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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
58% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. LSBI: 2.63 )
Ranked among companies with meaningful Cash to Debt only.
LSBI' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.14 Max: No Debt
Current: 2.63
Equity to Asset 0.11
LSBI's Equity to Asset is ranked higher than
61% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. LSBI: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
LSBI' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.12
Current: 0.11
0.08
0.12
Interest Coverage 1.69
LSBI's Interest Coverage is ranked higher than
52% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. LSBI: 1.69 )
Ranked among companies with meaningful Interest Coverage only.
LSBI' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.30 Max: 1.69
Current: 1.69
0.04
1.69
F-Score: 4
Z-Score: 0.33
WACC vs ROIC
3.54%
8.14%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 23.06
LSBI's Operating margin (%) is ranked lower than
68% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. LSBI: 23.06 )
Ranked among companies with meaningful Operating margin (%) only.
LSBI' s 10-Year Operating margin (%) Range
Min: 2.91  Med: 28.90 Max: 35.82
Current: 23.06
2.91
35.82
Net-margin (%) 13.92
LSBI's Net-margin (%) is ranked lower than
75% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. LSBI: 13.92 )
Ranked among companies with meaningful Net-margin (%) only.
LSBI' s 10-Year Net-margin (%) Range
Min: 3.26  Med: 18.30 Max: 22.39
Current: 13.92
3.26
22.39
ROE (%) 4.91
LSBI's ROE (%) is ranked lower than
74% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. LSBI: 4.91 )
Ranked among companies with meaningful ROE (%) only.
LSBI' s 10-Year ROE (%) Range
Min: 1.35  Med: 9.28 Max: 11.23
Current: 4.91
1.35
11.23
ROA (%) 0.55
LSBI's ROA (%) is ranked lower than
69% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. LSBI: 0.55 )
Ranked among companies with meaningful ROA (%) only.
LSBI' s 10-Year ROA (%) Range
Min: 0.12  Med: 0.77 Max: 0.97
Current: 0.55
0.12
0.97
Revenue Growth (3Y)(%) -1.40
LSBI's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. LSBI: -1.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LSBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 6.80 Max: 21.3
Current: -1.4
0
21.3
EBITDA Growth (3Y)(%) 7.00
LSBI's EBITDA Growth (3Y)(%) is ranked lower than
52% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. LSBI: 7.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LSBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 5.70 Max: 73.6
Current: 7
0
73.6
EPS Growth (3Y)(%) 6.00
LSBI's EPS Growth (3Y)(%) is ranked lower than
61% of the 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. LSBI: 6.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LSBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -47.5  Med: 11.20 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 lower than
91% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. LSBI: 34.30 )
Ranked among companies with meaningful P/E(ttm) only.
LSBI' s 10-Year P/E(ttm) Range
Min: 8.52  Med: 13.53 Max: 55.38
Current: 34.3
8.52
55.38
PE(NRI) 34.30
LSBI's PE(NRI) is ranked lower than
91% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. LSBI: 34.30 )
Ranked among companies with meaningful PE(NRI) only.
LSBI' s 10-Year PE(NRI) Range
Min: 8.49  Med: 13.50 Max: 56.03
Current: 34.3
8.49
56.03
P/B 1.60
LSBI's P/B is ranked lower than
83% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. LSBI: 1.60 )
Ranked among companies with meaningful P/B only.
LSBI' s 10-Year P/B Range
Min: 0.39  Med: 0.89 Max: 1.64
Current: 1.6
0.39
1.64
P/S 4.80
LSBI's P/S is ranked lower than
81% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. LSBI: 4.80 )
Ranked among companies with meaningful P/S only.
LSBI' s 10-Year P/S Range
Min: 0.98  Med: 2.25 Max: 6.41
Current: 4.8
0.98
6.41
PFCF 27.90
LSBI's PFCF is ranked lower than
87% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. LSBI: 27.90 )
Ranked among companies with meaningful PFCF only.
LSBI' s 10-Year PFCF Range
Min: 2.14  Med: 7.93 Max: 39.21
Current: 27.9
2.14
39.21
POCF 17.03
LSBI's POCF is ranked lower than
81% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. LSBI: 17.03 )
Ranked among companies with meaningful POCF only.
LSBI' s 10-Year POCF Range
Min: 2.04  Med: 6.95 Max: 92.08
Current: 17.03
2.04
92.08
EV-to-EBIT 15.72
LSBI's EV-to-EBIT is ranked lower than
59% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. LSBI: 15.72 )
Ranked among companies with meaningful EV-to-EBIT only.
LSBI' s 10-Year EV-to-EBIT Range
Min: 2.3  Med: 25.50 Max: 147.4
Current: 15.72
2.3
147.4
PEG 0.83
LSBI's PEG is ranked higher than
59% of the 619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. LSBI: 0.83 )
Ranked among companies with meaningful PEG only.
LSBI' s 10-Year PEG Range
Min: 0.69  Med: 1.56 Max: 10.6
Current: 0.83
0.69
10.6
Shiller P/E 39.70
LSBI's Shiller P/E is ranked lower than
90% of the 786 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.81 vs. LSBI: 39.70 )
Ranked among companies with meaningful Shiller P/E only.
LSBI' s 10-Year Shiller P/E Range
Min: 4.91  Med: 12.93 Max: 39.7
Current: 39.7
4.91
39.7
Days Sales Outstanding 138.73
LSBI's Days Sales Outstanding is ranked lower than
82% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. LSBI: 138.73 )
Ranked among companies with meaningful Days Sales Outstanding only.
LSBI' s 10-Year Days Sales Outstanding Range
Min: 57.03  Med: 114.92 Max: 246.56
Current: 138.73
57.03
246.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.80
LSBI's Dividend Yield is ranked lower than
92% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.76 vs. LSBI: 0.80 )
Ranked among companies with meaningful Dividend Yield only.
LSBI' s 10-Year Dividend Yield Range
Min: 0.21  Med: 2.34 Max: 10.29
Current: 0.8
0.21
10.29
Dividend Payout 0.25
LSBI's Dividend Payout is ranked higher than
67% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. LSBI: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
LSBI' s 10-Year Dividend Payout Range
Min: 0.12  Med: 0.25 Max: 6.25
Current: 0.25
0.12
6.25
Dividend growth (3y) -1.40
LSBI's Dividend growth (3y) is ranked lower than
75% of the 674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. LSBI: -1.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
LSBI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 11.60 Max: 30.4
Current: -1.4
0
30.4
Yield on cost (5-Year) 0.80
LSBI's Yield on cost (5-Year) is ranked lower than
91% of the 2253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. LSBI: 0.80 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LSBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.21  Med: 2.34 Max: 10.29
Current: 0.8
0.21
10.29
Share Buyback Rate -0.20
LSBI's Share Buyback Rate is ranked higher than
73% of the 1013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. LSBI: -0.20 )
Ranked among companies with meaningful Share Buyback Rate only.
LSBI' s 10-Year Share Buyback Rate Range
Min: 0  Med: 0.40 Max: -2.4
Current: -0.2

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) 6.40
LSBI's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. LSBI: 6.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LSBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.7  Med: 3.90 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
81% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. LSBI: 35.37 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LSBI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -3.6  Med: 7.20 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

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