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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

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

» LNBB's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» 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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Business Description

Industry: Banks » Banks - Regional - US

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.



Dividend & Buy Back

Dividend Yield 0.52
LNBB's Dividend Yield is ranked lower than
96% of the 2367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. LNBB: 0.52 )
Ranked among companies with meaningful Dividend Yield only.
LNBB' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 0.52
Dividend Payout 0.13
LNBB's Dividend Payout is ranked higher than
89% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. LNBB: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
LNBB' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 0.13
Yield on cost (5-Year) 0.52
LNBB's Yield on cost (5-Year) is ranked lower than
96% of the 2699 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. LNBB: 0.52 )
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  Med: 0 Max: 0
Current: 0.52

Valuation & Return


More Statistics

Revenue (TTM) (Mil) $48.81
EPS (TTM) $ 0.79
Short Percentage of Float0.39%
52-Week Range $12.70 - 19.90
Shares Outstanding (Mil)9.66

Analyst Estimate

Revenue (Mil $)
EPS ($) 0.86
EPS w/o NRI ($) 0.86
EPS Growth Rate
(3Y to 5Y Estimate)
Dividends Per Share ($)

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