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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 0.24
LPSB's Cash to Debt is ranked higher than
57% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. LPSB: 0.24 )
LPSB' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.24

Equity to Asset 0.15
LPSB's Equity to Asset is ranked higher than
92% of the 1732 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. LPSB: 0.15 )
LPSB' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.18
Current: 0.15

0.1
0.18
Interest Coverage 1.53
LPSB's Interest Coverage is ranked higher than
71% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. LPSB: 1.53 )
LPSB' s 10-Year Interest Coverage Range
Min: 0.12   Max: 1.53
Current: 1.53

0.12
1.53
F-Score: 4
Z-Score: 0.28
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 (%) 28.02
LPSB's Operating margin (%) is ranked higher than
74% of the 1755 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.45 vs. LPSB: 28.02 )
LPSB' s 10-Year Operating margin (%) Range
Min: -5654.24   Max: 31.08
Current: 28.02

-5654.24
31.08
Net-margin (%) 23.08
LPSB's Net-margin (%) is ranked higher than
78% of the 1762 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.29 vs. LPSB: 23.08 )
LPSB' s 10-Year Net-margin (%) Range
Min: -203.39   Max: 42.09
Current: 23.08

-203.39
42.09
ROE (%) 4.65
LPSB's ROE (%) is ranked higher than
62% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. LPSB: 4.65 )
LPSB' s 10-Year ROE (%) Range
Min: -1   Max: 7.65
Current: 4.65

-1
7.65
ROA (%) 0.72
LPSB's ROA (%) is ranked higher than
72% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. LPSB: 0.72 )
LPSB' s 10-Year ROA (%) Range
Min: -0.11   Max: 0.87
Current: 0.72

-0.11
0.87
ROC (Joel Greenblatt) (%) 50.30
LPSB's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 1726 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 68.75 vs. LPSB: 50.30 )
LPSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -8.04   Max: 60.38
Current: 50.3

-8.04
60.38
Revenue Growth (%) -9.00
LPSB's Revenue Growth (%) is ranked higher than
57% of the 1536 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. LPSB: -9.00 )
LPSB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 5.3
Current: -9

0
5.3
EBITDA Growth (%) 3.10
LPSB's EBITDA Growth (%) is ranked higher than
69% of the 1385 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. LPSB: 3.10 )
LPSB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 141
Current: 3.1

0
141
EPS Growth (%) 6.00
LPSB's EPS Growth (%) is ranked higher than
72% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. LPSB: 6.00 )
LPSB' s 10-Year EPS Growth (%) Range
Min: 0   Max: 8.7
Current: 6

0
8.7
» LPSB's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with LPSB

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Ratios

vs
industry
vs
history
P/E(ttm) 16.90
LPSB's P/E(ttm) is ranked higher than
64% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.70 vs. LPSB: 16.90 )
LPSB' s 10-Year P/E(ttm) Range
Min: 7.42   Max: 460.55
Current: 16.9

7.42
460.55
P/B 0.80
LPSB's P/B is ranked higher than
86% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. LPSB: 0.80 )
LPSB' s 10-Year P/B Range
Min: 0.07   Max: 0.91
Current: 0.8

0.07
0.91
P/S 3.84
LPSB's P/S is ranked higher than
61% of the 1711 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. LPSB: 3.84 )
LPSB' s 10-Year P/S Range
Min: 0.35   Max: 4.09
Current: 3.84

0.35
4.09
PFCF 14.38
LPSB's PFCF is ranked higher than
55% of the 982 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. LPSB: 14.38 )
LPSB' s 10-Year PFCF Range
Min: 1.41   Max: 38.75
Current: 14.38

1.41
38.75
EV-to-EBIT 31.59
LPSB's EV-to-EBIT is ranked higher than
64% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.25 vs. LPSB: 31.59 )
LPSB' s 10-Year EV-to-EBIT Range
Min: 15.3   Max: 1320.5
Current: 31.59

15.3
1320.5
PEG 3.67
LPSB's PEG is ranked higher than
81% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. LPSB: 3.67 )
LPSB' s 10-Year PEG Range
Min: 0.31   Max: 2.96
Current: 3.67

0.31
2.96
Shiller P/E 19.56
LPSB's Shiller P/E is ranked higher than
69% of the 1093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.35 vs. LPSB: 19.56 )
LPSB' s 10-Year Shiller P/E Range
Min: 18.14   Max: 32.28
Current: 19.56

18.14
32.28

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.41
LPSB's Dividend Yield is ranked lower than
72% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.38 vs. LPSB: 1.41 )
LPSB' s 10-Year Dividend Yield Range
Min: 0.44   Max: 1.88
Current: 1.41

0.44
1.88
Dividend Payout 0.24
LPSB's Dividend Payout is ranked higher than
80% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.47 vs. LPSB: 0.24 )
LPSB' s 10-Year Dividend Payout Range
Min: 0.17   Max: 0.49
Current: 0.24

0.17
0.49
Yield on cost (5-Year) 1.40
LPSB's Yield on cost (5-Year) is ranked lower than
70% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. LPSB: 1.40 )
LPSB' s 10-Year Yield on cost (5-Year) Range
Min: 0.44   Max: 1.88
Current: 1.4

0.44
1.88
Share Buyback Rate -9.40
LPSB's Share Buyback Rate is ranked higher than
59% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. LPSB: -9.40 )
LPSB' s 10-Year Share Buyback Rate Range
Min: 0   Max: -101.7
Current: -9.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
LPSB's Price/Tangible Book is ranked higher than
87% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.44 vs. LPSB: 0.90 )
LPSB' s 10-Year Price/Tangible Book Range
Min: 0.1   Max: 1.03
Current: 0.9

0.1
1.03
Price/DCF (Projected) 0.58
LPSB's Price/DCF (Projected) is ranked higher than
74% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. LPSB: 0.58 )
LPSB' s 10-Year Price/DCF (Projected) Range
Min: 0.48   Max: 1.16
Current: 0.58

0.48
1.16
Price/Median PS Value 1.61
LPSB's Price/Median PS Value is ranked higher than
59% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. LPSB: 1.61 )
LPSB' s 10-Year Price/Median PS Value Range
Min: 0.15   Max: 1.62
Current: 1.61

0.15
1.62
Price/Peter Lynch Fair Value 2.96
LPSB's Price/Peter Lynch Fair Value is ranked higher than
85% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. LPSB: 2.96 )
LPSB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6   Max: 2.83
Current: 2.96

0.6
2.83
Price/Graham Number 0.84
LPSB's Price/Graham Number is ranked higher than
76% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. LPSB: 0.84 )
LPSB' s 10-Year Price/Graham Number Range
Min: 0.15   Max: 5.22
Current: 0.84

0.15
5.22
Earnings Yield (Greenblatt) 3.20
LPSB's Earnings Yield (Greenblatt) is ranked higher than
55% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. LPSB: 3.20 )
LPSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 6.5
Current: 3.2

0.1
6.5
Forward Rate of Return (Yacktman) 11.91
LPSB's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.46 vs. LPSB: 11.91 )
LPSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.1   Max: 60.5
Current: 11.91

4.1
60.5

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 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. 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.

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