Ledyard Financial Group, Inc. (LFGP)
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.
Ledyard Financial Group, Inc. (LFGP) trades at $17.98 with AI Score 51/100 (Grade B). Ledyard Financial Group, Inc. is a bank holding company providing retail and commercial banking, and wealth advisory services in New Hampshire and Vermont. Market cap: $61.98M, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for LFGP: LFGP 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 LFGP against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
LFGP: 2/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Ledyard Financial Group, Inc. (LFGP) Financial Services Profile
Ledyard Financial Group, Inc., established in 1991, operates as a regional bank holding company offering banking and wealth advisory services in New Hampshire and Vermont. With a market capitalization of $61.98M, the company focuses on providing personalized financial solutions through its Banking and Wealth Advisory Services segments, emphasizing community relationships and local market expertise.
What Is the Investment Thesis for LFGP?
Ledyard Financial Group presents a focused investment opportunity within the regional banking sector, primarily serving New Hampshire and Vermont. With a modest market capitalization of $61.98M and a profit margin of 13.3%, the company demonstrates consistent profitability. Its return on equity (ROE) of 9.3% indicates efficient capital utilization. The company's low beta of 0.18 suggests lower volatility compared to the broader market. Growth catalysts include expansion of wealth advisory services and strategic lending initiatives within its geographic footprint. However, the absence of a dividend yield may deter some investors. Key risks include interest rate sensitivity and competition from larger regional and national banks.
Based on FMP financials and quantitative analysis
LFGP Key Highlights
- Market capitalization of $61.98M indicates a smaller, community-focused banking institution.
- Profit margin of 13.3% demonstrates effective cost management and revenue generation.
- Return on equity (ROE) of 9.3% reflects efficient utilization of shareholder equity.
- Beta of 0.18 suggests lower volatility compared to the broader market, potentially appealing to risk-averse investors.
- Operates in the Banking and Wealth Advisory Services segments, providing diversified revenue streams.
Who Are LFGP's Competitors?
LFGP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BMRC Bank of Marin Bancorp | $28.48 | +0.18% | $461.08M | 43 |
| CASH Pathward Financial, Inc. | $89.31 | +0.66% | $1.89B | 92 |
| FFIC Flushing Financial Corporation | $15.47 | +0.00% | $524.18M | 55 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LFGP's Key Strengths?
- Strong local presence in New Hampshire and Vermont.
- Diversified revenue streams from banking and wealth advisory services.
- Experienced management team.
- High insider ownership aligning management with shareholder interests.
What Are LFGP's Weaknesses?
- Small market capitalization limits access to capital markets.
- Limited geographic diversification.
- Dependence on local economic conditions.
- Lack of dividend yield may deter some investors.
What Could Drive LFGP Stock Higher?
- Expansion of wealth advisory services to attract new clients and increase assets under management.
- Strategic lending initiatives targeting specific sectors such as healthcare and small businesses.
- Digital banking enhancements to improve customer experience and attract a younger demographic.
- Community engagement and brand building efforts to enhance Ledyard's reputation.
- Cross-selling opportunities between the Banking and Wealth Advisory Services segments.
What Are the Key Risks for LFGP?
- Financial-distress signal — its Altman Z-Score of -0.91 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Interest rate fluctuations impacting net interest margin.
- Increased competition from larger regional and national banks.
- Regulatory changes affecting the banking industry.
- Economic downturns impacting loan quality and asset values.
- Limited liquidity in the OTC market potentially leading to price volatility.
What Are the Growth Opportunities for LFGP?
- Expansion of Wealth Advisory Services: Ledyard can capitalize on the growing demand for wealth management services by expanding its offerings and attracting new clients. The wealth management market is projected to grow as the population ages and individuals seek comprehensive financial planning. By enhancing its team of advisors and leveraging technology, Ledyard can increase its assets under management and generate higher fee income. This expansion can be achieved within the next 3-5 years, contributing significantly to revenue growth.
- Strategic Lending Initiatives: Ledyard can focus on strategic lending initiatives within its geographic footprint to drive loan growth. By targeting specific sectors such as healthcare and small businesses, the company can capitalize on local economic opportunities. Offering tailored loan products and competitive interest rates can attract new borrowers and increase market share. This initiative can be implemented over the next 2-3 years, boosting interest income and overall profitability.
- Digital Banking Enhancements: Investing in digital banking enhancements can improve customer experience and attract a younger demographic. By offering user-friendly online and mobile banking platforms, Ledyard can enhance customer convenience and increase engagement. Implementing features such as mobile check deposit, online bill pay, and personalized financial management tools can attract and retain customers. These enhancements can be rolled out within the next 1-2 years, improving customer satisfaction and reducing operational costs.
- Community Engagement and Brand Building: Strengthening community engagement and brand building efforts can enhance Ledyard's reputation and attract new customers. By actively participating in local events, supporting community initiatives, and sponsoring local organizations, the company can build goodwill and increase brand awareness. This ongoing effort can differentiate Ledyard from larger competitors and foster customer loyalty. Community engagement can be a continuous process, yielding long-term benefits and sustainable growth.
- Cross-Selling Opportunities: Leveraging cross-selling opportunities between the Banking and Wealth Advisory Services segments can increase customer retention and revenue generation. By offering bundled services and personalized solutions, Ledyard can cater to the diverse financial needs of its customers. For example, banking customers can be offered wealth management services, and wealth management clients can be offered banking products. This integrated approach can enhance customer relationships and drive revenue growth within the next 1-2 years.
What Opportunities Does LFGP Have?
- Expansion of wealth advisory services.
- Strategic lending initiatives in target sectors.
- Digital banking enhancements to attract younger customers.
- Cross-selling opportunities between banking and wealth advisory services.
What Threats Does LFGP Face?
- Interest rate fluctuations impacting net interest margin.
- Increased competition from larger regional and national banks.
- Regulatory changes affecting the banking industry.
- Economic downturns impacting loan quality and asset values.
What Are LFGP's Competitive Advantages?
- Strong local presence and community relationships in New Hampshire and Vermont.
- Established reputation for personalized service and local market expertise.
- Diversified revenue streams from banking and wealth advisory services.
- Experienced management team with deep industry knowledge.
What Does LFGP Do?
Ledyard Financial Group, Inc., founded in 1991 and headquartered in Hanover, New Hampshire, operates as the bank holding company for Ledyard National Bank. The bank provides a comprehensive suite of retail and commercial banking, and wealth advisory services to individuals and businesses across New Hampshire and Vermont. Ledyard operates through two primary segments: Banking and Wealth Advisory Services. The Banking segment offers a range of deposit products, including checking, savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also provides personal mortgages and loans, such as express home, manufactured home, student, and consumer loans, along with home equity loans and lines of credit, first-time homebuyers mortgages, and credit cards. The commercial banking side includes business loans, healthcare banking, cash management, workplace banking programs, payroll services, and specialized checking accounts for small businesses, community organizations, and non-profits. The Wealth Advisory Services segment delivers investment management, financial and tax planning, insurance solutions, family and charitable gifting strategies, business succession planning, retirement planning, and estate administration services. Ledyard also provides online and mobile banking, mobile wallet, and MoneyMap management services, enhancing customer convenience and accessibility.
What Products and Services Does LFGP Offer?
- Provides retail and commercial banking services.
- Offers wealth advisory services including investment management and financial planning.
- Provides checking, savings, and money market accounts.
- Offers personal and business loans.
- Provides online and mobile banking services.
- Offers cash management and payroll services for businesses.
- Provides trust and estate planning services.
How Does LFGP Make Money?
- Generates revenue through interest income from loans.
- Earns fees from wealth advisory services.
- Collects service charges and fees from deposit accounts.
- Manages assets and provides financial planning for individuals and businesses.
What Industry Does LFGP Operate In?
Ledyard Financial Group operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Regional banks like Ledyard differentiate themselves through personalized service, local market knowledge, and community involvement. The wealth management segment is experiencing growth due to an aging population and increasing demand for financial planning services. The regional banking market is expected to see moderate growth, driven by economic expansion in specific geographic areas and increased lending activity.
Who Are LFGP's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial banking solutions.
- High-net-worth individuals seeking wealth management services.
- Non-profit organizations needing banking services.
How Ledyard Financial Group, Inc. Is Valued
Ledyard Financial Group, Inc. carries a market capitalization of $61.98M, placing it in the micro-cap category. Relative to its peer group, LFGP's quantitative score of 51/100 is below the peer average of 66/100.
Company Profile
Ledyard Financial Group, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Hanover, US. The company is led by CEO Josephine Moran. LFGP has traded publicly since 2007.
ROE 11%Key Financial Metrics
Return on equity for Ledyard Financial Group, Inc. stands at 10.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. LFGP trades at a trailing price-to-earnings ratio of 9.50, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.5%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 3/9Financial Health
Ledyard Financial Group, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.91 places it in the distress zone, a signal of elevated financial risk.
LFGP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Ledyard's insider buying suggests strong confidence in the company's future, a classic sign traders watch closely.
- Positive community sentiment indicates a belief in Ledyard's long-term strategy and market positioning.
- Recent developments suggest Ledyard is adapting well to the changing financial landscape, fueling bullish sentiment.
- Bullish community views highlight the company's perceived stability and growth potential within its sector.
Bear Case
- Recent insider selling, while not always negative, can create uncertainty about short-term prospects.
- Negative community sentiment points to concerns about Ledyard's ability to compete effectively in the current market.
- Market perception suggests some investors are wary of Ledyard's growth prospects compared to larger competitors.
- Bearish community views highlight potential challenges related to regulatory changes or economic headwinds impacting the financial sector.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
LFGP Latest News
No recent news available for LFGP.
LFGP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LFGP.
Price Targets
Wall Street price target analysis for LFGP.
LFGP MoonshotScore
What does this score mean?
The MoonshotScore rates LFGP's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
LFGP OTC Market Information
The OTCQX tier represents the highest tier of the OTC market, indicating a higher level of regulatory compliance and financial standards compared to lower tiers like OTCQB or Pink. Companies on OTCQX must meet specific financial and corporate governance requirements, providing investors with greater transparency and confidence. This tier is designed for established, investor-focused companies that are committed to providing current and reliable information to the public, differentiating them from speculative or distressed companies on other OTC tiers. Trading on OTCQX can improve a company's visibility and credibility, attracting a broader range of investors.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited liquidity compared to major exchanges.
- Potential for wider bid-ask spreads.
- Less stringent regulatory oversight than NYSE or NASDAQ.
- Greater price volatility due to lower trading volume.
- Information asymmetry due to less analyst coverage.
- Verify the company's financial statements and SEC filings.
- Review the company's corporate governance structure and management team.
- Assess the company's competitive position and market share.
- Analyze the company's cash flow and debt levels.
- Evaluate the company's growth prospects and strategic initiatives.
- Monitor news and press releases for any material developments.
- Consult with a financial advisor to assess the risks and rewards of investing in LFGP.
- OTCQX tier listing indicates a higher level of compliance and transparency.
- Current disclosure status reflects a commitment to providing ongoing financial information.
- Established history of operations since 1991.
- Focus on community banking and wealth advisory services.
- Positive profit margin and return on equity.
Ledyard Financial Group, Inc. Financial Services Stock: Key Questions Answered
What does Ledyard Financial Group, Inc. do?
Ledyard Financial Group, Inc. operates as the bank holding company for Ledyard National Bank, providing retail and commercial banking, and wealth advisory services in New Hampshire and Vermont. The company offers a range of deposit products, including checking, savings, and money market accounts, as well as personal and business loans. Additionally, Ledyard provides wealth management services such as investment management, financial planning, and trust administration. The company focuses on serving individuals, small businesses, and non-profit organizations within its local communities, emphasizing personalized service and local market expertise. Ledyard also provides online and mobile banking services to enhance customer convenience.
What are the main risks for LFGP?
Ledyard Financial Group faces several risks inherent to the regional banking industry. Interest rate risk is a significant concern, as fluctuations in interest rates can impact the company's net interest margin and profitability. Credit risk is also present, as the company's loan portfolio is subject to the risk of borrower defaults. Competition from larger regional and national banks poses a threat to Ledyard's market share. Regulatory changes and compliance costs can also impact the company's financial performance. Additionally, the company's smaller size and limited geographic diversification make it more vulnerable to local economic downturns. Liquidity risk in the OTC market can also affect trading and price volatility.
What are the key factors to evaluate for LFGP?
Ledyard Financial Group, Inc. (LFGP) holds an AI score of 51/100 (moderate). Not financial advice.
How frequently does LFGP data refresh on this page?
LFGP prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven LFGP's recent stock price performance?
Ledyard Financial Group, Inc. (LFGP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in New Hampshire and Vermont. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LFGP overvalued or undervalued right now?
Valuing Ledyard Financial Group, Inc. (LFGP) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying LFGP?
Before investing in Ledyard Financial Group, Inc. (LFGP), 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) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding LFGP to a portfolio?
Key strength of Ledyard Financial Group, Inc. (LFGP): Strong local presence in New Hampshire and Vermont. 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.
- Limited analyst coverage for LFGP may affect the accuracy of some assessments.
- OTC market data may have less real-time accuracy compared to major exchanges.