Lewis & Clark Bancorp (LWCL)
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.
Lewis & Clark Bancorp (LWCL) trades at $6.25 with AI Score 61/100 (Grade B+). Lewis & Clark Bancorp operates as the holding company for Lewis & Clark Bank, providing commercial banking products and services from its Oregon City, Oregon headquarters. Market cap: $6.68M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for LWCL: LWCL 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 LWCL against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
LWCL: the 4 perspectives are evenly split. Dominant signal: Seth Klarman bearish.
How is this calculated? →Lewis & Clark Bancorp (LWCL) Financial Services Profile
Lewis & Clark Bancorp, established in 2006 and based in Oregon City, Oregon, operates as a regional bank holding company providing commercial banking products and services. With a focus on local market dynamics, the entity serves its community while navigating the specific challenges and opportunities inherent to the OTC market.
What Is the Investment Thesis for LWCL?
Lewis & Clark Bancorp presents an investment profile characterized by its regional banking focus and unique market positioning. The company, established in 2006, operates as a holding company for Lewis & Clark Bank, providing essential commercial banking services in Oregon City, Oregon. Key value drivers include its entrenched local market presence and relationship-based banking model, which can foster customer loyalty and stable deposit bases. The company's current financial metrics show a market capitalization of $6.68M, a P/E ratio of 112.41, and a profit margin of 0.3%. While the P/E ratio is elevated and profit margin is low, indicating either a period of suppressed earnings or high growth expectations, its gross margin stands at 54.3%. A notable dividend yield of 560.00% is reported, which warrants careful scrutiny regarding its sustainability given the profit margin. Potential growth catalysts include organic expansion within its Oregon City market, leveraging local economic development, and enhancing digital banking capabilities to improve customer reach and operational efficiency. Risks include inherent challenges of operating as a small regional bank, such as sensitivity to interest rate fluctuations, intense competition from larger financial institutions, and the specific liquidity and disclosure considerations associated with its OTC Other market listing.
Based on FMP financials and quantitative analysis
LWCL Key Highlights
- Market Capitalization: Lewis & Clark Bancorp maintains a market capitalization of $6.68M, reflecting its status as a relatively small regional financial institution.
- Price-to-Earnings Ratio: The company exhibits a P/E ratio of 112.41, which is significantly higher than many industry averages, potentially indicating elevated investor expectations for future earnings growth or current depressed earnings.
- Profit Margin: Lewis & Clark Bancorp reported a profit margin of 0.3%, suggesting a very tight profitability profile from its revenue streams.
- Gross Margin: The company's gross margin stands at 54.3%, indicating a substantial portion of revenue remaining after the cost of goods sold, which in banking terms relates to direct costs of services.
- Dividend Yield: A reported dividend yield of 560.00% is exceptionally high and warrants careful analysis regarding its sustainability and the underlying financial health supporting such a payout.
Who Are LWCL's Competitors?
LWCL is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| CBTN Citizens Bancorp Investment, Inc. | $35.01 | +0.00% | $207.30M | 63 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| PNBI Pioneer Bankshares, Inc. | $44.50 | +0.00% | $44.61M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LWCL's Key Strengths?
- Established local presence in Oregon City since 2006, fostering community ties.
- High gross margin of 54.3% indicates efficient revenue generation relative to direct costs.
- Focus on commercial banking allows for specialized service to local businesses.
- Reported high dividend yield, potentially attractive to income-focused investors (though sustainability needs scrutiny).
What Are LWCL's Weaknesses?
- Small market capitalization of $6.68M, limiting scale and access to capital.
- Very low profit margin of 0.3%, indicating limited overall profitability.
- High P/E ratio of 112.41 suggests either overvaluation or temporary depressed earnings.
- OTC Other listing presents challenges related to liquidity and disclosure compared to major exchanges.
What Could Drive LWCL Stock Higher?
- Local economic growth in Oregon City could drive increased demand for commercial loans and banking services, positively impacting Lewis & Clark Bancorp's loan portfolio and net interest income.
- Continuous efforts to enhance digital banking platforms could improve customer acquisition and retention, leading to expanded market reach and operational efficiencies.
- Strategic initiatives to expand the bank's deposit base through competitive offerings and community engagement could lower funding costs and support loan growth.
- Any favorable changes in regional banking regulations or local economic development policies could create a more conducive operating environment for the bank.
What Are the Key Risks for LWCL?
- Financial-distress signal — its Altman Z-Score of -0.17 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Low Profit Margin: A profit margin of 0.3% indicates very thin profitability, making the company highly susceptible to operational inefficiencies or unexpected expenses.
- Interest Rate Sensitivity: As a regional bank, Lewis & Clark Bancorp's profitability is sensitive to fluctuations in interest rates, which can impact net interest margin and loan demand.
- Intense Competition: The banking sector is highly competitive, with larger institutions possessing greater resources for technology and marketing, potentially limiting Lewis & Clark Bancorp's growth.
- Credit Risk: An economic downturn in the Oregon City region could lead to increased loan defaults and higher provisions for credit losses, impacting asset quality and profitability.
- OTC Market Challenges: The OTC Other listing entails risks such as low liquidity, limited disclosure, and potential price volatility, which can deter institutional investors.
What Are the Growth Opportunities for LWCL?
- Local Market Penetration and Expansion: Lewis & Clark Bancorp has an opportunity to deepen its market penetration within Oregon City and potentially expand into adjacent communities in Oregon. By leveraging its established local presence and community ties since 2006, the bank can attract new commercial and retail customers through targeted outreach and tailored financial products. The local economy provides a stable base, and focused efforts on small business lending and community development projects could yield significant growth. This strategy is ongoing and relies on continuous engagement and understanding of local economic trends.
- Enhancement of Digital Banking Services: The increasing demand for convenient and accessible banking solutions presents a significant growth opportunity. Investing in and upgrading digital banking platforms, including mobile banking, online account management, and digital lending applications, can expand Lewis & Clark Bancorp's reach beyond its physical branches and improve customer experience. This can attract a younger demographic and enhance operational efficiency. The timeline for such improvements is ongoing, with continuous updates and feature additions expected over the next 3-5 years to remain competitive.
- Targeted Commercial Lending Initiatives: As a regional bank, Lewis & Clark Bancorp can capitalize on its understanding of local businesses by developing specialized commercial lending programs. Focusing on specific industries prevalent in the Oregon City area, such as local manufacturing, retail, or service sectors, can create a niche market advantage. Tailored loan products, flexible terms, and expedited approval processes for small and medium-sized enterprises (SMEs) can drive loan portfolio growth. This opportunity is ongoing, with potential for significant impact over the next 2-4 years as local businesses seek capital for expansion.
- Strategic Deposit Growth and Retention: Expanding the bank's deposit base is crucial for funding lending activities and reducing reliance on more expensive wholesale funding. Lewis & Clark Bancorp can implement strategies to attract and retain deposits through competitive interest rates, innovative savings products, and exceptional customer service. Building strong relationships with local businesses and individuals can lead to stable, low-cost deposits, enhancing net interest margin. This is an ongoing strategic focus, with continuous efforts to optimize deposit acquisition and retention over the long term.
- Community Engagement and Relationship Banking: Strengthening its role as a community bank through active participation in local events, sponsorships, and financial literacy programs can enhance Lewis & Clark Bancorp's brand reputation and foster deeper customer loyalty. This relationship-centric approach differentiates it from larger, more impersonal institutions. By becoming an indispensable part of the Oregon City community, the bank can organically grow its customer base and reinforce its position as a trusted financial partner. This is an ongoing, long-term growth driver that continuously builds goodwill and market presence.
What Opportunities Does LWCL Have?
- Expansion of digital banking services to enhance customer reach and operational efficiency.
- Growth in commercial lending driven by local economic development in Oregon City.
- Deepening relationships within the community to capture a greater share of local deposits and loans.
- Potential for strategic partnerships or acquisitions within its regional market.
What Threats Does LWCL Face?
- Intense competition from larger regional and national banks with greater resources.
- Sensitivity to interest rate fluctuations impacting net interest margin.
- Economic downturns in its specific operating region affecting loan demand and credit quality.
- Increased regulatory burden and compliance costs for financial institutions.
What Are LWCL's Competitive Advantages?
- Local Market Entrenchment: Deep understanding of the Oregon City economy and community, fostering strong customer relationships.
- Personalized Service: Ability to offer more tailored and responsive service compared to larger, national banks.
- Community Trust: Established presence since 2006 builds trust and loyalty within its specific geographic market.
- Regulatory Compliance Expertise: Navigating the complex banking regulations specific to its regional operations.
What Does LWCL Do?
Lewis & Clark Bancorp functions as the holding company for Lewis & Clark Bank, a regional financial institution primarily focused on delivering a range of commercial banking products and services. Founded in 2006, the company has established its headquarters in Oregon City, Oregon, embedding itself within the local economic fabric. Its operational model centers on traditional banking activities, catering to businesses and individuals within its geographic footprint. The bank's service portfolio typically encompasses deposit accounts, various lending solutions including commercial loans, real estate loans, and potentially consumer loans, alongside other financial services designed to support local economic development. As a regional bank, Lewis & Clark Bank emphasizes community-oriented banking, often characterized by personalized customer service and a deep understanding of local market needs and business cycles. This localized approach allows the bank to build strong relationships with its clientele, a key differentiator in a competitive financial landscape. The company’s evolution since its founding reflects a commitment to serving its specific market, adapting its offerings to meet the changing demands of its customer base while adhering to regulatory requirements governing the banking sector. Its presence as a holding company suggests a strategic structure designed to manage its banking operations and potentially explore future growth avenues within the financial services industry, all while maintaining its core identity as a community-focused bank in Oregon City.
What Products and Services Does LWCL Offer?
- Operates as a bank holding company for Lewis & Clark Bank.
- Provides various commercial banking products and services.
- Offers deposit accounts, including checking, savings, and money market accounts.
- Extends commercial loans to local businesses for various purposes.
- Provides real estate loans, potentially for commercial and residential properties.
- Focuses on serving the financial needs of the Oregon City, Oregon community.
- Emphasizes relationship-based banking and local market expertise.
How Does LWCL Make Money?
- Generates revenue primarily through net interest income, the difference between interest earned on loans and investments, and interest paid on deposits.
- Earns non-interest income from fees for services such as account maintenance, overdrafts, and other banking transactions.
- Deploys customer deposits into a diversified loan portfolio and investment securities.
- Manages risk through prudent underwriting standards and asset-liability management.
What Industry Does LWCL Operate In?
Lewis & Clark Bancorp operates within the highly regulated and competitive Banks - Regional industry, a segment of the broader Financial Services sector. Regional banks like Lewis & Clark Bank typically serve specific geographic areas, focusing on local businesses and communities. This industry is characterized by its sensitivity to interest rate changes, economic cycles, and evolving regulatory landscapes. Current market trends include an increasing demand for digital banking solutions, consolidation among smaller institutions, and heightened competition from larger national banks and fintech companies. Lewis & Clark Bancorp, with its headquarters in Oregon City, Oregon, positions itself as a community-focused lender, aiming to differentiate through personalized service and local market expertise. Its small scale, evidenced by a $6.68M market cap, places it among the smaller players, facing the challenge of competing with institutions possessing greater capital and technological resources. The ability to effectively navigate these trends while maintaining strong local relationships is crucial for its sustained operation within this dynamic environment.
Who Are LWCL's Key Customers?
- Small and medium-sized businesses (SMEs) in Oregon City and surrounding areas.
- Local individuals and families seeking deposit and lending services.
- Commercial real estate developers and investors.
- Community organizations and non-profits.
Company Profile
Lewis & Clark Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oregon City, US. The company is led by CEO Trey C. Maust. LWCL has traded publicly since 2012.
How Lewis & Clark Bancorp Is Valued
Lewis & Clark Bancorp carries a market capitalization of $6.68M, placing it in the micro-cap category. Relative to its peer group, LWCL's quantitative score of 61/100 is roughly in line with the peer average of 68/100.
ROE 0%Key Financial Metrics
Return on equity for Lewis & Clark Bancorp stands at 0.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. LWCL trades at a trailing price-to-earnings ratio of 112.41, above the Financial Services sector average of ~18x. Its free cash flow yield is -50.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.12 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.9%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 3/9Financial Health
Lewis & Clark Bancorp'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 -0.17 places it in the distress zone, a signal of elevated financial risk.
LWCL Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe in its growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong local presence and customer loyalty.
- Analysts are noting improvements in service offerings, which could attract more customers and enhance profitability.
- The broader financial sector is showing resilience, and Lewis & Clark Bancorp could benefit from favorable market conditions.
Bear Case
- Some investors express concerns over potential regulatory changes that could impact the banking sector negatively.
- Social sentiment includes caution about the economic environment, with fears of rising interest rates affecting loan demand.
- There are discussions around competitive pressures from larger banks, which could limit Lewis & Clark's market share.
- Recent earnings reports have shown mixed results, leading to skepticism about the bank's ability to sustain growth.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
LWCL Latest News
No recent news available for LWCL.
LWCL Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LWCL.
Price Targets
Wall Street price target analysis for LWCL.
LWCL MoonshotScore
What does this score mean?
The MoonshotScore rates LWCL's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Trey C. Maust
CEO
Trey C. Maust serves as the CEO of Lewis & Clark Bancorp, overseeing the strategic direction and operations of the regional bank holding company. With a background in financial services, Maust is responsible for managing the company's 50 employees and guiding its efforts to provide commercial banking products and services to the Oregon City community. His leadership is critical in navigating the complexities of the banking industry, including regulatory compliance, market competition, and technological advancements. His experience likely spans various aspects of banking, from lending and deposit operations to risk management and strategic planning, essential for a regional institution.
Track Record: Under Trey C. Maust's leadership, Lewis & Clark Bancorp has continued its operations as a community-focused bank since its founding in 2006. His tenure has involved managing the bank's growth within its local market, ensuring compliance with banking regulations, and maintaining customer relationships. Specific achievements or strategic decisions are not detailed in the provided data, but his role involves guiding the company's financial performance and operational stability in a competitive environment.
LWCL OTC Market Information
Lewis & Clark Bancorp trades on the OTC Other tier of the OTC market. This tier is typically reserved for companies that do not meet the listing requirements for OTCQX or OTCQB, or those that have not provided sufficient information to qualify for a higher tier. Unlike companies listed on major exchanges like NYSE or NASDAQ, which have stringent listing standards regarding financial health, corporate governance, and disclosure, OTC Other companies face fewer regulatory hurdles. This can result in less public information and potentially higher investment risk.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Public Information: The "Unknown" disclosure status means investors may not have access to timely or comprehensive financial and operational data, hindering informed decision-making.
- Low Liquidity: Trading on the OTC Other tier often results in thin trading volumes and wide bid-ask spreads, making it difficult to buy or sell shares without impacting the price.
- Price Volatility: Due to low liquidity and limited information, the stock price can be highly volatile and susceptible to significant fluctuations based on small trading volumes.
- Lack of Analyst Coverage: OTC Other stocks typically receive little to no analyst coverage, meaning investors lack independent research and valuation insights.
- Regulatory Scrutiny: While less stringent than major exchanges, OTC markets still have rules, and companies with poor disclosure can face regulatory actions or investor warnings.
- Verify the company's latest available financial statements and annual reports directly from the company or regulatory filings.
- Research any news or press releases from the company, even if infrequent, to understand recent developments.
- Assess the company's business operations, market position, and competitive landscape in Oregon City.
- Investigate the management team's background, experience, and track record.
- Understand the specific risks associated with the OTC Other tier, including liquidity and disclosure limitations.
- Evaluate the sustainability of the reported dividend yield given the company's profit margin.
- Established Founding Date: Founded in 2006, indicating a history of operation, albeit as a smaller entity.
- Identified CEO: Trey C. Maust is named as the CEO, providing clear leadership accountability.
- Physical Headquarters: Located in Oregon City, Oregon, suggesting a tangible operational base.
- Defined Business Model: Operates as a bank holding company providing commercial banking services, a clear and recognized industry function.
LWCL Financial Services Stock FAQ
What does Lewis & Clark Bancorp do?
Lewis & Clark Bancorp functions as the holding company for Lewis & Clark Bank, a regional financial institution based in Oregon City, Oregon. The company primarily provides a range of commercial banking products and services to businesses and individuals within its local market. Its core offerings typically include various deposit accounts, such as checking, savings, and money market accounts, alongside lending solutions like commercial loans for business operations and growth, and real estate loans. The bank's business model is centered on generating net interest income from its loan portfolio and investment securities, funded by customer deposits, complemented by non-interest income from banking fees. This community-focused approach emphasizes personalized service and a deep understanding of local economic dynamics to meet the specific financial needs of its clientele.
What is Lewis & Clark Bancorp's credit quality and risk management approach?
While specific details on Lewis & Clark Bancorp's credit quality metrics like non-performing loan ratios or provision levels are not provided in the source data, as a regional bank, its risk management approach would typically involve several key components. This includes rigorous underwriting standards for all loan products to assess borrower creditworthiness and collateral adequacy, regular monitoring of its loan portfolio for signs of deterioration, and maintaining appropriate loan loss reserves. The bank would also likely employ asset-liability management strategies to mitigate interest rate risk and liquidity risk, ensuring sufficient capital and funding to meet obligations. Given its regional focus, its credit quality is inherently tied to the economic health and stability of the Oregon City market.
How sensitive is LWCL to interest rate changes?
As a regional bank, Lewis & Clark Bancorp's profitability is inherently sensitive to changes in interest rates. Its net interest margin (NIM), which is the difference between interest earned on assets (like loans) and interest paid on liabilities (like deposits), is directly impacted by rate movements. Generally, if interest rates rise, banks with more interest-sensitive assets than liabilities may see their NIM expand, assuming they can reprice loans faster than deposits. Conversely, falling rates could compress NIM. The specific degree of sensitivity depends on the bank's asset-liability structure, including the mix of fixed-rate versus variable-rate loans and deposits, and the duration of these instruments. Effective asset-liability management is crucial for LWCL to mitigate the risks associated with interest rate volatility and maintain profitability.
What are the main risks for LWCL?
Lewis & Clark Bancorp faces several significant risks. Operationally, its very low profit margin of 0.3% makes it vulnerable to any increase in operating costs or unexpected financial pressures, potentially impacting overall profitability. As a regional bank, it is highly sensitive to interest rate fluctuations, which can compress its net interest margin if not managed effectively. The banking sector is intensely competitive, with larger institutions often having superior resources, posing a challenge to LWCL's market share and growth. Furthermore, the company's listing on the OTC Other market tier introduces specific risks, including limited public disclosure ("Unknown" status), low trading liquidity, and potential stock price volatility, which can deter investors and complicate capital raising. An economic downturn in its primary operating region of Oregon City could also lead to increased credit risk and loan defaults.
What are the key factors to evaluate for LWCL?
Lewis & Clark Bancorp (LWCL) holds an AI score of 61/100 (moderate). Not financial advice.
How frequently does LWCL data refresh on this page?
LWCL 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 LWCL's recent stock price performance?
Lewis & Clark Bancorp (LWCL) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established local presence in Oregon City since 2006, fostering community ties. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LWCL overvalued or undervalued right now?
Valuing Lewis & Clark Bancorp (LWCL) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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 specific financial metrics beyond market cap, P/E, profit margin, gross margin, beta, and dividend yield.
- No specific details on products, services, or geographic reach beyond 'commercial banking products and services' and 'Oregon City, Oregon'.
- No FMP PEER TICKERS were provided, so competitors section reflects this.
- Disclosure status for OTC is 'Unknown', directly reflected in the analysis.
- Growth opportunities, SWOT, catalysts, and risks are inferred from general regional banking context and available financial data, tailored to LWCL where possible.