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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.06
LBC's Cash-to-Debt is ranked lower than
96% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. LBC: 0.06 )
Ranked among companies with meaningful Cash-to-Debt only.
LBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.06 Max: 0.09
Current: 0.06
0.05
0.09
Equity-to-Asset 0.09
LBC's Equity-to-Asset is ranked lower than
69% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. LBC: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
LBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.1
Current: 0.09
0.08
0.1
Debt-to-Equity 2.33
LBC's Debt-to-Equity is ranked lower than
88% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.72 vs. LBC: 2.33 )
Ranked among companies with meaningful Debt-to-Equity only.
LBC' s Debt-to-Equity Range Over the Past 10 Years
Min: 2.08  Med: 2.28 Max: 3.14
Current: 2.33
2.08
3.14
Debt-to-EBITDA 10.36
LBC's Debt-to-EBITDA is ranked lower than
95% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.99 vs. LBC: 10.36 )
Ranked among companies with meaningful Debt-to-EBITDA only.
LBC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 10.36
Current: 10.36
0
10.36
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 : 2/10

vs
industry
vs
history
Net Margin % 47.94
LBC's Net Margin % is ranked higher than
93% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. LBC: 47.94 )
Ranked among companies with meaningful Net Margin % only.
LBC' s Net Margin % Range Over the Past 10 Years
Min: 38.54  Med: 50.86 Max: 58.6
Current: 47.94
38.54
58.6
ROE % 14.41
LBC's ROE % is ranked higher than
78% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. LBC: 14.41 )
Ranked among companies with meaningful ROE % only.
LBC' s ROE % Range Over the Past 10 Years
Min: 9.53  Med: 13.44 Max: 14.54
Current: 14.41
9.53
14.54
ROA % 1.28
LBC's ROA % is ranked higher than
51% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. LBC: 1.28 )
Ranked among companies with meaningful ROA % only.
LBC' s ROA % Range Over the Past 10 Years
Min: 0.81  Med: 1.11 Max: 1.29
Current: 1.28
0.81
1.29
GuruFocus has detected 1 Warning Sign with Luther Burbank Corp LBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» LBC's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

LBC Guru Trades in

Q4 2017

LBC Guru Trades in Q4 2017

Steven Cohen 50,000 sh (New)
Michael Price 125,000 sh (New)
HOTCHKIS & WILEY 700,000 sh (New)
» More
Q1 2018

LBC Guru Trades in Q1 2018

Chuck Royce 843 sh (New)
HOTCHKIS & WILEY 701,800 sh (+0.26%)
Michael Price 125,000 sh (unchged)
Steven Cohen 25,000 sh (-50.00%)
» More
Q2 2018

LBC Guru Trades in Q2 2018

Chuck Royce 1,528 sh (+81.26%)
HOTCHKIS & WILEY 772,305 sh (+10.05%)
Michael Price 125,000 sh (unchged)
Steven Cohen Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with LBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2018-06-30 Add 10.05%$11.44 - $12.99 $ 10.02-18%772,305
HOTCHKIS & WILEY 2018-03-31 Add 0.26%$11.83 - $13.5 $ 10.02-21%701,800
HOTCHKIS & WILEY 2017-12-31 New Buy0.03%$11.75 - $12.26 $ 10.02-17%700,000
Michael Price 2017-12-31 New Buy0.19%$11.75 - $12.26 $ 10.02-17%125,000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:NAS:ORIT, NAS:SBT, NAS:GSBC, NAS:FFWM, NAS:FLIC, NAS:CBTX, NAS:CAC, NAS:TSC, NAS:VBTX, NYSE:BY, NAS:NCOM, NAS:BDGE, NAS:HBNC, NAS:MBIN, NAS:MSBI, NAS:GABC, NAS:NFBK, NAS:PEBO, NAS:HTBK, NAS:SYBT » details
Headquarter Location:USA
Luther Burbank Corp is a bank holding company. The company through its subsidiary provides real estate secured lending in attractive metropolitan areas along the West Coast.

Luther Burbank Corp is a bank holding company. It provides real estate secured lending in attractive metropolitan areas in the United States. The company offers a suite of mortgage and savings products designed for customers. Its personal banking products include checking and saving the account, certificate of deposits, individual retirement account, and others. The loan portfolio of the company comprises commercial multifamily real estate loans and single family residential loans and other services. The company also provides the high-yield certificate of deposits, liquidity management, mobile business banking and among others.

Ratios

vs
industry
vs
history
PE Ratio 7.55
LBC's PE Ratio is ranked higher than
82% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. LBC: 7.55 )
Ranked among companies with meaningful PE Ratio only.
LBC' s PE Ratio Range Over the Past 10 Years
Min: 7.36  Med: 10.56 Max: 14.13
Current: 7.55
7.36
14.13
Forward PE Ratio 9.74
LBC's Forward PE Ratio is ranked lower than
51% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. LBC: 9.74 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 7.55
LBC's PE Ratio without NRI is ranked higher than
83% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. LBC: 7.55 )
Ranked among companies with meaningful PE Ratio without NRI only.
LBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.36  Med: 10.56 Max: 14.13
Current: 7.55
7.36
14.13
PB Ratio 1.00
LBC's PB Ratio is ranked higher than
59% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. LBC: 1.00 )
Ranked among companies with meaningful PB Ratio only.
LBC' s PB Ratio Range Over the Past 10 Years
Min: 0.98  Med: 1.23 Max: 1.35
Current: 1
0.98
1.35
PS Ratio 4.42
LBC's PS Ratio is ranked lower than
96% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. LBC: 4.42 )
Ranked among companies with meaningful PS Ratio only.
LBC' s PS Ratio Range Over the Past 10 Years
Min: 4.32  Med: 5.46 Max: 6.07
Current: 4.42
4.32
6.07
Price-to-Free-Cash-Flow 10.60
LBC's Price-to-Free-Cash-Flow is ranked lower than
88% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. LBC: 10.60 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
LBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 10.08  Med: 11.56 Max: 13.46
Current: 10.6
10.08
13.46
Price-to-Operating-Cash-Flow 10.29
LBC's Price-to-Operating-Cash-Flow is ranked lower than
90% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. LBC: 10.29 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
LBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 9.92  Med: 11.3 Max: 13.09
Current: 10.29
9.92
13.09
EV-to-Revenue 14.22
LBC's EV-to-Revenue is ranked lower than
95% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. LBC: 14.22 )
Ranked among companies with meaningful EV-to-Revenue only.
LBC' s EV-to-Revenue Range Over the Past 10 Years
Min: 14.2  Med: 15.1 Max: 16.2
Current: 14.22
14.2
16.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.71
LBC's Dividend Yield % is ranked lower than
94% of the 2530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. LBC: 0.71 )
Ranked among companies with meaningful Dividend Yield % only.
LBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.11  Med: 0.13 Max: 0.74
Current: 0.71
0.11
0.74
Dividend Payout Ratio 0.01
LBC's Dividend Payout Ratio is ranked higher than
99% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. LBC: 0.01 )
Ranked among companies with meaningful Dividend Payout Ratio only.
LBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.01
Current: 0.01
0
0.01
Forward Dividend Yield % 2.32
LBC's Forward Dividend Yield % is ranked lower than
68% of the 2459 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. LBC: 2.32 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.71
LBC's 5-Year Yield-on-Cost % is ranked lower than
94% of the 2507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. LBC: 0.71 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
LBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.11  Med: 0.13 Max: 0.74
Current: 0.71
0.11
0.74

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.01
LBC's Price-to-Tangible-Book is ranked higher than
62% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. LBC: 1.01 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
LBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.99  Med: 1.23 Max: 1.24
Current: 1.01
0.99
1.24
Price-to-Median-PS-Value 0.81
LBC's Price-to-Median-PS-Value is ranked higher than
80% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. LBC: 0.81 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
LBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.79  Med: 0.99 Max: 1.01
Current: 0.81
0.79
1.01
Price-to-Graham-Number 0.58
LBC's Price-to-Graham-Number is ranked higher than
69% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. LBC: 0.58 )
Ranked among companies with meaningful Price-to-Graham-Number only.
LBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.57  Med: 0.76 Max: 0.85
Current: 0.58
0.57
0.85

More Statistics

Revenue (TTM) (Mil) $126.20
EPS (TTM) $ 1.33
52-Week Range $9.75 - 13.60
Shares Outstanding (Mil)56.42

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 130 153
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 0.79 1.02
EPS without NRI ($) 0.79 1.02
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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