OTCPK:LYBC

Stock Analysis Report

Executive Summary

Lyons Bancorp Inc., through its subsidiaries, provides a range of commercial and retail banking services to individual and small business customers.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • Lyons Bancorp's last earnings update was 184 days ago.
  • Lyons Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Lyons Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.6%

OTCPK:LYBC

-1.8%

US Banks

-1.6%

US Market


1 Year Return

5.8%

OTCPK:LYBC

-16.1%

US Banks

-3.0%

US Market

LYBC outperformed the Banks industry which returned -16.1% over the past year.

LYBC outperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

LYBCIndustryMarket
7 Day0.6%-1.8%-1.6%
30 Day-0.6%-10.1%-5.7%
90 Day0.2%-5.0%0.2%
1 Year9.0%5.8%-13.7%-16.1%-0.8%-3.0%
3 Year49.4%36.7%37.9%28.5%38.1%29.1%
5 Year145.2%110.3%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Lyons Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Lyons Bancorp undervalued based on future cash flows and its price relative to the stock market?

13.38x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Lyons Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Lyons Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Lyons Bancorp is overvalued based on earnings compared to the US Banks industry average.

Lyons Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Lyons Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Lyons Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Lyons Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

0.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Lyons Bancorp is high growth as no revenue estimate data is available.

Lyons Bancorp's earnings are expected to grow by 0.3% yearly, however this is not considered high growth (20% yearly).

Unable to compare Lyons Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Lyons Bancorp's earnings growth is positive but not above the United States of America market average.

Lyons Bancorp's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Lyons Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Lyons Bancorp performed over the past 5 years?

5.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Lyons Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Lyons Bancorp's 1-year earnings growth exceeds its 5-year average (25.6% vs 5.8%)

Lyons Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (25.6% vs 33.1%).


Return on Equity

Lyons Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Lyons Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Lyons Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

  • Explore strong past performing companies in the Banks industry.

Financial Health

How is Lyons Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Lyons Bancorp has an acceptable proportion of non-loan assets held.

Lyons Bancorp has a sufficient allowance for bad loans.

Lyons Bancorp's liabilities are made up of primarily low risk sources of funding.

Lyons Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Lyons Bancorp are broadly funded by customer deposits.

Lyons Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Lyons Bancorp's current dividend yield, its reliability and sustainability?

2.78%

Current Dividend Yield


Upcoming Dividend Payment

Purchase Lyons Bancorp before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Lyons Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Lyons Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.7x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Lyons Bancorp's salary, the management and board of directors tenure and is there insider trading?

15.1yrs

Average board tenure


CEO

Bob Schick (69yo)

21.6yrs

Tenure

US$197,605

Compensation

Mr. Robert A. Schick, also known as Bob, has been Chairman, President and Chief Executive Officer of Lyons Bancorp, Inc. He has served as President of Lyons Bancorp, Inc since January 1998. He was hired by ...


Board Age and Tenure

15.1yrs

Average Tenure

64yo

Average Age

The average tenure for the Lyons Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Bob Schick (69yo)

    Chairman

    • Tenure: 21.6yrs
    • Compensation: US$197.61k
  • Chad Proper

    Senior VP & Chief Financial Officer

    • Tenure: 0.0yrs

Board Members

  • Tom Kime (65yo)

    Director

    • Tenure: 15.6yrs
    • Compensation: US$141.58k
  • Bob Schick (69yo)

    Chairman

    • Tenure: 21.6yrs
    • Compensation: US$197.61k
  • Andy Fredericksen (63yo)

    Director

    • Tenure: 16.6yrs
  • James Homburger (74yo)

    Director

    • Tenure: 24.6yrs
  • David Breen

    Director

    • Tenure: 0.0yrs
  • Clair Britt (56yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$147.00k
  • Dale Hemminger (60yo)

    Director

    • Tenure: 14.6yrs
  • Joe Fragnoli

    Director

    • Tenure: 7.8yrs
  • Carol Snook

    Director

    • Tenure: 0.0yrs
  • Brad Person

    Director

    • Tenure: 8.8yrs

Company Information

Lyons Bancorp Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Lyons Bancorp Inc.
  • Ticker: LYBC
  • Exchange: OTCPK
  • Founded: 1852
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$130.248m
  • Shares outstanding: 3.18m
  • Website: https://www.bankwithlnb.com

Number of Employees


Location

  • Lyons Bancorp Inc.
  • 35 William Street
  • Lyons
  • New York
  • 14489
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
LYBCOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDMay 1994

Biography

Lyons Bancorp Inc., through its subsidiaries, provides a range of commercial and retail banking services to individual and small business customers. The company offers checking accounts, savings accounts,  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:38
End of Day Share Price2019/08/19 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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.