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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.35
LPSB's Cash to Debt is ranked lower than
77% of the 1134 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.18 vs. LPSB: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
LPSB' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.17 Max: N/A
Current: 0.35
Equity to Asset 0.16
LPSB's Equity to Asset is ranked higher than
87% of the 1602 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. LPSB: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
LPSB' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.13 Max: 0.18
Current: 0.16
0.1
0.18
Interest Coverage 1.91
LPSB's Interest Coverage is ranked higher than
55% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. LPSB: 1.91 )
Ranked among companies with meaningful Interest Coverage only.
LPSB' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.68 Max: 2.11
Current: 1.91
0.12
2.11
F-Score: 5
M-Score: -2.39
WACC vs ROIC
3.58%
2.93%
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 (%) 27.23
LPSB's Operating margin (%) is ranked lower than
60% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.11 vs. LPSB: 27.23 )
Ranked among companies with meaningful Operating margin (%) only.
LPSB' s Operating margin (%) Range Over the Past 10 Years
Min: -8.72  Med: 22.13 Max: 31.08
Current: 27.23
-8.72
31.08
Net-margin (%) 21.78
LPSB's Net-margin (%) is ranked lower than
52% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.40 vs. LPSB: 21.78 )
Ranked among companies with meaningful Net-margin (%) only.
LPSB' s Net-margin (%) Range Over the Past 10 Years
Min: -3.7  Med: 18.43 Max: 25.42
Current: 21.78
-3.7
25.42
ROE (%) 4.99
LPSB's ROE (%) is ranked lower than
75% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.20 vs. LPSB: 4.99 )
Ranked among companies with meaningful ROE (%) only.
LPSB' s ROE (%) Range Over the Past 10 Years
Min: -0.86  Med: 5.21 Max: 6.13
Current: 4.99
-0.86
6.13
ROA (%) 0.79
LPSB's ROA (%) is ranked lower than
56% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. LPSB: 0.79 )
Ranked among companies with meaningful ROA (%) only.
LPSB' s ROA (%) Range Over the Past 10 Years
Min: -0.11  Med: 0.68 Max: 0.88
Current: 0.79
-0.11
0.88
Revenue Growth (3Y)(%) 4.10
LPSB's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. LPSB: 4.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LPSB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -40.30 Max: 15.5
Current: 4.1
0
15.5
EBITDA Growth (3Y)(%) 2.00
LPSB's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. LPSB: 2.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LPSB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -34.10 Max: 164
Current: 2
0
164
EPS Growth (3Y)(%) 6.10
LPSB's EPS Growth (3Y)(%) is ranked lower than
54% of the 1211 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. LPSB: 6.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LPSB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.75 Max: 8.7
Current: 6.1
0
8.7
» LPSB's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-23)


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

» Details

Guru Trades

Q2 2015

LPSB Guru Trades in Q2 2015

John Keeley 17,500 sh (+16.67%)
» More
Q3 2015

LPSB Guru Trades in Q3 2015

John Keeley 17,500 sh (unchged)
» More
Q4 2015

LPSB Guru Trades in Q4 2015

John Keeley 17,500 sh (unchged)
» More
Q1 2016

LPSB Guru Trades in Q1 2016

Jim Simons 28,022 sh (New)
John Keeley 17,548 sh (+0.27%)
» More
» Details

Insider Trades

Latest Guru Trades with LPSB

(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 » Savings & Cooperative Banks
Compare:NAS:CBNK, NAS:FSBK, NAS:MLVF, NAS:TSBK, NAS:FCLF, OTCBB:NWIN, NAS:RVSB, NAS:LSBK, NAS:HFBC, NAS:MSBF, NAS:FCAP, NAS:OFED, NAS:PBIP, OTCBB:NIDB, NAS:IROQ, NAS:KFFB, NAS:ICBK, AMEX:BKJ, NAS:PBSK, NAS:PBBI » details
LaPorte Bancorp Inc through The LaPorte Savings Bank, offers deposit and loan products as well as trust and investment services to individuals and small businesses.

LaPorte Bancorp Inc operates as the bank holding company for The LaPorte Savings Bank. The LaPorte Savings Bank is an Indiana-chartered savings bank that operates from seven full-service locations in LaPorte and Porter Counties, Indiana and a mortgage loan production office in St. Joseph, Michigan. The Company's business consists of accepting deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in residential loans, commercial real estate loans, mortgage warehouse loans, construction loans, home equity loans and lines of credit, commercial loans, automobile and other consumer loans, as well as agency securities, mortgage-backed securities, collateralized mortgage obligation securities and municipal bond securities. In addition, the Company offers trust services through a referral agreement with a third party. In Lending Activities One- to Four-Family Residential Loans: The majority of the one- to four-family residential mortgage loans the company originates are conventional. The Company also offers adjustable rate mortgage loans with fixed terms of three, five or seven years before converting to an annual adjustment schedule based on changes in a designated United States Treasury index. The Company also makes commercial land development and residential land loans. The Company also makes construction loans for commercial development projects, such as multi-family, apartment and small retail and office buildings. Its deposit accounts consist of savings accounts, health savings accounts, NOW accounts, checking accounts, money market accounts, certificates of deposit and IRAs. The Company also provides commercial checking accounts for businesses.

Ratios

vs
industry
vs
history
P/E(ttm) 21.44
LPSB's P/E(ttm) is ranked lower than
81% of the 1682 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.67 vs. LPSB: 21.44 )
Ranked among companies with meaningful P/E(ttm) only.
LPSB' s P/E(ttm) Range Over the Past 10 Years
Min: 7.39  Med: 15.36 Max: 21.44
Current: 21.44
7.39
21.44
PE(NRI) 21.44
LPSB's PE(NRI) is ranked lower than
81% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.86 vs. LPSB: 21.44 )
Ranked among companies with meaningful PE(NRI) only.
LPSB' s PE(NRI) Range Over the Past 10 Years
Min: 7.39  Med: 15.36 Max: 21.44
Current: 21.44
7.39
21.44
Price/Owner Earnings (ttm) 18.28
LPSB's Price/Owner Earnings (ttm) is ranked lower than
73% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.62 vs. LPSB: 18.28 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
LPSB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.04  Med: 12.30 Max: 19.79
Current: 18.28
7.04
19.79
P/B 1.10
LPSB's P/B is ranked lower than
55% of the 1759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. LPSB: 1.10 )
Ranked among companies with meaningful P/B only.
LPSB' s P/B Range Over the Past 10 Years
Min: 0.38  Med: 0.76 Max: 1.1
Current: 1.1
0.38
1.1
P/S 4.74
LPSB's P/S is ranked lower than
79% of the 1761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. LPSB: 4.74 )
Ranked among companies with meaningful P/S only.
LPSB' s P/S Range Over the Past 10 Years
Min: 0.35  Med: 2.61 Max: 4.74
Current: 4.74
0.35
4.74
PFCF 15.35
LPSB's PFCF is ranked lower than
72% of the 918 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.16 vs. LPSB: 15.35 )
Ranked among companies with meaningful PFCF only.
LPSB' s PFCF Range Over the Past 10 Years
Min: 4.81  Med: 10.63 Max: 664.29
Current: 15.35
4.81
664.29
POCF 14.40
LPSB's POCF is ranked lower than
76% of the 1025 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.89 vs. LPSB: 14.40 )
Ranked among companies with meaningful POCF only.
LPSB' s POCF Range Over the Past 10 Years
Min: 1.41  Med: 8.95 Max: 58.95
Current: 14.4
1.41
58.95
EV-to-EBIT 27.31
LPSB's EV-to-EBIT is ranked lower than
84% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. LPSB: 27.31 )
Ranked among companies with meaningful EV-to-EBIT only.
LPSB' s EV-to-EBIT Range Over the Past 10 Years
Min: -216.6  Med: 26.80 Max: 1320.5
Current: 27.31
-216.6
1320.5
EV-to-EBITDA 24.14
LPSB's EV-to-EBITDA is ranked lower than
84% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.75 vs. LPSB: 24.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
LPSB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 13.6  Med: 23.60 Max: 391.6
Current: 24.14
13.6
391.6
PEG 7.13
LPSB's PEG is ranked lower than
92% of the 731 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. LPSB: 7.13 )
Ranked among companies with meaningful PEG only.
LPSB' s PEG Range Over the Past 10 Years
Min: 0.31  Med: 6.76 Max: 14.68
Current: 7.13
0.31
14.68
Shiller P/E 36.20
LPSB's Shiller P/E is ranked lower than
88% of the 491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.16 vs. LPSB: 36.20 )
Ranked among companies with meaningful Shiller P/E only.
LPSB' s Shiller P/E Range Over the Past 10 Years
Min: 29.64  Med: 32.34 Max: 36.49
Current: 36.2
29.64
36.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.93
LPSB's Dividend Yield is ranked lower than
91% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. LPSB: 0.93 )
Ranked among companies with meaningful Dividend Yield only.
LPSB' s Dividend Yield Range Over the Past 10 Years
Min: 0.44  Med: 1.31 Max: 1.88
Current: 0.93
0.44
1.88
Dividend Payout 0.20
LPSB's Dividend Payout is ranked higher than
76% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. LPSB: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
LPSB' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.22 Max: 4
Current: 0.2
0.16
4
Forward Dividend Yield 0.93
LPSB's Forward Dividend Yield is ranked lower than
92% of the 2109 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. LPSB: 0.93 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.93
LPSB's Yield on cost (5-Year) is ranked lower than
91% of the 2505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.58 vs. LPSB: 0.93 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LPSB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.44  Med: 1.31 Max: 1.88
Current: 0.93
0.44
1.88
3-Year Average Share Buyback Ratio 3.50
LPSB's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. LPSB: 3.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
LPSB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -10.6  Med: 3.50 Max: 0
Current: 3.5
-10.6
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.23
LPSB's Price/Tangible Book is ranked lower than
56% of the 1747 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. LPSB: 1.23 )
Ranked among companies with meaningful Price/Tangible Book only.
LPSB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.51  Med: 0.88 Max: 1.13
Current: 1.23
0.51
1.13
Price/Projected FCF 0.74
LPSB's Price/Projected FCF is ranked lower than
59% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. LPSB: 0.74 )
Ranked among companies with meaningful Price/Projected FCF only.
LPSB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.60 Max: 0.9
Current: 0.74
0.52
0.9
Price/Median PS Value 1.81
LPSB's Price/Median PS Value is ranked lower than
93% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. LPSB: 1.81 )
Ranked among companies with meaningful Price/Median PS Value only.
LPSB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.14  Med: 0.98 Max: 1.67
Current: 1.81
0.14
1.67
Price/Graham Number 1.08
LPSB's Price/Graham Number is ranked lower than
70% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. LPSB: 1.08 )
Ranked among companies with meaningful Price/Graham Number only.
LPSB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 0.79 Max: 0.99
Current: 1.08
0.42
0.99
Earnings Yield (Greenblatt) (%) 3.70
LPSB's Earnings Yield (Greenblatt) (%) is ranked lower than
76% of the 1803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. LPSB: 3.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LPSB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 3.60 Max: 6.5
Current: 3.7
0.1
6.5
Forward Rate of Return (Yacktman) (%) 8.20
LPSB's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 844 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.22 vs. LPSB: 8.20 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LPSB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 4.1  Med: 8.70 Max: 56.2
Current: 8.2
4.1
56.2

More Statistics

Revenue (TTM) (Mil) $19.38
EPS (TTM) $ 0.80
Beta0.33
Short Percentage of Float1.03%
52-Week Range $13.47 - 17.30
Shares Outstanding (Mil)5.58
» More Articles for LPSB

Headlines

Articles On GuruFocus.com

More From Other Websites
LAPORTE BANCORP, INC. Files SEC form 8-K/A, Completion of Acquisition or Disposition of Assets Jul 26 2016
LAPORTE BANCORP, INC. Files SEC form 8-K, Completion of Acquisition or Disposition of Assets, Notice... Jul 18 2016
Horizon Bancorp Announces Closing of LaPorte Bancorp, Inc. Merger Jul 18 2016
LAPORTE BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jul 12 2016
LAPORTE BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 24 2016
Horizon Bancorp and LaPorte Bancorp, Inc. Announce Receipt of Regulatory Approvals and Election... Jun 16 2016
Horizon Bancorp and LaPorte Bancorp, Inc. Announce Receipt of Regulatory Approvals and Election... Jun 16 2016
LAPORTE BANCORP, INC. Financials May 13 2016
LAPORTE BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 05 2016
LaPorte Bancorp, Inc. :LPSB-US: Earnings Analysis: Q1, 2016 By the Numbers May 02 2016
LaPorte Bancorp, Inc. Announces First Quarter 2016 Earnings Apr 28 2016
LaPorte Bancorp, Inc. Announces Quarterly Cash Dividend Apr 28 2016
LAPORTE BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Other... Apr 27 2016
LAPORTE BANCORP, INC. Files SEC form 10-K, Annual Report Mar 24 2016
LAPORTE BANCORP, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Mar 14 2016
Horizon Bancorp and LaPorte Bancorp, Inc. Announce the Signing of a Merger Agreement Mar 10 2016
LaPorte Bancorp, Inc. Earnings Analysis: 2015 By the Numbers Feb 09 2016
LAPORTE BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 05 2016
LaPorte Bancorp, Inc. Announces Quarterly Cash Dividend Jan 21 2016
LAPORTE BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 20 2016

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