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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 2.63
LSBI's Cash to Debt is ranked higher than
81% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. LSBI: 2.63 )
LSBI' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 2.63

Equity to Asset 0.11
LSBI's Equity to Asset is ranked higher than
76% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. LSBI: 0.11 )
LSBI' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.11

0.08
0.12
Interest Coverage 1.69
LSBI's Interest Coverage is ranked higher than
73% of the 1845 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. LSBI: 1.69 )
LSBI' s 10-Year Interest Coverage Range
Min: 0.04   Max: 1.69
Current: 1.69

0.04
1.69
F-Score: 4
Z-Score: 0.33
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 : 7/10

vs
industry
vs
history
Operating margin (%) 23.06
LSBI's Operating margin (%) is ranked higher than
65% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.47 vs. LSBI: 23.06 )
LSBI' s 10-Year Operating margin (%) Range
Min: 2.91   Max: 35.82
Current: 23.06

2.91
35.82
Net-margin (%) 13.92
LSBI's Net-margin (%) is ranked higher than
61% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. LSBI: 13.92 )
LSBI' s 10-Year Net-margin (%) Range
Min: 3.26   Max: 22.39
Current: 13.92

3.26
22.39
ROE (%) 4.91
LSBI's ROE (%) is ranked higher than
62% of the 2042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. LSBI: 4.91 )
LSBI' s 10-Year ROE (%) Range
Min: 1.35   Max: 11.23
Current: 4.91

1.35
11.23
ROA (%) 0.55
LSBI's ROA (%) is ranked higher than
64% of the 2045 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. LSBI: 0.55 )
LSBI' s 10-Year ROA (%) Range
Min: 0.12   Max: 0.97
Current: 0.55

0.12
0.97
ROC (Joel Greenblatt) (%) 42.49
LSBI's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 2013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. LSBI: 42.49 )
LSBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 4.82   Max: 63.43
Current: 42.49

4.82
63.43
Revenue Growth (3Y)(%) -1.40
LSBI's Revenue Growth (3Y)(%) is ranked higher than
68% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. LSBI: -1.40 )
LSBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 21.3
Current: -1.4

0
21.3
EBITDA Growth (3Y)(%) 7.00
LSBI's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. LSBI: 7.00 )
LSBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 73.6
Current: 7

0
73.6
EPS Growth (3Y)(%) 6.00
LSBI's EPS Growth (3Y)(%) is ranked higher than
72% of the 1550 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. LSBI: 6.00 )
LSBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -47.5   Max: 78.3
Current: 6

-47.5
78.3
» LSBI's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 34.30
LSBI's P/E(ttm) is ranked higher than
67% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.00 vs. LSBI: 34.30 )
LSBI' s 10-Year P/E(ttm) Range
Min: 8.52   Max: 55.38
Current: 34.3

8.52
55.38
P/B 1.64
LSBI's P/B is ranked higher than
66% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. LSBI: 1.64 )
LSBI' s 10-Year P/B Range
Min: 0.39   Max: 1.64
Current: 1.64

0.39
1.64
P/S 4.78
LSBI's P/S is ranked higher than
66% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.59 vs. LSBI: 4.78 )
LSBI' s 10-Year P/S Range
Min: 0.98   Max: 6.41
Current: 4.78

0.98
6.41
PFCF 27.94
LSBI's PFCF is ranked higher than
75% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. LSBI: 27.94 )
LSBI' s 10-Year PFCF Range
Min: 2.14   Max: 39.21
Current: 27.94

2.14
39.21
EV-to-EBIT 15.72
LSBI's EV-to-EBIT is ranked higher than
76% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.57 vs. LSBI: 15.72 )
LSBI' s 10-Year EV-to-EBIT Range
Min: 2.3   Max: 147.4
Current: 15.72

2.3
147.4
PEG 0.83
LSBI's PEG is ranked higher than
92% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. LSBI: 0.83 )
LSBI' s 10-Year PEG Range
Min: 0.69   Max: 10.6
Current: 0.83

0.69
10.6
Shiller P/E 39.73
LSBI's Shiller P/E is ranked higher than
79% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. LSBI: 39.73 )
LSBI' s 10-Year Shiller P/E Range
Min: 4.91   Max: 39.73
Current: 39.73

4.91
39.73

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.78
LSBI's Dividend Yield is ranked lower than
88% of the 1880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.31 vs. LSBI: 0.78 )
LSBI' s 10-Year Dividend Yield Range
Min: 0.21   Max: 10.29
Current: 0.78

0.21
10.29
Dividend Payout 0.25
LSBI's Dividend Payout is ranked higher than
82% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. LSBI: 0.25 )
LSBI' s 10-Year Dividend Payout Range
Min: 0.12   Max: 6.25
Current: 0.25

0.12
6.25
Dividend growth (3y) -1.40
LSBI's Dividend growth (3y) is ranked higher than
69% of the 1131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. LSBI: -1.40 )
LSBI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 30.4
Current: -1.4

0
30.4
Yield on cost (5-Year) 0.78
LSBI's Yield on cost (5-Year) is ranked lower than
86% of the 1893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. LSBI: 0.78 )
LSBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.21   Max: 10.29
Current: 0.78

0.21
10.29
Share Buyback Rate -0.20
LSBI's Share Buyback Rate is ranked higher than
84% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. LSBI: -0.20 )
LSBI' s 10-Year Share Buyback Rate Range
Min: 0   Max: -2.4
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
LSBI's Price/Tangible Book is ranked higher than
71% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. LSBI: 1.60 )
LSBI' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 1.61
Current: 1.6

0.44
1.61
Price/DCF (Projected) 1.00
LSBI's Price/DCF (Projected) is ranked higher than
79% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.17 vs. LSBI: 1.00 )
LSBI' s 10-Year Price/DCF (Projected) Range
Min: 0.23   Max: 1.14
Current: 1

0.23
1.14
Price/Median PS Value 2.10
LSBI's Price/Median PS Value is ranked higher than
63% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. LSBI: 2.10 )
LSBI' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 4.67
Current: 2.1

0.45
4.67
Price/Peter Lynch Fair Value 1.40
LSBI's Price/Peter Lynch Fair Value is ranked higher than
91% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. LSBI: 1.40 )
LSBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3   Max: 2.93
Current: 1.4

0.3
2.93
Price/Graham Number 1.60
LSBI's Price/Graham Number is ranked higher than
67% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. LSBI: 1.60 )
LSBI' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 1.52
Current: 1.6

0.42
1.52
Earnings Yield (Greenblatt) 6.40
LSBI's Earnings Yield (Greenblatt) is ranked higher than
72% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. LSBI: 6.40 )
LSBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 43.7
Current: 6.4

0.7
43.7
Forward Rate of Return (Yacktman) 35.37
LSBI's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 1250 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.90 vs. LSBI: 35.37 )
LSBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.6   Max: 37.2
Current: 35.37

-3.6
37.2

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
LSB Financial Corp is an Indiana corporation which was organized in 1994. The Company's business consists of attracting retail deposits from the general public and investing those funds mainly in permanent first mortgage loans secured by owner-occupied, one- to four-family residences, and to a lesser extent, non-owner occupied one- to four-family residential, commercial real estate, multi-family, construction and development, consumer and commercial business loans. They currently serve Tippecanoe County, Indiana and its surrounding counties through its retail banking offices. Its main lending activity is the origination of conventional mortgage loans for the purpose of purchasing, constructing, or refinancing owner-occupied one- to four-family residential real estate located in its main market area. Its lending program focuses on the origination of permanent loans secured by mortgages on owner-occupied, one- to four-family residences. It also originates loans secured by non-owner occupied, one- to four-family residences, fixed rate mortgage loans to owner-occupants with maturities up to 30 years and which conform to Freddie Mac standards. The Company originates permanent loans secured by multi-family and commercial real estate. Its permanent multi-family and commercial real estate loan portfolio includes loans secured by apartment buildings, office buildings, churches, warehouses, retail stores, restaurants, shopping centers, small business facilities and farm properties, many of which are located within its main market area. It makes construction loans to individuals for the construction of its residences as well as to builders and developers for the construction of one- to four-family residences, multi-family dwellings and commercial real estate projects. It originates different types of consumer loans, including home equity loans, direct automobile loans, home improvement loans, deposit account loans and other secured and unsecured loans for household and personal purposes. Its sources of funds are deposits, repayment and prepayment of loans, interest earned on or maturation of investment securities and short-term investments, borrowings and funds provided from operations. The Company offers deposit accounts which consist of statement savings accounts, money market accounts, NOW accounts and certificate accounts. The Company's other source of funds include borrowings from the Federal Home Loan Bank (FHLB) of Indianapolis and other borrowings. As a member of the FHLB of Indianapolis, it required to own capital stock in the FHLB and are authorized to apply for borrowings from the FHLB. The FHLB of Indianapolis is required to provide funds for the resolution of troubled savings associations and to contribute to affordable housing programs through direct loans or interest subsidies on advances targeted for community investment and low- and moderate-income housing projects. The Company faces competition, both in originating real es
» More Articles for LSBI

Headlines

Articles On GuruFocus.com
LSB Financial Corp. Reports Operating Results (10-K) Mar 16 2011 
LSB Financial Corp. Reports Operating Results (10-Q) Aug 13 2010 
LSB Financial Corp. Reports Operating Results (10-Q) May 17 2010 
LSB Financial Corp. Reports Operating Results (10-Q) Nov 16 2009 
LSB Financial Corp. Reports Operating Results (10-Q) Aug 14 2009 
LSB Financial Corp. Reports Operating Results (10-Q) May 15 2009 

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