Level One Bancorp, Inc. (LEVLP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Level One Bancorp, Inc. (LEVLP) trades at $26.24. Level One Bancorp, Inc. operates as the bank holding company for Level One Bank, providing a range of business and consumer financial services in Michigan. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for LEVLP: LEVLP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates LEVLP against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on LEVLP.
How is this calculated? →Level One Bancorp, Inc. (LEVLP) Financial Services Profile
Level One Bancorp, headquartered in Farmington Hills, Michigan, provides community banking services, including commercial and residential lending, deposit accounts, and treasury management solutions, primarily within Southeast and West Michigan. With a P/E ratio of 9.47 and a profit margin of 32.5%, Level One focuses on serving local businesses and individuals.
What Is the Investment Thesis for LEVLP?
Level One Bancorp presents a compelling investment case based on its strong regional presence in Michigan and its focus on serving small to medium-sized businesses. With a P/E ratio of 9.47 and a profit margin of 32.5%, the company demonstrates solid profitability. Growth catalysts include expansion of its commercial lending portfolio and increased adoption of its digital banking services. However, potential risks include interest rate sensitivity and competition from larger regional and national banks. The company's beta of 0.79 suggests lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
LEVLP Key Highlights
Profit Margin of 32.5% indicates efficient operations and strong profitability.
- P/E Ratio of 9.47 suggests the company may be undervalued compared to its earnings.
- Gross Margin of 100.0% reflects the nature of the banking business, where revenue is primarily derived from interest income and fees.
- Operates sixteen banking centers throughout southeast Michigan and west Michigan, providing a strong local presence.
- Beta of 0.79 indicates lower volatility compared to the market, potentially offering a more stable investment.
Who Are LEVLP's Competitors?
LEVLP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CVCY Central Valley Community Bancorp | $19.89 | +2.26% | $235M | 44 |
| FLIC The First of Long Island Corporation | $11.87 | +0.25% | $269M | 47 |
| FRC First Republic Bank | $3.51 | +0.00% | $654M | 52 |
| HMST HomeStreet, Inc. | $13.87 | +1.84% | $262M | 66 |
| PWOD Penns Woods Bancorp, Inc. | $30.00 | -1.64% | $228M | 49 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LEVLP's Key Strengths?
Strong local presence in Michigan
- Focus on personalized service
- Solid profitability with a 32.5% profit margin
- Experienced management team
What Are LEVLP's Weaknesses?
Limited geographic diversification
- Smaller size compared to larger regional banks
- Reliance on traditional banking services
- Lack of dividend yield
What Could Drive LEVLP Stock Higher?
Potential increase in commercial lending activity due to economic growth in Michigan.
- Continued adoption of digital banking services by customers.
- Strategic initiatives to expand market share in key geographic areas.
What Are the Key Risks for LEVLP?
Interest rate hikes could negatively impact net interest margin.
- Economic downturn in Michigan could lead to increased loan defaults.
- Competition from larger regional and national banks.
- Regulatory changes could increase compliance costs.
What Are the Growth Opportunities for LEVLP?
- Expansion of Commercial Lending Portfolio: Level One Bancorp can drive growth by expanding its commercial lending portfolio, targeting small and medium-sized businesses in Michigan. The market for commercial loans in Michigan is estimated to be worth several billion dollars annually. By offering competitive rates and personalized service, Level One can attract new customers and increase its market share. This expansion can be achieved within the next 2-3 years.
- Increased Adoption of Digital Banking Services: Level One Bancorp can enhance customer engagement and reduce operating costs by promoting its digital banking services. The adoption of mobile and online banking is increasing rapidly, with a projected market size of $10 billion by 2028. By investing in user-friendly platforms and offering incentives, Level One can attract tech-savvy customers and improve efficiency. This initiative can be implemented over the next 1-2 years.
- Strategic Acquisitions of Smaller Banks or Credit Unions: Level One Bancorp can accelerate its growth through strategic acquisitions of smaller banks or credit unions in Michigan. The market for bank acquisitions is active, with numerous opportunities to expand its footprint and customer base. By carefully selecting targets and integrating them effectively, Level One can achieve economies of scale and increase its market share. This strategy can be pursued over the next 3-5 years.
- Development of Specialized Lending Products: Level One Bancorp can differentiate itself by developing specialized lending products tailored to specific industries or customer segments. For example, it could offer loans for renewable energy projects or financing for healthcare practices. By focusing on niche markets, Level One can attract new customers and generate higher returns. This initiative can be launched within the next 1-2 years.
- Enhancement of Wealth Management Services: Level One Bancorp can increase its revenue and customer loyalty by enhancing its wealth management services. The market for wealth management is growing, with a projected market size of $30 billion by 2027. By offering personalized financial planning and investment advice, Level One can attract high-net-worth individuals and families. This expansion can be implemented over the next 2-3 years.
What Are LEVLP's Competitive Advantages?
- Strong local presence in Michigan.
- Focus on personalized service.
- Established relationships with customers.
- Deep understanding of local market conditions.
What Does LEVLP Do?
Level One Bancorp, Inc., established in 2006, functions as the bank holding company for Level One Bank, a community-focused financial institution operating in Michigan. The bank offers a comprehensive suite of financial services tailored to both businesses and consumers. Its deposit products encompass a variety of options, including checking, interest-bearing demand, money market, savings, and term certificate accounts, designed to meet diverse customer needs. On the lending side, Level One Bank provides a wide array of products, including commercial real estate loans (encompassing construction and land development), commercial and industrial loans (such as lines of credit, term loans, and SBA loans), residential real estate loans, and consumer loans (including home equity loans, auto loans, and credit card services). These lending solutions are designed to support the growth and financial well-being of its customers. Beyond traditional banking services, Level One Bank offers advanced cash and treasury management solutions, along with mobile and internet banking platforms, debit cards, and access to automated teller machines. The bank primarily serves individuals, owner-managed businesses, professional firms, real estate professionals, and not-for-profit organizations. As of January 29, 2021, Level One operated sixteen banking centers located throughout southeast and west Michigan, along with a mortgage loan production office in Ann Arbor, Michigan, expanding its reach and service capabilities within the region.
What Products and Services Does LEVLP Offer?
- Provides checking, savings, and money market accounts.
- Offers commercial real estate loans, including construction and land development loans.
- Provides commercial and industrial loans, including lines of credit and term loans.
- Offers residential real estate loans.
- Provides consumer loans, including home equity and auto loans.
- Offers credit card services.
- Provides cash management and treasury management services.
- Offers mobile and internet banking services.
How Does LEVLP Make Money?
- Generates revenue primarily from interest income on loans.
- Earns fees from deposit accounts and other services.
- Manages risk through diversification of loan portfolio.
- Focuses on building long-term relationships with customers.
What Industry Does LEVLP Operate In?
Level One Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with increasing adoption of online and mobile banking services. The competitive landscape includes larger national banks, regional players, and credit unions. Level One differentiates itself through its focus on personalized service and local market expertise. The regional banking sector is sensitive to interest rate changes and economic conditions in its operating areas.
Who Are LEVLP's Key Customers?
- Individuals
- Owner-managed businesses
- Professional firms
- Real estate professionals
- Not-for-profit businesses
Key Financial Metrics
Return on equity for Level One Bancorp, Inc. stands at 14.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. LEVLP trades at a trailing price-to-earnings ratio of 9.47, below the Financial Services sector average of ~18x. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.6%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Level One Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Farmington Hills, US. The company is led by CEO Patrick J. Fehring Jr.. LEVLP has traded publicly since 2020.
Insider Activity
The most recent 12 insider filings for Level One Bancorp, Inc. break down as 12 sales and 0 purchases. On net that is roughly 201K shares disposed (about $980K), a signal worth weighing alongside the fundamentals.
LEVLP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong local presence in Michigan
- Focus on personalized service
- Solid profitability with a 32.5% profit margin
- Experienced management team
Bear Case
- Limited geographic diversification
- Smaller size compared to larger regional banks
- Reliance on traditional banking services
- Lack of dividend yield
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
LEVLP Latest News
No recent news available for LEVLP.
LEVLP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LEVLP.
Price Targets
Wall Street price target analysis for LEVLP.
LEVLP MoonshotScore
What does this score mean?
The MoonshotScore rates LEVLP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Patrick J. Fehring Jr.
Unknown
Information on Patrick J. Fehring Jr.'s specific background and career history is not available within the provided data. Without additional data, a detailed profile cannot be accurately constructed. Further research would be needed to determine his educational background, previous roles, and relevant credentials in the banking or financial services industry.
Track Record: Due to the lack of available information, it is not possible to provide a detailed track record of Patrick J. Fehring Jr.'s achievements and strategic decisions at Level One Bancorp. Further research would be necessary to assess his performance and contributions to the company's growth and success.
What Investors Ask About Level One Bancorp, Inc. (LEVLP) — Financial Services
What does Level One Bancorp, Inc. do?
Level One Bancorp, Inc. operates as the holding company for Level One Bank, a community bank providing financial services to individuals, owner-managed businesses, professional firms, real estate professionals, and not-for-profit businesses in Michigan.
What are the main risks for LEVLP?
Level One Bancorp faces several risks, including interest rate sensitivity, which could impact its net interest margin if rates rise. An economic downturn in Michigan could lead to increased loan defaults and reduced profitability. The company also faces competition from larger regional and national banks with greater resources and broader service offerings.
What are the key factors to evaluate for LEVLP?
Evaluate LEVLP on fundamentals, analyst consensus, and risk factors. Level One Bancorp presents a compelling investment case based on its strong regional presence in Michigan and its focus on serving small to medium-sized businesses. Not financial advice.
How frequently does LEVLP data refresh on this page?
LEVLP's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven LEVLP's recent stock price performance?
Level One Bancorp, Inc. (LEVLP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Michigan. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LEVLP overvalued or undervalued right now?
Level One Bancorp, Inc. (LEVLP) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research LEVLP before investing?
Before investing in Level One Bancorp, Inc. (LEVLP), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding LEVLP to a portfolio?
Key strength of Level One Bancorp, Inc. (LEVLP): Strong local presence in Michigan. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2021 and 2026-03-18.
- AI analysis is pending and may provide further insights.