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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 0.45
LNBB's Cash to Debt is ranked higher than
64% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. LNBB: 0.45 )
LNBB' s 10-Year Cash to Debt Range
Min: 0.2   Max: No Debt
Current: 0.45

Equity to Asset 0.09
LNBB's Equity to Asset is ranked higher than
64% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. LNBB: 0.09 )
LNBB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.09

0.07
0.1
Interest Coverage 1.31
LNBB's Interest Coverage is ranked higher than
68% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. LNBB: 1.31 )
LNBB' s 10-Year Interest Coverage Range
Min: 0.13   Max: 1.31
Current: 1.31

0.13
1.31
F-Score: 5
Z-Score: 0.23
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 (%) 20.40
LNBB's Operating margin (%) is ranked higher than
62% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. LNBB: 20.40 )
LNBB' s 10-Year Operating margin (%) Range
Min: -254.63   Max: 35.83
Current: 20.4

-254.63
35.83
Net-margin (%) 15.15
LNBB's Net-margin (%) is ranked higher than
63% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. LNBB: 15.15 )
LNBB' s 10-Year Net-margin (%) Range
Min: -4.03   Max: 106.74
Current: 15.15

-4.03
106.74
ROE (%) 6.75
LNBB's ROE (%) is ranked higher than
68% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. LNBB: 6.75 )
LNBB' s 10-Year ROE (%) Range
Min: -1.89   Max: 15.67
Current: 6.75

-1.89
15.67
ROA (%) 0.60
LNBB's ROA (%) is ranked higher than
65% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. LNBB: 0.60 )
LNBB' s 10-Year ROA (%) Range
Min: -0.18   Max: 1.4
Current: 0.6

-0.18
1.4
ROC (Joel Greenblatt) (%) 121.07
LNBB's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. LNBB: 121.07 )
LNBB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -213.27   Max: 114.02
Current: 121.07

-213.27
114.02
Revenue Growth (%) -9.00
LNBB's Revenue Growth (%) is ranked higher than
57% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. LNBB: -9.00 )
LNBB' s 10-Year Revenue Growth (%) Range
Min: -9   Max: 86.1
Current: -9

-9
86.1
EBITDA Growth (%) -2.10
LNBB's EBITDA Growth (%) is ranked higher than
64% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. LNBB: -2.10 )
LNBB' s 10-Year EBITDA Growth (%) Range
Min: -25.1   Max: 8.4
Current: -2.1

-25.1
8.4
EPS Growth (%) -4.90
LNBB's EPS Growth (%) is ranked higher than
62% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. LNBB: -4.90 )
LNBB' s 10-Year EPS Growth (%) Range
Min: -22.6   Max: 11.9
Current: -4.9

-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 2013

LNBB Guru Trades in Q4 2013

Jim Simons 58,514 sh (+42.37%)
Arnold Schneider Sold Out
» More
Q1 2014

LNBB Guru Trades in Q1 2014

Jim Simons 71,014 sh (+21.36%)
» More
Q2 2014

LNBB Guru Trades in Q2 2014

Jim Simons 88,275 sh (+24.31%)
» More
Q3 2014

LNBB Guru Trades in Q3 2014

Jim Simons 101,400 sh (+14.87%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2013-12-31 Sold Out 0.02%$9.31 - $10.42 $ 16.4167%0
Arnold Schneider 2012-06-30 Reduce -36.74%0.01%$6 - $6.88 $ 16.41154%25869
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 21.80
LNBB's P/E(ttm) is ranked higher than
70% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. LNBB: 21.80 )
LNBB' s 10-Year P/E(ttm) Range
Min: 6.63   Max: 22.89
Current: 21.8

6.63
22.89
P/B 1.40
LNBB's P/B is ranked higher than
70% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. LNBB: 1.40 )
LNBB' s 10-Year P/B Range
Min: 0.34   Max: 2.05
Current: 1.4

0.34
2.05
P/S 3.20
LNBB's P/S is ranked higher than
77% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. LNBB: 3.20 )
LNBB' s 10-Year P/S Range
Min: 0.58   Max: 3.5
Current: 3.2

0.58
3.5
PFCF 28.80
LNBB's PFCF is ranked higher than
80% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LNBB: 28.80 )
LNBB' s 10-Year PFCF Range
Min: 1.4   Max: 508.67
Current: 28.8

1.4
508.67
EV-to-EBIT 19.14
LNBB's EV-to-EBIT is ranked higher than
72% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. LNBB: 19.14 )
LNBB' s 10-Year EV-to-EBIT Range
Min: -41.3   Max: 43.7
Current: 19.14

-41.3
43.7
Shiller P/E 33.20
LNBB's Shiller P/E is ranked higher than
79% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LNBB: 33.20 )
LNBB' s 10-Year Shiller P/E Range
Min: 5   Max: 33.2
Current: 33.2

5
33.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.30
LNBB's Dividend Yield is ranked lower than
94% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. LNBB: 0.30 )
LNBB' s 10-Year Dividend Yield Range
Min: 0.25   Max: 8.65
Current: 0.3

0.25
8.65
Dividend Payout 0.05
LNBB's Dividend Payout is ranked higher than
99% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. LNBB: 0.05 )
LNBB' s 10-Year Dividend Payout Range
Min: 0.03   Max: 3
Current: 0.05

0.03
3
Yield on cost (5-Year) 0.06
LNBB's Yield on cost (5-Year) is ranked lower than
95% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. LNBB: 0.06 )
LNBB' s 10-Year Yield on cost (5-Year) Range
Min: 0.05   Max: 1.73
Current: 0.06

0.05
1.73
Share Buyback Rate -6.50
LNBB's Share Buyback Rate is ranked higher than
62% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. LNBB: -6.50 )
LNBB' s 10-Year Share Buyback Rate Range
Min: 1   Max: -8.9
Current: -6.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
LNBB's Price/Tangible Book is ranked higher than
70% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. LNBB: 1.70 )
LNBB' s 10-Year Price/Tangible Book Range
Min: 0.45   Max: 2.95
Current: 1.7

0.45
2.95
Price/DCF (Projected) 0.70
LNBB's Price/DCF (Projected) is ranked higher than
84% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. LNBB: 0.70 )
LNBB' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 0.81
Current: 0.7

0.16
0.81
Price/Median PS Value 1.80
LNBB's Price/Median PS Value is ranked higher than
64% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. LNBB: 1.80 )
LNBB' s 10-Year Price/Median PS Value Range
Min: 0.33   Max: 7.46
Current: 1.8

0.33
7.46
Price/Graham Number 1.30
LNBB's Price/Graham Number is ranked higher than
71% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. LNBB: 1.30 )
LNBB' s 10-Year Price/Graham Number Range
Min: 0.33   Max: 2.62
Current: 1.3

0.33
2.62
Earnings Yield (Greenblatt) 5.10
LNBB's Earnings Yield (Greenblatt) is ranked higher than
68% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. LNBB: 5.10 )
LNBB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.3   Max: 7.9
Current: 5.1

2.3
7.9
Forward Rate of Return (Yacktman) 8.91
LNBB's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. LNBB: 8.91 )
LNBB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.9   Max: 26.9
Current: 8.91

-1.9
26.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
LNB Bancorp 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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