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Luther Burbank Corp.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US5505501073
USD
9.15
0.00 (0.00%)

Mar 01

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Business First Bancshares, Inc.
Central Pacific Financial Corp.
Cantaloupe, Inc.
Peapack-Gladstone Financial Corp.
South Plains Financial, Inc. (Texas)
HarborOne Bancorp, Inc.
Washington Trust Bancorp, Inc.
Midland States Bancorp, Inc.
Cambridge Bancorp
Luther Burbank Corp.
Horizon Bancorp, Inc. (Indiana)
Why is Luther Burbank Corp. ?
1
With a fall in Interest of NAN%, the company declared Very Negative results in Sep 23
  • The company has declared negative results for the last 4 consecutive quarters
  • INTEREST(9M) At USD 182.85 MM has Grown at 306.03%
  • NII(Q) Lowest at USD 20.45 MM
  • OPERATING CASH FLOW(Y) Lowest at USD 49.78 MM
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Luther Burbank Corp. for you?

Medium Risk, Low Return

Absolute
Risk Adjusted
Volatility
Luther Burbank Corp.
-21.79%
-0.62
35.34%
S&P 500
13.22%
0.61
20.23%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
10.29%
EBIT Growth (5y)
-4.03%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
30.88%
Pledged Shares
0
Institutional Holding
17.74%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
Industry P/E
Price to Book Value
NA
EV to EBIT
18.75
EV to EBITDA
17.95
EV to Capital Employed
0.57
EV to Sales
2.68
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
3.04%
ROE (Latest)
5.17%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Icon
Not enough Data to analyse Financial Trend
Icon
Not enough Data to analyse Financial Trend
Here's what is working for Luther Burbank Corp.
Net Sales
At USD 180.83 MM has Grown at 41.59%
Year on Year (YoY)
MOJO Watch
Near term sales trend is positive

Net Sales (USD MM)

Cash and Eqv
Highest at USD 1,279.09 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is improving

Cash and Cash Equivalents

CASA
Highest at 19.85%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Luther Burbank Corp.
Interest
At USD 182.85 MM has Grown at 306.03%
over previous Semi-Annual period
MOJO Watch
Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Pre-Tax Profit
At USD 2.56 has Fallen at -86.98%
over average net sales of the previous four periods of USD 19.66 MM
MOJO Watch
Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit
At USD 1.91 MM has Fallen at -86.14%
over average net sales of the previous four periods of USD 13.76 MM
MOJO Watch
Near term Net Profit trend is very negative

Net Profit (USD MM)

NII
Lowest at USD 20.45 MM and Fallen
In each period in the last five periods
MOJO Watch
The bank's income from core business is falling

NII (USD MM)

Operating Profit
Lowest at USD 2.56 and Fallen
In each period in the last five periods
MOJO Watch
Near term Operating Profit trend is quite negative

Operating Profit (USD MM)

Operating Profit Margin
Lowest at 2.84 % and Fallen
In each period in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit
Lowest at USD 2.56 and Fallen
In each period in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit
Lowest at USD 1.91 MM and Fallen
In each period in the last five periods
MOJO Watch
Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow
Lowest at USD 49.78 MM
in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

EPS
Lowest at USD 0.04 MM
in the last five periods
MOJO Watch
Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Dividend per share
Lowest at USD 0
in the last five years
MOJO Watch
Company is distributing lower dividend than previous years

DPS (USD)

Dividend Payout Ratio
Lowest at 0%
in the last five years
MOJO Watch
Company is distributing lower proportion of profits generated as dividend

DPR (%)

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