Liberty Bancshares, Inc. (LBSI) 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.
Liberty Bancshares, Inc. (LBSI) trades at $72.00 with AI Score 46/100 (Grade C). Liberty Bancshares, Inc. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for LBSI: LBSI 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 LBSI against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
LBSI: 1/2 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Liberty Bancshares, Inc. (LBSI) Financial Services Profile
Liberty Bancshares, Inc., through Liberty National Bank, provides banking and financial services to individuals and corporate clients across six Ohio branches, offering traditional and digital solutions; its low beta suggests relatively stable performance compared to the broader market, but OTC listing introduces unique risks.
What Is the Investment Thesis for LBSI?
Liberty Bancshares, Inc. presents a community banking model with a focus on traditional banking services in Ohio. With a beta of 0.14, the stock demonstrates lower volatility compared to the broader market, potentially appealing to risk-averse investors. Growth catalysts include expanding digital banking services and increasing commercial lending activities within its existing branch network. However, the company faces challenges associated with its OTC listing, including limited liquidity and transparency. The company's ability to maintain asset quality and navigate regulatory changes will be critical to its long-term success. Investors should carefully consider the risks associated with OTC-traded securities before investing.
Based on FMP financials and quantitative analysis
LBSI Key Highlights
Liberty Bancshares operates as the holding company for Liberty National Bank, a community bank founded in 1893.
- The company has a network of six branches located in various communities in Ohio.
- Liberty National Bank offers a range of financial products and services, including deposit accounts, loans, and online banking.
- The company's beta of 0.14 suggests lower volatility compared to the broader market.
- Liberty Bancshares trades on the OTC market, which carries specific risks related to liquidity and disclosure.
Who Are LBSI's Competitors?
LBSI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AGRIP AgriBank, FCB | $99.80 | +0.05% | $46.8B | 52 |
| AKSJF Sberbank of Russia | $2.95 | +0.00% | $66.5B | — |
| ALBKF Alpha Services and Holdings S.A. | $3.60 | +0.00% | $8.32B | 50 |
| ANEWF Australia and New Zealand Banking Group Limited | $17.00 | +0.00% | $53.4B | 45 |
| 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 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LBSI's Key Strengths?
Long-standing history and established presence in local markets.
- Strong customer relationships and community focus.
- Diverse range of banking products and services.
- Low beta indicating relatively stable performance.
What Are LBSI's Weaknesses?
Limited geographic reach compared to larger banks.
- Dependence on traditional banking services.
- OTC listing with associated liquidity and disclosure risks.
- Smaller scale and resources compared to competitors.
What Could Drive LBSI Stock Higher?
Expansion of digital banking services to attract new customers and improve customer retention.
- Increased commercial lending activities to support local businesses and generate higher interest income.
- Potential strategic partnerships with fintech companies to enhance product offerings and reach new markets.
- Possible geographic expansion within Ohio to reach new markets and customers.
- Focus on wealth management services to cater to the growing demand for financial planning and investment advice.
What Are the Key Risks for LBSI?
Increased competition from larger national and regional banks.
- Regulatory changes and compliance costs affecting profitability.
- Economic downturns impacting loan demand and asset quality.
- Cybersecurity risks and data breaches compromising customer information.
- Limited liquidity and transparency associated with OTC trading.
What Are the Growth Opportunities for LBSI?
- Expansion of Digital Banking Services: Liberty Bancshares can capitalize on the increasing demand for digital banking solutions by enhancing its online and mobile banking platforms. This includes offering a wider range of digital services, such as mobile check deposit, online account opening, and personalized financial management tools. The market for digital banking is expected to grow significantly in the coming years, driven by changing consumer preferences and technological advancements. By investing in digital innovation, Liberty Bancshares can attract new customers, improve customer retention, and reduce operating costs.
- Increased Commercial Lending Activities: Liberty Bancshares can focus on expanding its commercial lending activities within its existing branch network. This involves targeting small and medium-sized businesses in its local communities and providing them with tailored financing solutions. The market for commercial loans is substantial, and Liberty Bancshares can leverage its local market knowledge and relationship-based approach to gain a competitive advantage. By increasing its commercial lending activities, the company can generate higher interest income and diversify its loan portfolio.
- Strategic Partnerships with Fintech Companies: Liberty Bancshares can explore strategic partnerships with fintech companies to enhance its product offerings and reach new customers. This includes partnering with fintech companies that specialize in areas such as online lending, payment processing, and financial planning. By collaborating with fintech companies, Liberty Bancshares can leverage their technology and expertise to improve its customer experience and expand its market reach. These partnerships can also help the company to innovate and adapt to the changing competitive landscape.
- Geographic Expansion within Ohio: Liberty Bancshares can consider expanding its branch network within Ohio to reach new markets and customers. This involves identifying attractive locations for new branches and developing a comprehensive expansion strategy. The company can leverage its existing brand recognition and customer base to gain a foothold in new markets. By expanding its geographic footprint, Liberty Bancshares can increase its market share and revenue potential. However, the company should carefully evaluate the competitive landscape and economic conditions in each potential market before expanding.
- Focus on Wealth Management Services: Liberty Bancshares can expand its wealth management services to cater to the growing demand for financial planning and investment advice. This includes offering a range of wealth management products and services, such as retirement planning, investment management, and estate planning. The market for wealth management services is substantial, and Liberty Bancshares can leverage its existing customer relationships and financial expertise to gain a competitive advantage. By expanding its wealth management services, the company can generate additional fee income and diversify its revenue streams.
What Are LBSI's Competitive Advantages?
- Established local presence and brand recognition in its Ohio markets.
- Long-standing customer relationships built over decades of service.
- Focus on community banking and personalized customer service.
- Access to local market knowledge and expertise.
What Does LBSI Do?
Liberty Bancshares, Inc., established in 1893, serves as the bank holding company for Liberty National Bank. Headquartered in Ada, Ohio, the bank has a long history of providing financial services to its local communities. Over the years, Liberty National Bank has expanded its services to include a comprehensive suite of banking products tailored to both individual and corporate clients. These include checking, savings, and NOW accounts, as well as various deposit options like demand and money market accounts, and certificates of deposit. The bank also offers gift cards as part of its retail banking services. In terms of lending, Liberty National Bank provides a wide array of loan products, including real estate, consumer, commercial and agricultural, term, SBA guaranteed, and mortgage loans. Additionally, it offers financial instruments such as letters of credit and lines of credit, along with credit and debit cards. To meet the evolving needs of its customers, Liberty National Bank provides online bill payment, cash management, merchant services, remote deposit capture, and wire transfer services. Furthermore, the bank offers financial and insurance planning services, and provides online and mobile banking platforms. The company operates through a network of six branches located in Ada, Bellefontaine, Kenton, Marysville, and Westerville, Ohio. This regional focus allows Liberty Bancshares to maintain close relationships with its customers and tailor its services to the specific needs of the local market.
What Products and Services Does LBSI Offer?
- Provides checking, savings, and NOW accounts.
- Offers demand and money market deposits.
- Provides certificates of deposit and gift cards.
- Offers real estate, consumer, commercial and agricultural loans.
- Provides term, SBA guaranteed, and mortgage loans.
- Offers letters of credit and lines of credit.
- Provides credit and debit cards.
- Offers online bill payment, cash management, and remote deposit capture.
How Does LBSI Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as online banking, cash management, and merchant services.
- Attracts deposits from individuals and businesses through its branch network and online platforms.
- Manages risk through underwriting standards and diversification of its loan portfolio.
What Industry Does LBSI Operate In?
Liberty Bancshares, Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks and smaller community banks. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic conditions. Regional banks like Liberty Bancshares often focus on building strong relationships with local customers and providing personalized services. The rise of fintech companies and online banking platforms is also reshaping the competitive landscape, requiring traditional banks to adapt and innovate to remain competitive. The regional banking sector is subject to regulatory oversight, including capital requirements and compliance standards.
Who Are LBSI's Key Customers?
- Individual customers seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- Agricultural businesses needing financing for their operations.
- Customers seeking financial and insurance planning services.
Company Profile
Liberty Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Ada, US. The company is led by CEO Ronald L. Zimmerly Jr.. LBSI has traded publicly since 2019.
Liberty Bancshares, Inc. (LBSI) Valuation Context
Relative to its peer group, LBSI's quantitative score of 46/100 is below the peer average of 61/100.
LBSI Financials
Bull Case vs Bear Case
Bull Case
- Long-standing history and established presence in local markets.
- Strong customer relationships and community focus.
- Diverse range of banking products and services.
- Low beta indicating relatively stable performance.
Bear Case
- Limited geographic reach compared to larger banks.
- Dependence on traditional banking services.
- OTC listing with associated liquidity and disclosure risks.
- Smaller scale and resources compared to competitors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
LBSI Latest News
No recent news available for LBSI.
LBSI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LBSI.
Price Targets
Wall Street price target analysis for LBSI.
LBSI MoonshotScore
What does this score mean?
The MoonshotScore rates LBSI 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Ronald L. Zimmerly Jr.
CEO
Ronald L. Zimmerly Jr. serves as the CEO of Liberty Bancshares, Inc. His leadership is pivotal in guiding the company's strategic direction and overseeing its operations. With experience in the financial services industry, Zimmerly brings a wealth of knowledge to his role. He is responsible for managing the company's 67 employees and ensuring the delivery of high-quality banking services to its customers. His expertise in banking and finance is instrumental in driving the company's growth and profitability.
Track Record: Under Ronald L. Zimmerly Jr.'s leadership, Liberty Bancshares, Inc. has focused on maintaining its strong community banking presence and adapting to the evolving needs of its customers. Key achievements include expanding digital banking services and strengthening relationships with local businesses. Zimmerly has also overseen efforts to enhance the company's risk management practices and ensure compliance with regulatory requirements. His strategic decisions have contributed to the company's stability and long-term success.
LBSI OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Liberty Bancshares, Inc. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial information available and may not be subject to the same level of regulatory scrutiny as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries significant risks due to the potential for limited liquidity, transparency, and regulatory oversight. Investors should conduct thorough due diligence and carefully consider the risks before investing.
- OTC Tier: OTC Other
- Limited liquidity and wider bid-ask spreads.
- Lack of regulatory oversight and financial transparency.
- Potential for price volatility and manipulation.
- Higher risk of fraud and scams compared to listed companies.
- Limited access to company information and management.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance and risk management practices.
- Understand the risks associated with OTC trading and the specific tier of the company.
- Consult with a financial advisor before investing.
- Check for any red flags or warning signs, such as lawsuits or regulatory actions.
- Long-standing history and established presence in local markets.
- Membership in industry associations and regulatory bodies.
- Positive customer reviews and testimonials.
- Audited financial statements and disclosures (if available).
- Active engagement with investors and the public.
LBSI Financial Services Stock FAQ
What does the AI Score mean for LBSI?
LBSI holds an AI Score of 46/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Liberty Bancshares, Inc., founded in 1893, operates as the bank holding company for Liberty National Bank, providing financial products and services to individuals and businesses. The company …
What does Liberty Bancshares, Inc. do?
Liberty Bancshares, Inc. operates as the bank holding company for Liberty National Bank, providing a range of financial products and services to individuals and businesses. These include deposit accounts, loans, and online banking services. The company focuses on serving its local communities in Ohio through a network of six branches.
What do analysts say about LBSI stock?
As a thinly traded OTC stock, LBSI is not widely covered by analysts. Due to the limited information available and the inherent risks associated with OTC-traded securities, a comprehensive analyst consensus is not readily available. Investors should conduct their own thorough research and consider the risks before investing.
What are the main risks for LBSI?
The main risks for LBSI include the limited liquidity and transparency associated with OTC trading. This can result in wider bid-ask spreads and increased price volatility. The company also faces competition from larger national and regional banks, as well as regulatory changes and compliance costs. Economic downturns can negatively impact loan demand and asset quality.
What are the key factors to evaluate for LBSI?
Liberty Bancshares, Inc. (LBSI) holds an AI score of 46/100 (low). presents a community banking model with a focus on traditional banking services in Ohio. Not financial advice.
How frequently does LBSI data refresh on this page?
LBSI'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 LBSI's recent stock price performance?
Liberty Bancshares, Inc. (LBSI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established presence in local markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LBSI overvalued or undervalued right now?
Liberty Bancshares, Inc. (LBSI) 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 LBSI before investing?
Before investing in Liberty Bancshares, Inc. (LBSI), 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).
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.
- OTC data may be less reliable than exchange-listed data.
- Analyst coverage may be limited due to OTC listing.