Lyons Bancorp Inc. (LYBC)
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.
Lyons Bancorp Inc. (LYBC) trades at $53.77 with AI Score 49/100 (Grade C). Lyons Bancorp Inc. is a financial holding company offering comprehensive commercial and retail banking services across seven New York counties. Market cap: $182.90M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for LYBC: LYBC 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 LYBC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
LYBC: the 1 perspectives are evenly split.
How is this calculated? →Lyons Bancorp Inc. (LYBC) Financial Services Profile
Lyons Bancorp Inc. is a regional financial holding company established in 1852, providing diverse commercial and retail banking services, including deposit accounts, various loan products, and financial advisory, across seven New York counties through 16 branches and digital channels, serving individuals and small businesses.
What Is the Investment Thesis for LYBC?
Lyons Bancorp Inc. presents a profile characterized by its long-standing regional presence and diversified financial service offerings. With a market capitalization of $182.90M, the company demonstrates solid profitability, evidenced by a profit margin of 28.8% and an impressive gross margin of 96.5%. A dividend yield of 3.52% provides income to shareholders, while a low beta of -0.12 suggests relatively stable performance compared to broader market movements. Key value drivers include its established branch network across seven New York counties and a comprehensive suite of banking, lending, and financial advisory services. Growth catalysts are anticipated through the continued expansion and adoption of its digital banking platforms, enhancing customer reach and operational efficiency. Strategic focus on specific loan segments, such as agricultural and commercial real estate, leveraging local market expertise, could drive further lending growth. Additionally, the expansion of fee-based financial services, including wealth management and insurance, offers opportunities for revenue diversification. Potential risks include regional economic fluctuations affecting loan quality, intense competition from larger financial institutions, and sensitivity to interest rate changes impacting net interest margins.
Based on FMP financials and quantitative analysis
LYBC Key Highlights
- Market Capitalization of $182.90M, reflecting its size as a regional financial institution.
- Profit Margin of 28.8%, indicating strong profitability from its banking and financial services operations.
- Gross Margin of 96.5%, demonstrating efficiency in its core revenue generation activities.
- Dividend Yield of 3.52%, providing income to shareholders.
- Operates 16 branches across seven New York counties, underscoring its established regional presence and customer access points.
Who Are LYBC's Competitors?
LYBC 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 LYBC's Key Strengths?
- Long operating history since 1852, fostering strong community trust and brand recognition.
- Established regional presence with 16 branches across seven New York counties.
- Diverse product offerings spanning traditional banking, various loans, and financial advisory services.
- Strong profitability metrics with a 28.8% profit margin and 96.5% gross margin.
What Are LYBC's Weaknesses?
- Limited geographic scope, concentrating risk within specific New York counties.
- Relatively small market capitalization ($0.17B) compared to larger regional or national banks.
- Potential for limited liquidity and transparency due to trading on the OTC market.
- Dependence on regional economic conditions for loan demand and asset quality.
What Could Drive LYBC Stock Higher?
- Potential for increased loan demand as regional economic conditions improve across its seven New York service areas, driving asset growth.
- Continued adoption and expansion of its online and mobile banking platforms, enhancing customer reach, convenience, and operational efficiency.
- Strategic initiatives to grow its fee-based financial services, such as wealth management and insurance, diversifying revenue streams beyond traditional interest income.
- Favorable shifts in the broader interest rate environment that could improve net interest margin and overall profitability.
What Are the Key Risks for LYBC?
- Financial-distress signal — its Altman Z-Score of 0.25 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturns or localized industry-specific challenges within its specific New York operating counties could impact loan quality and deposit growth.
- Intense competition from larger, well-capitalized banks and agile financial technology (fintech) companies for both deposits and loan customers.
- Sensitivity to interest rate fluctuations, which can affect profitability by narrowing net interest margins if not managed effectively.
- Regulatory changes and increased compliance costs within the financial services sector, potentially impacting operational expenses and strategic flexibility.
- Risks associated with operating on the OTC market, including lower liquidity, wider bid-ask spreads, and less transparency compared to exchange-listed securities.
What Are the Growth Opportunities for LYBC?
- **Digital Banking Expansion**: Enhancing and promoting its online and mobile banking platforms represents a significant growth opportunity. By offering advanced digital features, Lyons Bancorp can attract a younger, tech-savvy demographic and provide greater convenience to its existing customer base, potentially expanding its reach beyond physical branches within its service area. The broader digital banking market continues to grow, driven by consumer preference for remote access to financial services, allowing the bank to improve operational efficiency and customer engagement without requiring extensive physical expansion.
- **Targeted Loan Portfolio Growth**: Lyons Bancorp can leverage its local market expertise to strategically grow specific loan segments within its New York counties. Focusing on niches such as agricultural real estate, commercial real estate, or small business lending allows the company to identify underserved markets and build stronger, more specialized relationships with local businesses and farmers. This targeted approach can lead to higher quality loan origination and stronger community ties, differentiating it from larger, less localized competitors.
- **Wealth Management and Advisory Services**: Expanding its financial services offerings, which already include retirement strategy, investment management, and various insurance products, presents a robust opportunity for fee-based income growth. By deepening relationships with existing clients and attracting new ones through comprehensive wealth management solutions, Lyons Bancorp can capture a larger share of clients' overall financial needs, diversifying its revenue streams beyond traditional interest-based lending and deposits.
- **Branch Network Optimization and Strategic Expansion**: While digital is key, the physical presence of 16 branches across seven counties remains a strength. Lyons Bancorp can strategically evaluate its existing network for optimization, ensuring each location maximizes customer experience and operational efficiency. Additionally, carefully planned, modest expansion into adjacent, growing communities within its existing footprint, or even opening specialized lending centers, could capture new market share and reinforce its community banking model.
- **Small Business Lending Initiatives**: Developing specialized programs and outreach specifically tailored for small businesses in its service areas offers a significant growth avenue. By providing customized commercial and agricultural loans, alongside integrated cash management and merchant services, Lyons Bancorp can become an indispensable partner for local enterprises. This focus not only drives loan growth but also strengthens community economic development, fostering loyalty and deepening the bank's local market penetration.
What Opportunities Does LYBC Have?
- Expansion and enhancement of digital banking services to reach a broader customer base and improve efficiency.
- Increased demand for specialized agricultural or commercial real estate loans within its operating region.
- Growth in fee-based income through expanded wealth management and financial advisory services.
- Potential for strategic acquisitions of smaller community banks within its existing or adjacent markets.
What Threats Does LYBC Face?
- Intense competition from larger national banks, other regional banks, and emerging financial technology (fintech) companies.
- Fluctuating interest rate environment impacting net interest margin and overall profitability.
- Increasing regulatory changes and compliance costs within the financial services sector.
- Economic downturns or localized industry-specific challenges affecting loan quality and customer deposits.
What Are LYBC's Competitive Advantages?
- Deep-rooted community presence and trust established since its founding in 1852, fostering strong local relationships.
- Extensive physical branch network of 16 locations across seven specific New York counties, providing convenient local access and personalized service.
- Comprehensive suite of banking, lending, and financial advisory services under one roof, catering to diverse customer needs.
- Specialized local market expertise, particularly in agricultural and commercial real estate lending within its operating region.
What Does LYBC Do?
Lyons Bancorp Inc., founded in Lyons, New York in 1852, has evolved into a financial holding company dedicated to providing a comprehensive suite of commercial and retail banking services. With a deep-rooted history spanning over 170 years, the company serves individual and small business customers across seven New York counties: Wayne, Onondaga, Yates, Ontario, Monroe, Seneca, and Cayuga. Its operational footprint includes 16 physical branches, complemented by robust online and mobile banking capabilities. The company's core offerings include a variety of deposit products such as checking accounts, savings accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). Lyons Bancorp Inc. is also a significant provider of diverse loan types, catering to various customer needs. Its loan portfolio encompasses commercial real estate loans, agricultural real estate loans, general commercial and agricultural loans, and consumer installment loans. Residential real estate offerings include 1-4 family home loans and home equity loans. For individual consumers, the company provides a range of personal loans, including recreational, auto, personal, personal line of credit, and home improvement loans. Beyond traditional banking and lending, Lyons Bancorp Inc. extends its services to financial planning and advisory. This includes retirement strategy, investment management, education savings, life insurance, long-term care insurance, and comprehensive employer and employee benefit services. The company also facilitates essential banking functions such as mortgage services, telephone banking, credit and debit card services, online cash management, merchant services, safe deposit boxes, wire transfers, a traveler program, online bill pay, e-statements, money orders, and official checks. This broad spectrum of services positions Lyons Bancorp Inc. as a versatile financial partner within its regional market, aiming to meet the diverse financial requirements of its community.
What Products and Services Does LYBC Offer?
- Provide commercial and retail banking services to individuals and small businesses.
- Offer a range of deposit products including checking, savings, IRAs, and CDs.
- Extend various loan types: commercial real estate, agricultural, residential, and consumer loans.
- Deliver financial advisory services such as retirement strategy and investment management.
- Provide insurance products, including life and long-term care insurance.
- Offer employer and employee benefit services.
- Facilitate mortgage services, online and mobile banking, and telephone banking.
- Manage credit and debit cards, online cash management, merchant services, and wire transfers.
How Does LYBC Make Money?
- Generates interest income primarily from a diverse loan portfolio, including commercial, agricultural, residential, and consumer loans.
- Attracts deposits (checking, savings, CDs, IRAs) from individuals and businesses, which are used to fund lending activities.
- Earns non-interest income through financial services, wealth management, and various banking fees (e.g., service charges, merchant services).
- Leverages a regional network of 16 physical branches and digital banking platforms to acquire and serve customers, ensuring local presence and accessibility.
- Manages a spread between interest earned on assets (loans) and interest paid on liabilities (deposits) to drive profitability.
What Industry Does LYBC Operate In?
Lyons Bancorp Inc. operates within the 'Banks - Regional' industry, a segment characterized by its focus on local communities and small to medium-sized businesses. This industry is currently navigating several key trends, including the ongoing digital transformation of banking services, evolving interest rate environments, and increasing regulatory scrutiny. Regional banks like Lyons Bancorp often compete with larger national banks, credit unions, and increasingly, fintech companies for deposits and loan opportunities. Lyons Bancorp distinguishes itself through its deep-rooted history since 1852 and its established physical presence with 16 branches across seven New York counties. Its comprehensive offerings, spanning traditional banking, diverse lending, and financial advisory services, position it as a community-centric financial partner, leveraging local market knowledge to serve its specific customer base amidst broader industry shifts.
Who Are LYBC's Key Customers?
- Individual consumers requiring personal banking, savings, and various consumer loan products.
- Small businesses seeking commercial loans, cash management solutions, and merchant services.
- Agricultural businesses needing specialized real estate and operating loans.
- Individuals and businesses looking for wealth management, retirement planning, and insurance advisory services.
Lyons Bancorp Inc. (LYBC) Valuation Context
Valued at $182.90M, LYBC is classified as a micro-cap stock. Relative to its peer group, LYBC's quantitative score of 49/100 is below the peer average of 68/100.
ROE 18%Key Financial Metrics
Return on equity for Lyons Bancorp Inc. stands at 17.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. LYBC trades at a trailing price-to-earnings ratio of 8.27, 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. Its earnings yield is 12.1%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 3/9Financial Health
Lyons Bancorp 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 0.25 places it in the distress zone, a signal of elevated financial risk.
LYBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Lyons Bancorp has seen consistent insider buying lately, suggesting those closest to the company see long-term value.
- The community sentiment appears optimistic, with many believing LYBC is undervalued compared to its peers.
- Recent market developments suggest a favorable environment for regional banks, potentially benefiting LYBC.
- There's a growing perception that LYBC is well-managed and positioned for steady growth in its local market.
Bear Case
- Insider buying, while positive, could be strategic and not necessarily indicative of explosive growth potential.
- Community sentiment can be swayed by short-term trends and may not reflect long-term fundamentals.
- The regional banking sector faces increasing regulatory scrutiny, which could impact LYBC's profitability.
- Market perception can shift quickly, and negative news or economic downturn could easily turn sentiment against LYBC.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
LYBC Latest News
No recent news available for LYBC.
LYBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LYBC.
Price Targets
Wall Street price target analysis for LYBC.
LYBC MoonshotScore
What does this score mean?
The MoonshotScore rates LYBC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Clair J. Britt Jr.
Chief Executive Officer
Specific details regarding Clair J. Britt Jr.'s career history, educational background, and prior executive roles are not provided in the source data. He is noted for managing 242 employees at Lyons Bancorp Inc., indicating a leadership position within the organization.
Track Record: Specific achievements, strategic decisions, or company milestones directly attributable to Clair J. Britt Jr.'s leadership are not detailed in the provided information.
LYBC OTC Market Information
Lyons Bancorp Inc. trades on the OTC Other tier of the OTC Markets. This tier is typically for companies that do not meet the disclosure requirements for OTCQX or OTCQB, representing the lowest public tier. Companies in this tier may not provide current or publicly available information, leading to less transparency for investors compared to those listed on major exchanges like NYSE or NASDAQ, or even higher OTC tiers. This classification often implies a higher level of risk due to limited public disclosure and oversight.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited public disclosure and financial transparency compared to exchange-listed companies.
- Lower liquidity and wider bid-ask spreads, making it difficult to execute trades efficiently.
- Increased susceptibility to market manipulation due to less regulatory oversight and fewer active participants.
- Difficulty in obtaining reliable valuation data and limited analyst coverage.
- Potential for greater price volatility due to a smaller, less regulated market.
- Verify current financial statements and annual reports directly from the company or any available regulatory filings.
- Assess the company's business operations, management team, and competitive landscape independently.
- Research any news, press releases, or corporate actions not widely publicized through standard financial news channels.
- Understand the specific risks associated with the OTC Other tier and the implications of limited disclosure.
- Evaluate the company's long-term viability and growth prospects based on available fundamental data.
- Check for any legal or regulatory actions against the company or its management.
- Consult with a financial advisor experienced in navigating the complexities of OTC markets.
- Long operating history since 1852, indicating an established and enduring business.
- Operates 16 physical branches across seven counties in New York, demonstrating tangible assets and community presence.
- Provides a comprehensive range of traditional banking and financial services, typical of a regulated financial institution.
- Has a known CEO, Clair J. Britt Jr., who manages 242 employees, suggesting a structured corporate entity.
LYBC Financial Services Stock FAQ
What does Lyons Bancorp Inc. do?
Lyons Bancorp Inc. functions as a financial holding company, delivering a broad spectrum of commercial and retail banking services to individuals and small businesses across seven counties in New York. Its offerings encompass various deposit products, including checking, savings, IRAs, and certificates of deposit. The company is also a significant lender, providing commercial real estate, agricultural real estate, commercial and agricultural, consumer installment, and residential real estate loans. Beyond traditional banking, Lyons Bancorp Inc. extends financial services such as retirement strategy, investment management, education savings, and various insurance products, supported by a network of 16 branches and robust digital banking platforms.
What is Lyons Bancorp Inc.'s credit quality and risk management approach?
Lyons Bancorp Inc.'s approach to credit quality and risk management is crucial given its regional banking model. While specific details on its loan portfolio quality, provision levels, or detailed risk management frameworks are not provided in the source data, a regional bank typically focuses on understanding local economic conditions and borrower profiles. Effective risk management would involve rigorous underwriting standards for its diverse loan portfolio, including commercial, agricultural, and residential loans. The company would likely employ strategies to monitor credit concentrations, manage interest rate risk, and ensure compliance with regulatory capital requirements to maintain asset quality and financial stability within its specific operating counties in New York.
What regulatory challenges does Lyons Bancorp Inc. face?
As a financial holding company operating in the 'Banks - Regional' industry, Lyons Bancorp Inc. faces a complex and evolving regulatory landscape. Key challenges typically include adhering to capital adequacy requirements set by federal and state banking authorities, ensuring compliance with consumer protection laws, and navigating anti-money laundering (AML) and Bank Secrecy Act (BSA) regulations. The costs associated with compliance, technology upgrades for regulatory reporting, and potential fines for non-compliance can significantly impact profitability. Furthermore, changes in interest rate policies by the Federal Reserve and other monetary authorities directly influence the bank's net interest margin and overall financial performance, requiring constant adaptation and strategic planning.
What are the main risks for LYBC?
Lyons Bancorp Inc. faces several key risks inherent to its regional banking model. Economic downturns within its specific New York operating counties could lead to increased loan defaults, reduced loan demand, and lower deposit growth, directly impacting profitability. The company also navigates an intensely competitive landscape, contending with larger national banks, other regional institutions, and emerging fintech companies for both deposits and lending opportunities. Fluctuations in interest rates pose a continuous risk, as unfavorable shifts can compress net interest margins, affecting the bank's primary source of income. Additionally, as an OTC-traded stock, LYBC may experience lower liquidity and less transparency compared to exchange-listed companies, which can affect share price stability and investor confidence.
What are the key factors to evaluate for LYBC?
Lyons Bancorp Inc. (LYBC) holds an AI score of 49/100 (low). Not financial advice.
How frequently does LYBC data refresh on this page?
LYBC 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 LYBC's recent stock price performance?
Lyons Bancorp Inc. (LYBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long operating history since 1852, fostering strong community trust and brand recognition. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LYBC overvalued or undervalued right now?
Valuing Lyons Bancorp Inc. (LYBC) 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.
- All information is derived exclusively from the provided source data.
- Specific details for CEO background, track record, and tenure were not available in the source and are marked as 'Unknown' or 'null'.
- No FMP PEER TICKERS were provided, so the 'competitors' array is empty.
- The 'disclosureLevel' for OTC analysis is marked 'Unknown' as per source data.