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10.23 (1y: +14%)
Market Cap 61.49 M P/E(ttm) 12.60
Enterprise Value 115.36 M P/B 0.76
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GuruFocus Financial Strength Rank measures how strong a companyย’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 2.715
LPSB's Cash to Debt is ranked lower than
72% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. LPSB: 2.715 )
LPSB' s 10-Year Cash to Debt Range
Min: 0.07   Max: 2.72
Current: 2.72
0.07
2.72
Equity to Asset 0.152
LPSB's Equity to Asset is ranked higher than
69% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. LPSB: 0.152 )
LPSB' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.15
Current: 0.15
0.09
0.15
Interest Coverage No Debt
LPSB's Interest Coverage is ranked higher than
90% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. LPSB: No Debt )
LPSB' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.39
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry		 vs
history
Operating margin (%) 31.10
LPSB's Operating margin (%) is ranked higher than
81% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 25.80 vs. LPSB: 31.10 )
LPSB' s 10-Year Operating margin (%) Range
Min: -8.7   Max: 31.1
Current: 31.1
-8.7
31.1
Net-margin (%) 23
LPSB's Net-margin (%) is ranked higher than
79% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. LPSB: 23 )
LPSB' s 10-Year Net-margin (%) Range
Min: -4.1   Max: 23
Current: 23
-4.1
23
ROE (%) 5.1
LPSB's ROE (%) is ranked higher than
69% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. LPSB: 5.1 )
LPSB' s 10-Year ROE (%) Range
Min: -1   Max: 7.6
Current: 5.1
-1
7.6
ROA (%) 0.9
LPSB's ROA (%) is ranked higher than
72% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. LPSB: 0.9 )
LPSB' s 10-Year ROA (%) Range
Min: -0.1   Max: 0.9
Current: 0.9
-0.1
0.9
Revenue Growth (%) -1.5
LPSB's Revenue Growth (%) is ranked lower than
92% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. LPSB: -1.5 )
LPSB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 11.4
Current: -1.5
0
11.4
EBITDA Growth (%) 5.6
LPSB's EBITDA Growth (%) is ranked lower than
97% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.10 vs. LPSB: 5.6 )
LPSB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 106.9
Current: 5.6
0
106.9
EPS Growth (%) 6.5
LPSB's EPS Growth (%) is ranked lower than
96% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.40 vs. LPSB: 6.5 )
LPSB' s 10-Year EPS Growth (%) Range
Min: 0   Max: 6.5
Current: 6.5
0
6.5
ยป LPSB's 10-Y Financials

Financials


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

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Ratios

vs
industry		 vs
history
P/E(ttm) 12.60
LPSB's P/E(ttm) is ranked lower than
92% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. LPSB: 12.60 )
LPSB' s 10-Year P/E(ttm) Range
Min: 7.39   Max: 185
Current: 12.6
7.39
185
P/B 0.76
LPSB's P/B is ranked lower than
99% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. LPSB: 0.76 )
LPSB' s 10-Year P/B Range
Min: 0.07   Max: 1.24
Current: 0.76
0.07
1.24
P/S 3.40
LPSB's P/S is ranked lower than
98% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. LPSB: 3.40 )
LPSB' s 10-Year P/S Range
Min: 0.35   Max: 3.44
Current: 3.4
0.35
3.44
PFCF 9.65
LPSB's PFCF is ranked lower than
99% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. LPSB: 9.65 )
LPSB' s 10-Year PFCF Range
Min: 1.41   Max: 43.75
Current: 9.65
1.41
43.75
EV-to-EBIT 19.13
LPSB's EV-to-EBIT is ranked higher than
62% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.90 vs. LPSB: 19.13 )
LPSB' s 10-Year EV-to-EBIT Range
Min: 13.4   Max: 1320.5
Current: 19.13
13.4
1320.5
PEG 0.15
LPSB's PEG is ranked higher than
68% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.29 vs. LPSB: 0.15 )
LPSB' s 10-Year PEG Range
Min: 0   Max: 2.1
Current: 0.15
0
2.1
Shiller P/E 18.35
LPSB's Shiller P/E is ranked lower than
96% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.60 vs. LPSB: 18.35 )
LPSB' s 10-Year Shiller P/E Range
Min: 13.74   Max: 18.5
Current: 18.35
13.74
18.5

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.56
LPSB's Dividend Yield is ranked higher than
60% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. LPSB: 1.56 )
LPSB' s 10-Year Dividend Yield Range
Min: 0.44   Max: 1.88
Current: 1.56
0.44
1.88
Dividend Payout 0.3
LPSB's Dividend Payout is ranked higher than
93% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.42 vs. LPSB: 0.3 )
LPSB' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.22
Current: 0.3
0.06
0.22
Yield on cost (5-Year) 1.60
LPSB's Yield on cost (5-Year) is ranked higher than
66% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. LPSB: 1.60 )
LPSB' s 10-Year Yield on cost (5-Year) Range
Min: 0.44   Max: 1.88
Current: 1.6
0.44
1.88
Share Buyback Rate -7.2
LPSB's Share Buyback Rate is ranked higher than
91% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.75 vs. LPSB: -7.2 )
LPSB' s 10-Year Share Buyback Rate Range
Min: 0   Max: -69.2
Current: -7.2

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.9
LPSB's Price/Tangible Book is ranked higher than
64% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. LPSB: 0.9 )
LPSB' s 10-Year Price/Tangible Book Range
Min: 0.1   Max: 1
Current: 0.9
0.1
1
Price/DCF (Projected) 1.1
LPSB's Price/DCF (Projected) is ranked lower than
97% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. LPSB: 1.1 )
LPSB' s 10-Year Price/DCF (Projected) Range
Min: 0.9   Max: 0.9
Current: 1.1
Price/Median PS Value 1.5
LPSB's Price/Median PS Value is ranked higher than
95% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. LPSB: 1.5 )
LPSB' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 1.2
Current: 1.5
0.2
1.2
Price/Graham Number 0.7
LPSB's Price/Graham Number is ranked higher than
58% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. LPSB: 0.7 )
LPSB' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 0.8
Current: 0.7
0.2
0.8
Earnings Yield (Greenblatt) 5.20
LPSB's Earnings Yield (Greenblatt) is ranked lower than
83% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. LPSB: 5.20 )
LPSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 7.4
Current: 5.2
0.1
7.4
Forward Rate of Return (Yacktman) 7.66
LPSB's Forward Rate of Return (Yacktman) is ranked lower than
57% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.01 vs. LPSB: 7.66 )
LPSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.4   Max: 9.6
Current: 7.66
6.4
9.6

Business Description

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 primarily 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. 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 1, 3, 5, 7, or 10 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.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
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