Limestone Bancorp, Inc. Logo

Limestone Bancorp, Inc.

LMST

(2.0)
Stock Price

23,42 USD

1% ROA

11.17% ROE

11.99x PER

Market Cap.

178.680.525,00 USD

91.05% DER

0% Yield

34.37% NPM

Limestone Bancorp, Inc. Stock Analysis

Limestone Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Limestone Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

2 ROE

ROE in an average range (14.37%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (1.27%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 PBV

The stock's PBV ratio (1.29x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 DER

The stock has a reasonable amount of debt compared to its ownership (91%), suggesting a balanced financial position and a moderate level of risk.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (81), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

Limestone Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Limestone Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Limestone Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Limestone Bancorp, Inc. Revenue
Year Revenue Growth
2001 6.292.000
2002 7.595.000 17.16%
2003 7.119.000 -6.69%
2004 34.802.000 79.54%
2005 41.822.000 16.79%
2006 42.437.000 1.45%
2007 47.952.000 11.5%
2008 54.565.000 12.12%
2009 61.148.000 10.77%
2010 69.745.000 12.33%
2011 59.389.000 -17.44%
2012 51.545.000 -15.22%
2013 38.004.000 -35.63%
2014 33.797.000 -12.45%
2015 36.363.000 7.06%
2016 34.385.000 -5.75%
2017 35.972.000 4.41%
2018 38.627.000 6.87%
2019 40.044.000 3.54%
2020 45.555.000 12.1%
2021 50.503.000 9.8%
2022 55.543.000 9.07%
2023 55.352.000 -0.35%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Limestone Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Limestone Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 9.783.000 100%
2005 11.489.000 14.85%
2006 11.432.000 -0.5%
2007 12.470.000 8.32%
2008 14.792.000 15.7%
2009 19.474.000 24.04%
2010 19.333.000 -0.73%
2011 19.173.000 -0.83%
2012 20.647.000 7.14%
2013 19.661.000 -5.02%
2014 20.770.000 5.34%
2015 20.849.000 0.38%
2016 19.983.000 -4.33%
2017 19.415.000 -2.93%
2018 18.781.000 -3.38%
2019 16.888.000 -11.21%
2020 18.408.000 8.26%
2021 18.952.000 2.87%
2022 19.801.000 4.29%
2023 18.780.000 -5.44%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Limestone Bancorp, Inc. EBITDA
Year EBITDA Growth
2001 35.114.000
2002 31.897.000 -10.09%
2003 30.236.000 -5.49%
2004 36.453.000 17.05%
2005 45.420.000 19.74%
2006 59.249.000 23.34%
2007 73.310.000 19.18%
2008 77.482.000 5.38%
2009 60.368.000 -28.35%
2010 24.337.000 -148.05%
2011 -83.097.000 129.29%
2012 -14.935.000 -456.39%
2013 11.574.000 229.04%
2014 -1.205.000 1060.5%
2015 5.521.000 121.83%
2016 4.974.000 -11%
2017 14.198.000 64.97%
2018 21.694.000 34.55%
2019 12.852.000 -68.8%
2020 14.208.000 9.54%
2021 24.591.000 42.22%
2022 35.129.000 30%
2023 43.228.000 18.74%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Limestone Bancorp, Inc. Gross Profit
Year Gross Profit Growth
2001 6.292.000
2002 7.595.000 17.16%
2003 7.119.000 -6.69%
2004 34.802.000 79.54%
2005 41.822.000 16.79%
2006 42.437.000 1.45%
2007 47.952.000 11.5%
2008 54.565.000 12.12%
2009 61.148.000 10.77%
2010 69.745.000 12.33%
2011 59.389.000 -17.44%
2012 51.545.000 -15.22%
2013 38.004.000 -35.63%
2014 33.797.000 -12.45%
2015 36.363.000 7.06%
2016 34.385.000 -5.75%
2017 35.972.000 4.41%
2018 38.627.000 6.87%
2019 40.044.000 3.54%
2020 45.555.000 12.1%
2021 50.503.000 9.8%
2022 55.543.000 9.07%
2023 55.352.000 -0.35%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Limestone Bancorp, Inc. Net Profit
Year Net Profit Growth
2001 4.708.000
2002 7.336.000 35.82%
2003 8.386.000 12.52%
2004 10.887.000 22.97%
2005 14.615.000 25.51%
2006 14.339.000 -1.92%
2007 14.229.000 -0.77%
2008 14.010.000 -1.56%
2009 11.068.000 -26.58%
2010 -4.384.000 352.46%
2011 -107.307.000 95.91%
2012 -32.932.000 -225.84%
2013 -1.586.000 -1976.42%
2014 -11.155.000 85.78%
2015 -3.213.000 -247.18%
2016 -2.753.000 -16.71%
2017 38.453.000 107.16%
2018 8.794.000 -337.26%
2019 10.518.000 16.39%
2020 9.005.000 -16.8%
2021 14.909.000 39.6%
2022 18.342.000 18.72%
2023 16.732.000 -9.62%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Limestone Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 3
2002 5 40%
2003 6 16.67%
2004 8 25%
2005 11 20%
2006 9 -11.11%
2007 8 -12.5%
2008 8 -14.29%
2009 6 -16.67%
2010 -2 400%
2011 -46 95.56%
2012 -14 -221.43%
2013 -1 0%
2014 -5 100%
2015 -1 0%
2016 0 0%
2017 6 100%
2018 1 -500%
2019 1 0%
2020 1 0%
2021 2 0%
2022 2 50%
2023 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Limestone Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
2004 14.847.000
2005 18.973.000 21.75%
2006 12.688.000 -49.53%
2007 20.578.000 38.34%
2008 24.215.000 15.02%
2009 14.750.000 -64.17%
2010 31.593.000 53.31%
2011 29.903.000 -5.65%
2012 35.235.000 15.13%
2013 9.244.000 -281.17%
2014 902.000 -924.83%
2015 3.675.000 75.46%
2016 5.915.000 37.87%
2017 1.723.000 -243.3%
2018 11.462.000 84.97%
2019 11.897.000 3.66%
2020 20.166.000 41%
2021 21.016.000 4.04%
2022 7.454.000 -181.94%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Limestone Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
2004 15.696.000
2005 18.973.000 17.27%
2006 13.096.000 -44.88%
2007 20.578.000 36.36%
2008 24.215.000 15.02%
2009 17.648.000 -37.21%
2010 33.908.000 47.95%
2011 30.235.000 -12.15%
2012 35.746.000 15.42%
2013 9.525.000 -275.29%
2014 1.425.000 -568.42%
2015 4.060.000 64.9%
2016 6.112.000 33.57%
2017 2.007.000 -204.53%
2018 12.630.000 84.11%
2019 13.218.000 4.45%
2020 21.045.000 37.19%
2021 22.290.000 5.59%
2022 7.469.000 -198.43%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Limestone Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
2004 849.000
2005 0 0%
2006 408.000 100%
2007 0 0%
2008 0 0%
2009 2.898.000 100%
2010 2.315.000 -25.18%
2011 332.000 -597.29%
2012 511.000 35.03%
2013 281.000 -81.85%
2014 523.000 46.27%
2015 385.000 -35.84%
2016 197.000 -95.43%
2017 284.000 30.63%
2018 1.168.000 75.68%
2019 1.321.000 11.58%
2020 879.000 -50.28%
2021 1.274.000 31%
2022 15.000 -8393.33%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Limestone Bancorp, Inc. Equity
Year Equity Growth
2001 63.483.000
2002 60.197.000 -5.46%
2003 62.236.000 3.28%
2004 66.221.000 6.02%
2005 71.876.000 7.87%
2006 108.346.000 33.66%
2007 122.289.000 11.4%
2008 164.213.000 25.53%
2009 169.334.000 3.02%
2010 189.415.000 10.6%
2011 82.529.000 -129.51%
2012 47.190.000 -74.89%
2013 35.931.000 -31.34%
2014 33.465.000 -7.37%
2015 32.017.000 -4.52%
2016 32.733.000 2.19%
2017 72.673.000 54.96%
2018 92.097.000 21.09%
2019 105.750.000 12.91%
2020 116.024.000 8.86%
2021 130.959.000 11.4%
2022 133.858.000 2.17%
2023 138.391.000 3.28%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Limestone Bancorp, Inc. Assets
Year Assets Growth
2001 653.245.000
2002 714.692.000 8.6%
2003 767.074.000 6.83%
2004 887.201.000 13.54%
2005 991.481.000 10.52%
2006 1.051.006.000 5.66%
2007 1.456.020.000 27.82%
2008 1.647.857.000 11.64%
2009 1.835.090.000 10.2%
2010 1.723.952.000 -6.45%
2011 1.455.424.000 -18.45%
2012 1.162.631.000 -25.18%
2013 1.076.121.000 -8.04%
2014 1.017.989.000 -5.71%
2015 948.722.000 -7.3%
2016 945.177.000 -0.38%
2017 970.801.000 2.64%
2018 1.069.692.000 9.24%
2019 1.245.779.000 14.13%
2020 1.312.302.000 5.07%
2021 1.415.692.000 7.3%
2022 1.462.455.000 3.2%
2023 1.496.431.000 2.27%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Limestone Bancorp, Inc. Liabilities
Year Liabilities Growth
2001 589.762.000
2002 654.495.000 9.89%
2003 704.838.000 7.14%
2004 812.858.000 13.29%
2005 919.605.000 11.61%
2006 942.660.000 2.45%
2007 1.333.731.000 29.32%
2008 1.483.644.000 10.1%
2009 1.665.756.000 10.93%
2010 1.534.537.000 -8.55%
2011 1.372.895.000 -11.77%
2012 1.115.441.000 -23.08%
2013 1.040.190.000 -7.23%
2014 984.524.000 -5.65%
2015 916.705.000 -7.4%
2016 912.444.000 -0.47%
2017 898.128.000 -1.59%
2018 977.595.000 8.13%
2019 1.140.029.000 14.25%
2020 1.196.278.000 4.7%
2021 1.284.733.000 6.89%
2022 1.328.597.000 3.3%
2023 1.358.040.000 2.17%

Limestone Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.68
Net Income per Share
1.95
Price to Earning Ratio
11.99x
Price To Sales Ratio
4.12x
POCF Ratio
13.16
PFCF Ratio
13.3
Price to Book Ratio
1.29
EV to Sales
6.86
EV Over EBITDA
9.27
EV to Operating CashFlow
21.9
EV to FreeCashFlow
22.15
Earnings Yield
0.08
FreeCashFlow Yield
0.08
Market Cap
0,18 Bil.
Enterprise Value
0,30 Bil.
Graham Number
28.23
Graham NetNet
-151.75

Income Statement Metrics

Net Income per Share
1.95
Income Quality
1.27
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.76
EBT Per Ebit
0.63
Ebit per Revenue
0.71
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.34
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.71
Pretax Profit Margin
0.45
Net Profit Margin
0.34

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.05
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
1.78
Free CashFlow per Share
1.76
Capex to Operating CashFlow
-0.01
Capex to Revenue
-0
Capex to Depreciation
-0.14
Return on Invested Capital
0.09
Return on Tangible Assets
0.01
Days Sales Outstanding
64.74
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
5.64
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.02

Balance Sheet

Cash per Share
25,43
Book Value per Share
18,13
Tangible Book Value per Share
17.1
Shareholders Equity per Share
18.13
Interest Debt per Share
18
Debt to Equity
0.91
Debt to Assets
0.08
Net Debt to EBITDA
3.7
Current Ratio
20.76
Tangible Asset Value
0,13 Bil.
Net Current Asset Value
-1,16 Bil.
Invested Capital
0.91
Working Capital
0,19 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,01 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0.71

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Limestone Bancorp, Inc. Dividends
Year Dividends Growth
2006 0
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 0 0%
2022 0 0%
2023 0 0%

Limestone Bancorp, Inc. Profile

About Limestone Bancorp, Inc.

Limestone Bancorp, Inc. operates as the bank holding company for Limestone Bank, Inc. that provides a range of personal and business banking products and services. The company's deposit products include savings, interest checking, and money market accounts, as well as fixed rate certificates with varying maturities. It also provides commercial loans for equipment purchases, working capital, and other financing needs of business enterprises; and commercial real estate loans that comprise loans on properties occupied by borrowers and tenants, as well as construction and development loans secured by land under development, or homes and commercial buildings under construction. In addition, the company offers residential real estate loans; consumer loans; agriculture loans secured by livestock, crops, and equipment; and other loans, including loans to municipalities, loans secured by stock, and overdrafts. Further, it provides drive-through banking facilities, automatic teller machines, personalized checks, credit and debit cards, electronic funds transfers through ACH services, domestic and foreign wire transfers, and loan and deposit sweep accounts; and curbside banking, night depository, internet and mobile banking, treasury management, remote deposit, cash management, and vault services. The company primarily serves communities and small to medium-sized businesses, the owners and employees of these businesses, and other executives and professionals. It operates 20 banking offices in 14 counties in Kentucky. The company was formerly known as Porter Bancorp, Inc. and changed its name to Limestone Bancorp, Inc. in May 2018. Limestone Bancorp, Inc. was founded in 1902 and is headquartered in Louisville, Kentucky.

CEO
Mr. John T. Taylor
Employee
208
Address
2500 Eastpoint Parkway
Louisville, 40223

Limestone Bancorp, Inc. Executives & BODs

Limestone Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. John Michael Koehler
Chief Accounting Officer & Corporation Sec.
70
2 Mr. John Redmon Davis
Chief Credit Officer & Executive Vice President of Limestone Bank
70
3 Mr. John T. Taylor
Pres, Chief Executive Officer & Director
70
4 Mr. Phillip W. Barnhouse Jr., CPA
Executive Vice President & Chief Financial Officer
70
5 Mr. Joseph C. Seiler
Head of Commercial Banking & Executive Vice President of Limestone Bank
70

Limestone Bancorp, Inc. Competitors