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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 : 4/10

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Interest Coverage 1.58
LSBI's Interest Coverage is ranked lower than
99.99% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. LSBI: 1.58 )
Ranked among companies with meaningful Interest Coverage only.
LSBI' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.58
Current: 1.58
0
1.58
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 : 3/10

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» LSBI's 10-Y Financials

Financials (Next Earnings Date: 0)


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

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OTCPK:SFDL, NAS:PBBI, NAS:KFFB, AMEX:BKJ, NAS:UCBA, OTCPK:GRRB, NAS:PBSK, NAS:HMNF, NAS:ANCB, NAS:IROQ, NAS:HFBC, OTCBB:NIDB, NAS:MSBF, NAS:LSBK, OTCPK:VLLX, NAS:PBHC, NAS:JXSB, NAS:BYFC, NAS:FCLF, OTCBB:NWIN » 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

Ratios

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Dividend & Buy Back

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Dividend Yield 0.80
LSBI's Dividend Yield is ranked lower than
92% of the 2190 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. LSBI: 0.80 )
Ranked among companies with meaningful Dividend Yield only.
LSBI' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.8
Current: 0.8
0
0.8
Dividend Payout 0.25
LSBI's Dividend Payout is ranked higher than
66% of the 1337 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 Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.25
Current: 0.25
0
0.25
Yield on cost (5-Year) 0.80
LSBI's Yield on cost (5-Year) is ranked lower than
92% of the 2538 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. LSBI: 0.80 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LSBI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.8
Current: 0.8
0
0.8

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $14.36
EPS (TTM) $ 1.27
Short Percentage of Float0.06%
52-Week Range $27.01 - 43.07
Shares Outstanding (Mil)1.57

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