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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 0.07
LBC's Cash-to-Debt is ranked lower than
97% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. LBC: 0.07 )
Ranked among companies with meaningful Cash-to-Debt only.
LBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.08 Max: 0.09
Current: 0.07
0.05
0.09
Equity-to-Asset 0.10
LBC's Equity-to-Asset is ranked lower than
61% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. LBC: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
LBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.08 Max: 0.1
Current: 0.1
0.08
0.1
Debt-to-Equity 2.23
LBC's Debt-to-Equity is ranked lower than
90% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. LBC: 2.23 )
Ranked among companies with meaningful Debt-to-Equity only.
LBC' s Debt-to-Equity Range Over the Past 10 Years
Min: 2.22  Med: 2.23 Max: 3.14
Current: 2.23
2.22
3.14
Debt-to-EBITDA 39.41
LBC's Debt-to-EBITDA is ranked lower than
96% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.34 vs. LBC: 39.41 )
Ranked among companies with meaningful Debt-to-EBITDA only.
LBC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 21.2  Med: 21.76 Max: 39.41
Current: 39.41
21.2
39.41
Interest Coverage 0.94
LBC's Interest Coverage is ranked lower than
67% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. LBC: 0.94 )
Ranked among companies with meaningful Interest Coverage only.
LBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.86  Med: 0.98 Max: 1.09
Current: 0.94
0.86
1.09
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 : 4/10

vs
industry
vs
history
Operating Margin % 50.33
LBC's Operating Margin % is ranked higher than
84% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.45 vs. LBC: 50.33 )
Ranked among companies with meaningful Operating Margin % only.
LBC' s Operating Margin % Range Over the Past 10 Years
Min: 39.9  Med: 46.27 Max: 52.64
Current: 50.33
39.9
52.64
Net Margin % 59.89
LBC's Net Margin % is ranked higher than
96% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.18 vs. LBC: 59.89 )
Ranked among companies with meaningful Net Margin % only.
LBC' s Net Margin % Range Over the Past 10 Years
Min: 38.54  Med: 44.7 Max: 59.89
Current: 59.89
38.54
59.89
ROE % 6.50
LBC's ROE % is ranked lower than
64% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. LBC: 6.50 )
Ranked among companies with meaningful ROE % only.
LBC' s ROE % Range Over the Past 10 Years
Min: 6.5  Med: 10.09 Max: 10.65
Current: 6.5
6.5
10.65
ROA % 0.82
LBC's ROA % is ranked lower than
54% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. LBC: 0.82 )
Ranked among companies with meaningful ROA % only.
LBC' s ROA % Range Over the Past 10 Years
Min: 0.81  Med: 0.96 Max: 1.11
Current: 0.82
0.81
1.11
GuruFocus has detected 2 Warning Signs 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

LBC Guru Trades in

LBC Guru Trades in

Q4 2017

LBC Guru Trades in Q4 2017

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

Insider Trades

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:NAS:CAC, XPTY:GBGR, NAS:TBK, NAS:TSC, NAS:PGC, NAS:VBTX, NAS:PCBK, NAS:SBT, NYSE:BY, NAS:MSBI, NAS:PSTB, NAS:BDGE, NAS:FLIC, NAS:PEBO, NAS:FFWM, NAS:HBNC, NAS:QCRH, NAS:NCOM, NAS:HTBK, NAS:LION » 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 10.60
LBC's PE Ratio is ranked higher than
73% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.21 vs. LBC: 10.60 )
Ranked among companies with meaningful PE Ratio only.
LBC' s PE Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 17.2
Current: 10.6
0
17.2
Forward PE Ratio 17.09
LBC's Forward PE Ratio is ranked lower than
85% of the 391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.66 vs. LBC: 17.09 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 10.60
LBC's PE Ratio without NRI is ranked higher than
73% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.35 vs. LBC: 10.60 )
Ranked among companies with meaningful PE Ratio without NRI only.
LBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0  Med: 0 Max: 17.2
Current: 10.6
0
17.2
PB Ratio 1.26
LBC's PB Ratio is ranked lower than
52% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. LBC: 1.26 )
Ranked among companies with meaningful PB Ratio only.
LBC' s PB Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.76
Current: 1.26
0
1.76
EV-to-EBIT 55.48
LBC's EV-to-EBIT is ranked lower than
94% of the 1223 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.91 vs. LBC: 55.48 )
Ranked among companies with meaningful EV-to-EBIT only.
LBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 0  Med: 0 Max: 56.05
Current: 55.48
0
56.05
EV-to-EBITDA 54.07
LBC's EV-to-EBITDA is ranked lower than
95% of the 1230 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. LBC: 54.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
LBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 54.63
Current: 54.07
0
54.63
EV-to-Revenue 27.93
LBC's EV-to-Revenue is ranked lower than
97% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.15 vs. LBC: 27.93 )
Ranked among companies with meaningful EV-to-Revenue only.
LBC' s EV-to-Revenue Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 27.93

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.12
LBC's Dividend Yield % is ranked lower than
99% of the 2424 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. LBC: 0.12 )
Ranked among companies with meaningful Dividend Yield % only.
LBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.12
Current: 0.12
0
0.12
Forward Dividend Yield % 0.47
LBC's Forward Dividend Yield % is ranked lower than
97% of the 2371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.77 vs. LBC: 0.47 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.12
LBC's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 2780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. LBC: 0.12 )
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  Med: 0 Max: 0.12
Current: 0.12
0
0.12

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.27
LBC's Price-to-Tangible-Book is ranked higher than
52% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.31 vs. LBC: 1.27 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
LBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.29
Current: 1.27
0
1.29
Earnings Yield (Greenblatt) % 1.81
LBC's Earnings Yield (Greenblatt) % is ranked lower than
71% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.69 vs. LBC: 1.81 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
LBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 7.1
Current: 1.81
0
7.1

More Statistics

Revenue (TTM) (Mil) $56.27
EPS (TTM) $ 1.21
Short Percentage of Float0.20%
52-Week Range $11.50 - 13.34
Shares Outstanding (Mil)54.15

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 127 151
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 0.75 1.01
EPS without NRI ($) 0.75 1.01
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)

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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