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21.5 (1y: +21%)
Market Cap 32.7 M P/E(ttm) 12.40
Enterprise Value 42.72 M P/B 0.90
LSBI- NAS (USA)
LSB Financial Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$21.50
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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 : 5/10

vs
industry		 vs
history
Cash to Debt 1.826
LSBI's Cash to Debt is ranked higher than
64% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. LSBI: 1.826 )
LSBI' s 10-Year Cash to Debt Range
Min: 0.02   Max: 1.83
Current: 1.83
0.02
1.83
Equity to Asset 0.107
LSBI's Equity to Asset is ranked higher than
64% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. LSBI: 0.107 )
LSBI' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.11
0.08
0.11
Interest Coverage No Debt
LSBI's Interest Coverage is ranked lower than
60% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. LSBI: No Debt )
LSBI' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.37
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 : 6/10

vs
industry		 vs
history
Operating margin (%) 24.30
LSBI's Operating margin (%) is ranked lower than
51% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 24.60 vs. LSBI: 24.30 )
LSBI' s 10-Year Operating margin (%) Range
Min: 2.9   Max: 38.6
Current: 24.3
2.9
38.6
Net-margin (%) 15.4
LSBI's Net-margin (%) is ranked lower than
58% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. LSBI: 15.4 )
LSBI' s 10-Year Net-margin (%) Range
Min: 3.3   Max: 24.9
Current: 15.4
3.3
24.9
ROE (%) 6.8
LSBI's ROE (%) is ranked higher than
55% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. LSBI: 6.8 )
LSBI' s 10-Year ROE (%) Range
Min: 1.4   Max: 10.7
Current: 6.8
1.4
10.7
ROA (%) 0.7
LSBI's ROA (%) is ranked higher than
52% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. LSBI: 0.7 )
LSBI' s 10-Year ROA (%) Range
Min: 0.1   Max: 0.9
Current: 0.7
0.1
0.9
Revenue Growth (%) 5.1
LSBI's Revenue Growth (%) is ranked higher than
80% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. LSBI: 5.1 )
LSBI' s 10-Year Revenue Growth (%) Range
Min: -1.6   Max: 8.5
Current: 5.1
-1.6
8.5
EBITDA Growth (%) 51.2
LSBI's EBITDA Growth (%) is ranked higher than
97% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. LSBI: 51.2 )
LSBI' s 10-Year EBITDA Growth (%) Range
Min: -37.1   Max: 51.2
Current: 51.2
-37.1
51.2
EPS Growth (%) 54.3
LSBI's EPS Growth (%) is ranked higher than
97% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. LSBI: 54.3 )
LSBI' s 10-Year EPS Growth (%) Range
Min: -38.3   Max: 54.3
Current: 54.3
-38.3
54.3
ยป 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) 12.40
LSBI's P/E(ttm) is ranked higher than
59% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. LSBI: 12.40 )
LSBI' s 10-Year P/E(ttm) Range
Min: 6.97   Max: 55.38
Current: 12.4
6.97
55.38
P/B 0.90
LSBI's P/B is ranked higher than
55% of the 876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. LSBI: 0.90 )
LSBI' s 10-Year P/B Range
Min: 0.39   Max: 1.97
Current: 0.9
0.39
1.97
P/S 1.96
LSBI's P/S is ranked higher than
66% of the 894 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.45 vs. LSBI: 1.96 )
LSBI' s 10-Year P/S Range
Min: 0.98   Max: 3.16
Current: 1.96
0.98
3.16
PFCF 8.00
LSBI's PFCF is ranked lower than
56% of the 694 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. LSBI: 8.00 )
LSBI' s 10-Year PFCF Range
Min: 2.14   Max: 101.68
Current: 8
2.14
101.68
EV-to-EBIT 9.9
LSBI's EV-to-EBIT is ranked higher than
78% of the 745 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.84 vs. LSBI: 9.9 )
LSBI' s 10-Year EV-to-EBIT Range
Min: 1.2   Max: 159.1
Current: 9.9
1.2
159.1
PEG 1.1
LSBI's PEG is ranked lower than
56% of the 286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. LSBI: 1.1 )
LSBI' s 10-Year PEG Range
Min: 1.1   Max: 12.51
Current: 1.1
1.1
12.51
Shiller P/E 21.1
LSBI's Shiller P/E is ranked lower than
100% of the Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: vs. LSBI: 21.1 )
LSBI' s 10-Year Shiller P/E Range
Min: 4.91   Max: 23.15
Current: 21.1
4.91
23.15

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.47
LSBI's Dividend Yield is ranked lower than
67% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.59 vs. LSBI: 0.47 )
LSBI' s 10-Year Dividend Yield Range
Min: 0.21   Max: 10.29
Current: 0.47
0.21
10.29
Dividend Payout 0.0575
LSBI's Dividend Payout is ranked higher than
96% of the 575 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.30 vs. LSBI: 0.0575 )
LSBI' s 10-Year Dividend Payout Range
Min: 0.03   Max: 1.69
Current: 0.06
0.03
1.69
Dividend growth (3y) -43.8
LSBI's Dividend growth (3y) is ranked lower than
91% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. LSBI: -43.8 )
LSBI' s 10-Year Dividend growth (3y) Range
Min: -100   Max: 14.9
Current: -43.8
-100
14.9
Yield on cost (5-Year) 0.50
LSBI's Yield on cost (5-Year) is ranked lower than
61% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. LSBI: 0.50 )
LSBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.21   Max: 10.29
Current: 0.5
0.21
10.29
Share Buyback Rate -0.1
LSBI's Share Buyback Rate is ranked higher than
55% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -0.30 vs. LSBI: -0.1 )
LSBI' s 10-Year Share Buyback Rate Range
Min: 1   Max: -1.8
Current: -0.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.9
LSBI's Price/Tangible Book is ranked higher than
69% of the 797 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. LSBI: 0.9 )
LSBI' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 1.3
Current: 0.9
0.4
1.3
Price/DCF (Projected) 0.4
LSBI's Price/DCF (Projected) is ranked higher than
79% of the 503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. LSBI: 0.4 )
LSBI' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.7
Current: 0.4
0.2
0.7
Price/Median PS Value 1
LSBI's Price/Median PS Value is ranked lower than
56% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. LSBI: 1 )
LSBI' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.5
Current: 1
0.5
1.5
Price/Peter Lynch Fair Value 1.5
LSBI's Price/Peter Lynch Fair Value is ranked lower than
78% of the 175 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. LSBI: 1.5 )
LSBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.3   Max: 1.5
Current: 1.5
1.3
1.5
Price/Graham Number 0.7
LSBI's Price/Graham Number is ranked higher than
66% of the 763 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. LSBI: 0.7 )
LSBI' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1
Current: 0.7
0.4
1
Earnings Yield (Greenblatt) 10.10
LSBI's Earnings Yield (Greenblatt) is ranked higher than
81% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. LSBI: 10.10 )
LSBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 81.3
Current: 10.1
0.6
81.3
Forward Rate of Return (Yacktman) 19.52
LSBI's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.38 vs. LSBI: 19.52 )
LSBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -11.5   Max: 22
Current: 19.52
-11.5
22

Business Description

LSB Financial Corp. was incorporated in Indiana. It is the holding Company for Lafayette Savings Bank, FSB which operates in Indiana. The Company has been, and plans to continue to be, a community-oriented financial institution. Its main 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, most 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 a variety of 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 main 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 a variety of deposit accounts which consist of statement savings accounts, money market accounts, NOW accounts and certificate accounts. It faces competition, both in originating real estate and other loans and in attracting deposits.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG
ยป 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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