OTCPK:LWCL

Stock Analysis Report

Executive Summary

Lewis & Clark Bank, a state-chartered commercial bank, provides banking products and services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

How has Lewis & Clark Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.6%

LWCL

4.1%

US Banks

1.0%

US Market


1 Year Return

-16.9%

LWCL

7.2%

US Banks

8.0%

US Market

Return vs Industry: LWCL underperformed the US Banks industry which returned 7.2% over the past year.

Return vs Market: LWCL underperformed the US Market which returned 8% over the past year.


Shareholder returns

LWCLIndustryMarket
7 Day-0.6%4.1%1.0%
30 Day1.6%2.8%-0.07%
90 Day-1.4%2.9%-1.0%
1 Year-16.3%-16.9%10.3%7.2%10.4%8.0%
3 Year47.4%43.9%53.9%43.3%46.2%36.7%
5 Year95.1%88.5%71.9%53.1%64.3%46.2%

Price Volatility Vs. Market

How volatile is Lewis & Clark Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Lewis & Clark Bank undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Lewis & Clark Bank is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Lewis & Clark Bank has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of LWCL’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Lewis & Clark Bank regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Lewis & Clark Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

0.6%

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 Lewis & Clark Bank 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.


Next Steps

  • Take a look at our analysis of LWCL’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Lewis & Clark Bank's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Lewis & Clark Bank performed over the past 5 years?

15.6%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Lewis & Clark Bank has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Lewis & Clark Bank's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Lewis & Clark Bank's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Lewis & Clark Bank has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of LWCL’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Lewis & Clark Bank's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Lewis & Clark Bank's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate LWCL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate LWCL's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if LWCL's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if LWCL's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of LWCL's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Lewis & Clark Bank's salary, the management and board of directors tenure and is there insider trading?

2.2yrs

Average management tenure


CEO

Jeff Sumpter 0

9.8yrs

Tenure

0

Mr. Jeffrey D. Sumpter, also known as Jeff has been Chief Executive Officer and President of Lewis & Clark Bank since January 11, 2018. Mr. Sumpter is a co-founder of Lewis & Clark Bank. He served as Senio ...


Management Age and Tenure

2.2yrs

Average Tenure

Experienced Management: LWCL's management team is considered experienced (2.2 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Jeff Sumpter

    President

    • Tenure: 9.8yrs
  • Larry Baker

    President Emeritus & Director

    • Tenure: 0yrs
  • William Reiling

    Chief Credit Officer

    • Tenure: 0yrs
  • Mark Ellingson

    VP & Portfolio Manager

    • Tenure: 0yrs
  • Heather Anderson

    VP & Loan Operations Manager

    • Tenure: 0yrs
  • Doug Stauduhar

    Executive VP & CFO

    • Tenure: 0yrs
  • Lorianne Fiedler

    VP and Operations & Compliance

    • Tenure: 2.6yrs
  • Joe Schulte (49yo)

    Market President

    • Tenure: 0.8yrs
  • Jami Layton

    VP & Controller

    • Tenure: 1.8yrs
  • Lance Nunn

    Senior VP and Credit & Risk Director

    • Tenure: 0yrs

Board Members

  • David Roche

    Chairman of the Board

    • Tenure: 0yrs
  • Jeff Sumpter

    President

    • Tenure: 9.8yrs
  • Todd Liebow (62yo)

    Director

    • Tenure: 0yrs
  • Larry Baker

    President Emeritus & Director

    • Tenure: 0yrs
  • Trey Maust

    Executive Vice Chairman of the Board

    • Tenure: 1.8yrs
  • Kevin Murphy

    Director

    • Tenure: 0yrs

Company Information

Lewis & Clark Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Lewis & Clark Bank
  • Ticker: LWCL
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$0
  • Shares outstanding: 0
  • Website: https://www.lewisandclarkbank.com

Location

  • Lewis & Clark Bank
  • 15960 South Agnes Avenue
  • Oregon City
  • Oregon
  • 97045
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
LWCLOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDJul 2011

Biography

Lewis & Clark Bank, a state-chartered commercial bank, provides banking products and services. The company offers personal banking products and services that include personal and interest checking accounts ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/22 00:23
End of Day Share Price2019/10/21 00:00
EarningsN/A
Annual EarningsN/A


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.