Lewis & Clark Bancorp

OTCPK:LWCL Stock Report

Market Cap: US$32.1m

Lewis & Clark Bancorp Valuation

Is LWCL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of LWCL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: LWCL ($30) is trading above our estimate of fair value ($21.55)

Significantly Below Fair Value: LWCL is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for LWCL?

Key metric: As LWCL is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for LWCL. This is calculated by dividing LWCL's market cap by their current book value.
What is LWCL's PB Ratio?
PB Ratio1x
BookUS$30.99m
Market CapUS$32.07m

Price to Book Ratio vs Peers

How does LWCL's PB Ratio compare to its peers?

The above table shows the PB ratio for LWCL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PBEstimated GrowthMarket Cap
Peer Average0.8x
GBNY Generations Bancorp NY
1xn/aUS$34.4m
OTTW Ottawa Bancorp
0.9xn/aUS$35.7m
WDFN Woodlands Financial Services
0.8xn/aUS$28.1m
TMAK Touchmark Bancshares
0.5xn/aUS$34.4m
LWCL Lewis & Clark Bancorp
1xn/aUS$32.1m

Price-To-Book vs Peers: LWCL is expensive based on its Price-To-Book Ratio (1x) compared to the peer average (0.8x).

Price to Book Ratio vs Industry

How does LWCL's PB Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / BookEstimated GrowthMarket Cap
FRCB First Republic Bank
0.002xn/aUS$27.98m
SBNY Signature Bank
0.0003xn/aUS$2.18m
BKES.F Banco Espírito Santo
n/an/aUS$56.01k
BCBH.F Caribbean Investment Holdings
n/an/aUS$132.00
No more companies available in this PB range
LWCL 1.0xIndustry Avg. 1.0xNo. of Companies128PB00.61.21.82.43+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Book vs Industry: LWCL is good value based on its Price-To-Book Ratio (1x) compared to the US Banks industry average (1x).

Price to Book Ratio vs Fair Ratio

What is LWCL's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

LWCL PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio1x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate LWCL's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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