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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 0.22
LPSB's Cash to Debt is ranked lower than
83% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. LPSB: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
LPSB' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.16 Max: N/A
Current: 0.22
Equity to Asset 0.16
LPSB's Equity to Asset is ranked higher than
86% of the 1578 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: 0.12 Max: 0.18
Current: 0.16
0.1
0.18
Interest Coverage 1.96
LPSB's Interest Coverage is ranked higher than
53% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. LPSB: 1.96 )
Ranked among companies with meaningful Interest Coverage only.
LPSB' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.56 Max: 1.66
Current: 1.96
0.12
1.66
F-Score: 5
WACC vs ROIC
3.16%
2.79%
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 (%) 28.46
LPSB's Operating margin (%) is ranked lower than
57% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. LPSB: 28.46 )
Ranked among companies with meaningful Operating margin (%) only.
LPSB' s Operating margin (%) Range Over the Past 10 Years
Min: -247.55  Med: 18.83 Max: 31.08
Current: 28.46
-247.55
31.08
Net-margin (%) 23.76
LPSB's Net-margin (%) is ranked higher than
55% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. LPSB: 23.76 )
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: 42.33
Current: 23.76
-3.7
42.33
ROE (%) 5.24
LPSB's ROE (%) is ranked lower than
72% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. LPSB: 5.24 )
Ranked among companies with meaningful ROE (%) only.
LPSB' s ROE (%) Range Over the Past 10 Years
Min: -0.86  Med: 5.04 Max: 6.13
Current: 5.24
-0.86
6.13
ROA (%) 0.83
LPSB's ROA (%) is ranked lower than
53% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. LPSB: 0.83 )
Ranked among companies with meaningful ROA (%) only.
LPSB' s ROA (%) Range Over the Past 10 Years
Min: -0.11  Med: 0.63 Max: 0.88
Current: 0.83
-0.11
0.88
Revenue Growth (3Y)(%) 5.00
LPSB's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. LPSB: 5.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LPSB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -20.15 Max: 5.3
Current: 5
0
5.3
EBITDA Growth (3Y)(%) 8.10
LPSB's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. LPSB: 8.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LPSB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -16.85 Max: 141
Current: 8.1
0
141
EPS Growth (3Y)(%) 13.60
LPSB's EPS Growth (3Y)(%) is ranked higher than
64% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. LPSB: 13.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LPSB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 13.6
Current: 13.6
0
13.6
» LPSB's 10-Y Financials

Financials


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

» Details

Guru Trades

LPSB Guru Trades in

Q1 2015

LPSB Guru Trades in Q1 2015

John Keeley 15,000 sh (New)
» More
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
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 17.88
LPSB's P/E(ttm) is ranked lower than
80% of the 2164 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.39 vs. LPSB: 17.88 )
Ranked among companies with meaningful P/E(ttm) only.
LPSB' s P/E(ttm) Range Over the Past 10 Years
Min: 7.42  Med: 14.80 Max: 460.91
Current: 17.88
7.42
460.91
Forward P/E 9.93
LPSB's Forward P/E is ranked lower than
57% of the 1322 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.27 vs. LPSB: 9.93 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.98
LPSB's PE(NRI) is ranked lower than
78% of the 1679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. LPSB: 17.98 )
Ranked among companies with meaningful PE(NRI) only.
LPSB' s PE(NRI) Range Over the Past 10 Years
Min: 7.39  Med: 14.79 Max: 507
Current: 17.98
7.39
507
P/B 0.96
LPSB's P/B is ranked higher than
52% of the 2247 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. LPSB: 0.96 )
Ranked among companies with meaningful P/B only.
LPSB' s P/B Range Over the Past 10 Years
Min: 0.38  Med: 0.75 Max: 1.01
Current: 0.96
0.38
1.01
P/S 4.27
LPSB's P/S is ranked lower than
81% of the 2511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.55 vs. LPSB: 4.27 )
Ranked among companies with meaningful P/S only.
LPSB' s P/S Range Over the Past 10 Years
Min: 0.35  Med: 2.63 Max: 4.48
Current: 4.27
0.35
4.48
PFCF 10.95
LPSB's PFCF is ranked lower than
62% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. LPSB: 10.95 )
Ranked among companies with meaningful PFCF only.
LPSB' s PFCF Range Over the Past 10 Years
Min: 4.81  Med: 10.40 Max: 465
Current: 10.95
4.81
465
POCF 10.17
LPSB's POCF is ranked lower than
66% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. LPSB: 10.17 )
Ranked among companies with meaningful POCF only.
LPSB' s POCF Range Over the Past 10 Years
Min: 1.41  Med: 8.54 Max: 46.09
Current: 10.17
1.41
46.09
EV-to-EBIT 32.56
LPSB's EV-to-EBIT is ranked lower than
86% of the 2121 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.36 vs. LPSB: 32.56 )
Ranked among companies with meaningful EV-to-EBIT only.
LPSB' s EV-to-EBIT Range Over the Past 10 Years
Min: -216.6  Med: 27.70 Max: 1320.5
Current: 32.56
-216.6
1320.5
EV-to-EBITDA 28.76
LPSB's EV-to-EBITDA is ranked lower than
87% of the 2129 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.08 vs. LPSB: 28.76 )
Ranked among companies with meaningful EV-to-EBITDA only.
LPSB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 13.5  Med: 24.50 Max: 376.3
Current: 28.76
13.5
376.3
PEG 4.53
LPSB's PEG is ranked lower than
90% of the 622 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. LPSB: 4.53 )
Ranked among companies with meaningful PEG only.
LPSB' s PEG Range Over the Past 10 Years
Min: 0.31  Med: 2.62 Max: 6.23
Current: 4.53
0.31
6.23
Shiller P/E 28.02
LPSB's Shiller P/E is ranked lower than
84% of the 681 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.38 vs. LPSB: 28.02 )
Ranked among companies with meaningful Shiller P/E only.
LPSB' s Shiller P/E Range Over the Past 10 Years
Min: 25.57  Med: 28.01 Max: 29.4
Current: 28.02
25.57
29.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.10
LPSB's Dividend Yield is ranked lower than
88% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. LPSB: 1.10 )
Ranked among companies with meaningful Dividend Yield only.
LPSB' s Dividend Yield Range Over the Past 10 Years
Min: 0.44  Med: 1.40 Max: 1.88
Current: 1.1
0.44
1.88
Dividend Payout 0.20
LPSB's Dividend Payout is ranked higher than
74% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 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: 0.49
Current: 0.2
0.16
0.49
Dividend Growth (3y) 58.70
LPSB's Dividend Growth (3y) is ranked higher than
95% of the 730 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.00 vs. LPSB: 58.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
LPSB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 58.7
Current: 58.7
0
58.7
Forward Dividend Yield 1.10
LPSB's Forward Dividend Yield is ranked lower than
91% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. LPSB: 1.10 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.10
LPSB's Yield on cost (5-Year) is ranked lower than
87% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. LPSB: 1.10 )
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: 1.40 Max: 1.88
Current: 1.1
0.44
1.88
3-Year Average Share Buyback Ratio 2.50
LPSB's 3-Year Average Share Buyback Ratio is ranked higher than
93% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. LPSB: 2.50 )
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: -101.7  Med: 1.25 Max: 0
Current: 2.5
-101.7
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.07
LPSB's Price/Tangible Book is ranked higher than
51% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. LPSB: 1.07 )
Ranked among companies with meaningful Price/Tangible Book only.
LPSB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.51  Med: 0.87 Max: 1.09
Current: 1.07
0.51
1.09
Price/Projected FCF 0.65
LPSB's Price/Projected FCF is ranked lower than
52% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. LPSB: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
LPSB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.51  Med: 0.60 Max: 1.26
Current: 0.65
0.51
1.26
Price/Median PS Value 1.62
LPSB's Price/Median PS Value is ranked lower than
93% of the 2108 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. LPSB: 1.62 )
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: 0.99 Max: 1.64
Current: 1.62
0.14
1.64
Price/Graham Number 0.92
LPSB's Price/Graham Number is ranked lower than
61% of the 2062 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. LPSB: 0.92 )
Ranked among companies with meaningful Price/Graham Number only.
LPSB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 0.76 Max: 3.75
Current: 0.92
0.42
3.75
Earnings Yield (Greenblatt) (%) 3.11
LPSB's Earnings Yield (Greenblatt) (%) is ranked lower than
78% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. LPSB: 3.11 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LPSB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 3.30 Max: 6.5
Current: 3.11
0.1
6.5
Forward Rate of Return (Yacktman) (%) 9.93
LPSB's Forward Rate of Return (Yacktman) (%) is ranked lower than
61% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. LPSB: 9.93 )
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: 9.20 Max: 56.2
Current: 9.93
4.1
56.2

More Statistics

Revenue(Mil) $18
EPS $ 0.82
Beta0.24
Short Percentage of Float0.08%
52-Week Range $12.49 - 15.50
Shares Outstanding(Mil)5.57

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
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 eight full-service locations in LaPorte and Porter Counties, Indiana. 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.
» More Articles for LPSB

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