Accepts regular savings deposits, including Christmas Club and statement savings accounts. Offers money market savings and checking accounts. Now — the numbers.
This is an established company with proven profits.
Average growth of 9% a year over the last 4 years. Every year shown ended in profit.
The market pays 20.4× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 84% of them.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 18% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 9% a year on average.
Over the last 12 months, company executives reported 18 buys and 3 sells. Management buying with its own money is usually read as a good sign.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, LSBK sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: LSBK is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.