Logan Community Financial Services Limited provides community banking services under management rights to operate franchised branches of Bendigo and Adelaide Bank Limited. More Details
Undervalued with proven track record.
Share Price & News
How has Logan Community Financial Services's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: Insufficient data to determine LCB's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine LCB's volatility change over the past year.
7 Day Return
1 Year Return
Return vs Industry: Insufficient data to determine how LCB performed against the Australian Banks industry.
Return vs Market: Insufficient data to determine how LCB performed against the Australian Market.
Long-Term Price Volatility Vs. Market
How volatile is Logan Community Financial Services's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Logan Community Financial Services undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: LCB (A$0.55) is trading below our estimate of fair value (A$0.99)
Significantly Below Fair Value: LCB is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: LCB is good value based on its PE Ratio (4.7x) compared to the AU Banks industry average (15.4x).
PE vs Market: LCB is good value based on its PE Ratio (4.7x) compared to the Australian market (20.7x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate LCB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: LCB is good value based on its PB Ratio (0.7x) compared to the AU Banks industry average (0.9x).
How is Logan Community Financial Services forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Logan Community Financial Services has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Logan Community Financial Services performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LCB has high quality earnings.
Growing Profit Margin: LCB's current net profit margins (9.8%) are higher than last year (9.2%).
Past Earnings Growth Analysis
Earnings Trend: LCB's earnings have grown significantly by 29.3% per year over the past 5 years.
Accelerating Growth: LCB's earnings growth over the past year (6.9%) is below its 5-year average (29.3% per year).
Earnings vs Industry: LCB earnings growth over the past year (6.9%) exceeded the Banks industry -0.7%.
Return on Equity
High ROE: LCB's Return on Equity (15.1%) is considered low.
How is Logan Community Financial Services's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: LCB's Assets to Equity ratio (1.5x) is low.
Allowance for Bad Loans: Insufficient data to determine if LCB has a sufficient allowance for bad loans.
Low Risk Liabilities: LCB reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if LCB has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: LCB reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if LCB has an appropriate level of bad loans.
What is Logan Community Financial Services's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: LCB's dividend (10.36%) is higher than the bottom 25% of dividend payers in the Australian market (2.04%).
High Dividend: LCB's dividend (10.36%) is in the top 25% of dividend payers in the Australian market (5.2%)
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, LCB has been paying a dividend for less than 10 years.
Growing Dividend: LCB's dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (49.2%), LCB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Logan Community Financial Services has no CEO, or we have no data on them.
Experienced Board: LCB's board of directors are considered experienced (3.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Logan Community Financial Services Limited's company bio, employee growth, exchange listings and data sources
- Name: Logan Community Financial Services Limited
- Ticker: LCB
- Exchange: NSX
- Founded: 2002
- Industry: Regional Banks
- Sector: Banks
- Market Cap: AU$1.760m
- Shares outstanding: 3.20m
- Website: https://www.bendigobank.com.au/loganholme
- Logan Community Financial Services Limited
- 54 Bryants Road
- Unit 1
- Shailer Park
Logan Community Financial Services Limited provides community banking services under management rights to operate franchised branches of Bendigo and Adelaide Bank Limited. It operates in Loganholme, Browns...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/08 17:04|
|End of Day Share Price||2021/02/08 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.