Lake Sunapee Bank Group
Lake Sunapee Bank Group Fundamental Analysis
Lake Sunapee Bank Group (LSBG) shows moderate financial fundamentals with a PE ratio of 20.03, profit margin of 21.88%, and ROE of 6.53%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 50.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze LSBG's fundamental strength across five key dimensions:
Efficiency Score
WeakLSBG struggles to generate sufficient returns from assets.
Valuation Score
ExcellentLSBG trades at attractive valuation levels.
Growth Score
WeakLSBG faces weak or negative growth trends.
Financial Health Score
ModerateLSBG shows balanced financial health with some risks.
Profitability Score
WeakLSBG struggles to sustain strong margins.
Key Financial Metrics
Is LSBG Expensive or Cheap?
P/E Ratio
LSBG trades at 20.03 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, LSBG's PEG of 0.20 indicates potential undervaluation.
Price to Book
The market values Lake Sunapee Bank Group at 1.32 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -5.99 times EBITDA. This is generally considered low.
How Well Does LSBG Make Money?
Net Profit Margin
For every $100 in sales, Lake Sunapee Bank Group keeps $21.88 as profit after all expenses.
Operating Margin
Core operations generate 21.88 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.53 in profit for every $100 of shareholder equity.
ROA
Lake Sunapee Bank Group generates $0.59 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $1.77 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
20.03
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.20
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.32
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.37
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.39
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.006
vs 25 benchmark
How LSBG Stacks Against Its Sector Peers
| Metric | LSBG Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 20.03 | 18.56 | Neutral |
| ROE | 6.53% | 828.00% | Weak |
| Net Margin | 21.88% | 2518.00% | Weak |
| Debt/Equity | 1.37 | 1.00 | Weak (High Leverage) |
| Current Ratio | 4.39 | 663.54 | Strong Liquidity |
| ROA | 0.59% | -21156.00% (disorted) | Weak |
LSBG outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Lake Sunapee Bank Group's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical