Lyons Bancorp Inc. Logo

Lyons Bancorp Inc.

LYBC

(3.5)
Stock Price

41,00 USD

0.83% ROA

11.73% ROE

8.27x PER

Market Cap.

117.672.475,00 USD

0% DER

3.97% Yield

25.46% NPM

Lyons Bancorp Inc. Stock Analysis

Lyons 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.

Lyons Bancorp Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.94%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

5 ROA

The stock's ROA (0.94%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (1.14x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

8 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

9 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

10 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (187), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

11 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.

Lyons 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.

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

Lyons 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.

Lyons Bancorp Inc. Revenue
Year Revenue Growth
2006 15.876.591
2012 25.646.000 38.09%
2013 28.279.000 9.31%
2014 29.925.000 5.5%
2015 33.454.000 10.55%
2016 36.433.000 8.18%
2017 40.453.000 9.94%
2018 44.641.000 9.38%
2019 48.547.000 8.05%
2020 54.509.000 10.94%
2021 60.530.000 9.95%
2022 63.076.000 4.04%
2023 61.876.000 -1.94%
2023 86.880.000 28.78%
2024 60.012.000 -44.77%

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.

Lyons Bancorp Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2006 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%
2023 0 0%
2024 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.

Lyons Bancorp Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 6.099.121
2012 2.279.000 -167.62%
2013 2.694.000 15.4%
2014 2.803.000 3.89%
2015 13.545.000 79.31%
2016 14.940.000 9.34%
2017 16.296.000 8.32%
2018 17.251.000 5.54%
2019 20.088.000 14.12%
2020 22.390.000 10.28%
2021 24.231.000 7.6%
2022 22.898.000 -5.82%
2023 0 0%
2023 22.745.000 100%
2024 0 0%

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.

Lyons Bancorp Inc. EBITDA
Year EBITDA Growth
2006 11.147.459
2012 8.510.000 -30.99%
2013 -478.000 1880.33%
2014 -660.000 27.58%
2015 14.762.000 104.47%
2016 15.896.000 7.13%
2017 17.185.000 7.5%
2018 19.950.000 13.86%
2019 14.726.000 -35.47%
2020 13.810.000 -6.63%
2021 20.751.000 33.45%
2022 29.016.000 28.48%
2023 23.676.000 -22.55%
2023 1.313.000 -1703.2%
2024 0 0%

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.

Lyons Bancorp Inc. Gross Profit
Year Gross Profit Growth
2006 15.876.591
2012 25.646.000 38.09%
2013 28.279.000 9.31%
2014 29.925.000 5.5%
2015 33.454.000 10.55%
2016 36.433.000 8.18%
2017 40.453.000 9.94%
2018 44.641.000 9.38%
2019 48.547.000 8.05%
2020 54.509.000 10.94%
2021 60.530.000 9.95%
2022 63.076.000 4.04%
2023 61.876.000 -1.94%
2023 62.739.000 1.38%
2024 60.012.000 -4.54%

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.

Lyons Bancorp Inc. Net Profit
Year Net Profit Growth
2006 2.351.193
2012 6.170.000 61.89%
2013 7.029.000 12.22%
2014 7.204.000 2.43%
2015 7.366.000 2.2%
2016 7.596.000 3.03%
2017 8.009.000 5.16%
2018 9.992.000 19.85%
2019 11.005.000 9.2%
2020 10.268.000 -7.18%
2021 15.524.000 33.86%
2022 17.204.000 9.77%
2023 17.608.000 2.29%
2023 17.354.000 -1.46%
2024 14.772.000 -17.48%

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.

Lyons Bancorp Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 1
2012 2 100%
2013 2 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 3 33.33%
2019 3 0%
2020 3 0%
2021 5 25%
2022 5 0%
2023 5 20%
2023 5 0%
2024 4 -25%

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.

Lyons Bancorp Inc. Free Cashflow
Year Free Cashflow Growth
2006 13.585.728
2007 0 0%
2012 5.891.000 100%
2013 11.024.000 46.56%
2014 3.301.000 -233.96%
2015 6.957.000 52.55%
2016 3.638.000 -91.23%
2017 7.832.000 53.55%
2018 13.370.000 41.42%
2019 6.090.000 -119.54%
2020 15.929.000 61.77%
2021 28.442.000 43.99%
2022 18.857.000 -50.83%
2023 14.696.000 -28.31%
2024 0 0%

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.

Lyons Bancorp Inc. Operating Cashflow
Year Operating Cashflow Growth
2006 14.610.137
2007 0 0%
2012 7.491.000 100%
2013 11.508.000 34.91%
2014 5.708.000 -101.61%
2015 12.374.000 53.87%
2016 4.001.000 -209.27%
2017 12.112.000 66.97%
2018 15.446.000 21.58%
2019 7.513.000 -105.59%
2020 20.641.000 63.6%
2021 28.855.000 28.47%
2022 19.462.000 -48.26%
2023 14.930.000 -30.35%
2024 0 0%

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.

Lyons Bancorp Inc. Capital Expenditure
Year Capital Expenditure Growth
2006 1.024.409
2007 0 0%
2012 1.600.000 100%
2013 484.000 -230.58%
2014 2.407.000 79.89%
2015 5.417.000 55.57%
2016 363.000 -1392.29%
2017 4.280.000 91.52%
2018 2.076.000 -106.17%
2019 1.423.000 -45.89%
2020 4.712.000 69.8%
2021 413.000 -1040.92%
2022 605.000 31.74%
2023 234.000 -158.55%
2024 0 0%

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.

Lyons Bancorp Inc. Equity
Year Equity Growth
2006 22.536.653
2012 33.580.000 32.89%
2013 47.410.000 29.17%
2014 52.506.000 9.71%
2015 58.678.000 10.52%
2016 68.853.000 14.78%
2017 73.844.000 6.76%
2018 78.009.000 5.34%
2019 86.792.000 10.12%
2020 95.462.000 9.08%
2021 109.649.000 12.94%
2022 87.361.000 -25.51%
2023 138.181.000 36.78%
2023 103.660.000 -33.3%
2024 144.995.000 28.51%

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.

Lyons Bancorp Inc. Assets
Year Assets Growth
2006 338.061.459
2012 665.472.000 49.2%
2013 732.830.000 9.19%
2014 806.844.000 9.17%
2015 867.633.000 7.01%
2016 956.132.000 9.26%
2017 1.031.844.000 7.34%
2018 1.081.697.000 4.61%
2019 1.163.683.000 7.05%
2020 1.423.147.000 18.23%
2021 1.626.166.000 12.48%
2022 1.753.815.000 7.28%
2023 1.872.729.000 6.35%
2023 1.851.541.000 -1.14%
2024 1.966.508.000 5.85%

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.

Lyons Bancorp Inc. Liabilities
Year Liabilities Growth
2006 315.524.806
2012 9.217.000 -3323.29%
2013 685.420.000 98.66%
2014 754.338.000 9.14%
2015 808.955.000 6.75%
2016 887.279.000 8.83%
2017 958.000.000 7.38%
2018 1.003.688.000 4.55%
2019 1.076.891.000 6.8%
2020 1.327.685.000 18.89%
2021 1.516.517.000 12.45%
2022 1.666.454.000 9%
2023 0 0%
2023 1.747.881.000 100%
2024 0 0%

Lyons Bancorp Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
17.87
Net Income per Share
4.77
Price to Earning Ratio
8.27x
Price To Sales Ratio
1.93x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.93
EV to Sales
1.93
EV Over EBITDA
11.09
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.12
FreeCashFlow Yield
0
Market Cap
0,12 Bil.
Enterprise Value
0,12 Bil.
Graham Number
67.53
Graham NetNet
0

Income Statement Metrics

Net Income per Share
4.77
Income Quality
0
ROE
0.12
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.78
EBT Per Ebit
0.57
Ebit per Revenue
0.57
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.57
Pretax Profit Margin
0.33
Net Profit Margin
0.25

Dividends

Dividend Yield
0.04
Dividend Yield %
3.97
Payout Ratio
0
Dividend Per Share
1.57

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.22
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
575,79
Tangible Book Value per Share
575.79
Shareholders Equity per Share
42.45
Interest Debt per Share
0
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
1,97 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

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.

Lyons Bancorp Inc. Dividends
Year Dividends Growth
2006 1
2007 1 100%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Lyons Bancorp Inc. Profile

About Lyons Bancorp Inc.

Lyons Bancorp Inc., a financial holding company, provides a range of commercial and retail banking services to individual and small business customers. It offers checking accounts, savings accounts, individual retirement accounts, and certificates of deposit. The company also provides loans comprising commercial real estate, agricultural real estate, commercial and agricultural, and consumer installment loans; and residential real estate loans that include classes for 1-4 family and home equity loans, as well as consumer loans, which comprise recreational, auto, personal, personal line of credit, and home improvement loans. In addition, it offers financial services, including retirement strategy, investment management, education savings, life insurance, long-term care insurance, and employer and employee benefit services. Further, the company provides mortgage, online and mobile banking, telephone banking, credit and debit card, online cash management, merchant, safe deposit boxes, wire transfer, traveler program, online bill pay, e-statements, money orders, and official checks services. It operates 16 branches located in Wayne, Onondaga, Yates, Ontario, Monroe, Seneca, and Cayuga counties, New York. The company was founded in 1852 and is headquartered in Lyons, New York.

CEO
Mr. Clair J. Britt Jr.
Employee
242
Address
35 William Street
Lyons, 14489

Lyons Bancorp Inc. Executives & BODs

Lyons Bancorp Inc. Executives & BODs
# Name Age
1 Mr. Todd F. Juffs
Executive Vice President & Chief Technology/Cybersecurity Officer
70
2 Mr. Stephen V. DeRaddo
Executive Vice President & Chief Experience Officer
70
3 Mr. Clair J. Britt Jr.
Executive Vice President, Chief Commercial Lending Officer & Director
70
4 Mr. Jeffrey A. Friend
Senior Vice President and Director of Branch & Market Development
70
5 Mr. Joshua N. Miller
Senior Vice President & Director of Retail Loans/Mortgage Division
70
6 Robert S. Flowers
Vice President, Director of Compliance & Legal Counsel
70
7 Ms. Barbara L. Hennessy
Senior Vice President & Director of Marketing
70
8 Mr. Robert W. Sollenne
Senior Vice President & Chief Operating Officer
70
9 Mr. Chad J. Proper
Senior Vice President, Treasurer & Chief Financial Officer
70
10 Danielle M. Ayers
Vice President & Director of Human Resources
70

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