 3.66
Current: 0.22
0.11
3.66
3-Year Average Share Buyback Ratio -7.00
LNBB's 3-Year Average Share Buyback Ratio is ranked lower than
72% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. LNBB: -7.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
LNBB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -7  Med: -1.20 Max: 1
Current: -7
-7
1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.95
LNBB's Price/Tangible Book is ranked lower than
85% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. LNBB: 1.95 )
Ranked among companies with meaningful Price/Tangible Book only.
LNBB' s Price/Tangible Book Range Over the Past 10 Years
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 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LNBB: 0.85 )
Ranked among companies with meaningful Price/Projected FCF only.
LNBB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.53 Max: 0.91
Current: 0.85
0.16
0.91
Price/Median PS Value 2.26
LNBB's Price/Median PS Value is ranked lower than
97% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. LNBB: 2.26 )
Ranked among companies with meaningful Price/Median PS Value only.
LNBB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 1.51 Max: 7.77
Current: 2.26
0.34
7.77
Price/Graham Number 1.45
LNBB's Price/Graham Number is ranked lower than
88% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. LNBB: 1.45 )
Ranked among companies with meaningful Price/Graham Number only.
LNBB' s Price/Graham Number Range Over the Past 10 Years
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
67% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. LNBB: 4.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LNBB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.3  Med: 5.50 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
59% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. LNBB: 11.15 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LNBB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -4.5  Med: 17.20 Max: 35.9
Current: 11.15
-4.5
35.9

More Statistics

Revenue(Mil) $49
EPS $ 0.79
Short Percentage of Float0.39%
52-Week Range $12.70 - 19.90
Shares Outstanding(Mil)9.66

Analyst Estimate

Dec15
Revenue(Mil)
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 Operating Results (10-Q) May 08 2009 

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