Lincoln Park Bancorp (LPBC) 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.
Lincoln Park Bancorp (LPBC) trades at $10.10 with AI Score 55/100 (Grade B). Lincoln Park Bancorp operates as the holding company for Lincoln 1st Bank, providing a range of banking products and services. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for LPBC: LPBC 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 LPBC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
LPBC: 1/3 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.
Lincoln Park Bancorp (LPBC) Financial Services Profile
Lincoln Park Bancorp, through Lincoln 1st Bank, offers traditional banking services to individuals and small businesses in New Jersey. Operating with a community-focused approach, the bank provides deposit accounts, loans, and other financial services, navigating a competitive regional banking landscape with a negative profit margin.
What Is the Investment Thesis for LPBC?
Lincoln Park Bancorp presents a challenging investment case, marked by a negative P/E ratio of -539.58 and a negative profit margin of -1.0%. The company's beta of 0.67 suggests lower volatility compared to the market. While the bank offers a comprehensive range of traditional banking services, its lack of dividend yield may deter income-seeking investors. Growth catalysts would likely depend on expanding its loan portfolio and deposit base within its New Jersey market. Investors should carefully weigh the financial metrics and competitive landscape before considering an investment in LPBC.
Based on FMP financials and quantitative analysis
LPBC Key Highlights
P/E Ratio: -539.58 indicates the company is currently not profitable.
- Profit Margin: -1.0% reflects challenges in maintaining profitability.
- Gross Margin: 100.0% suggests efficient management of direct costs related to revenue generation.
- Beta: 0.67 indicates lower volatility compared to the overall market.
- Dividend Yield: 0.0% indicates the company does not currently distribute dividends.
Who Are LPBC's Competitors?
LPBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AMSA American Seniors Association Holding Group, Inc. | $0.20 | +0.00% | $10.5M | 46 |
| CCFC CCSB Financial Corp. | $12.15 | +0.00% | $8.73M | 45 |
| FPBC First Pacific Bancorp | $8.30 | +0.00% | $16.1M | 49 |
| IDFB Peak Bancorp Inc. | $12.00 | -0.08% | $9.51M | 49 |
| 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 LPBC's Key Strengths?
Long-standing history in the community (founded in 1923).
- Two branch locations providing local presence.
- Comprehensive suite of banking products and services.
- Subsidiary of Lincoln Park Bancorp, MHC.
What Are LPBC's Weaknesses?
Negative P/E ratio and profit margin.
- Limited geographic reach (only two branches).
- Lack of dividend yield.
- Smaller scale compared to larger regional and national banks.
What Could Drive LPBC Stock Higher?
Potential expansion of digital banking services to attract new customers.
- Focus on community engagement to strengthen local relationships.
- Strategic partnerships with fintech companies to enhance service offerings.
- Efforts to improve operational efficiency and profitability.
- Acquisition of smaller community banks or credit unions to expand market presence.
What Are the Key Risks for LPBC?
Negative return on equity (-0.3%) — the business is not currently generating profit on shareholder capital.
- Negative P/E ratio and profit margin indicate financial challenges.
- Intense competition from larger banks and credit unions.
- Rising interest rates impacting loan profitability.
- Economic downturn affecting loan demand and credit quality.
- Limited geographic reach with only two branch locations.
What Are the Growth Opportunities for LPBC?
- Expansion of Digital Banking Services: Lincoln Park Bancorp can enhance its digital banking platform to attract and retain customers. This includes improving mobile banking apps, online account management, and digital loan applications. The market for digital banking is growing rapidly, with projections estimating a global market size of $9.5 trillion by 2026. By investing in user-friendly digital solutions, LPBC can expand its reach beyond its physical branch locations and compete more effectively with larger banks and fintech companies. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can provide Lincoln Park Bancorp with access to innovative technologies and new customer segments. Partnerships could focus on areas such as online lending, payment processing, and financial planning. By partnering with fintech firms, LPBC can enhance its service offerings and improve its competitive position. Timeline: 1-2 years.
- Targeted Marketing Campaigns for Small Businesses: Lincoln Park Bancorp can launch targeted marketing campaigns to attract small business customers in its local market. This includes offering specialized loan products, business checking accounts, and cash management services. Small businesses are a key driver of economic growth, and there is a strong demand for banking services tailored to their needs. By focusing on this segment, LPBC can increase its loan volume and deposit base. Timeline: Ongoing.
- Community Engagement and Local Partnerships: Strengthening its ties with the local community can enhance Lincoln Park Bancorp's brand reputation and customer loyalty. This includes sponsoring local events, supporting community organizations, and offering financial literacy programs. Community banks play a vital role in supporting local economies, and by actively engaging with the community, LPBC can build stronger relationships with its customers. Timeline: Ongoing.
- Acquisition of Smaller Community Banks or Credit Unions: Lincoln Park Bancorp could explore opportunities to acquire smaller community banks or credit unions in its region to expand its market presence and customer base. The banking industry is consolidating, and acquisitions can be an effective way to achieve growth. By acquiring complementary businesses, LPBC can increase its scale and improve its operating efficiency. Timeline: 2-3 years.
What Are LPBC's Competitive Advantages?
- Established presence in local New Jersey communities.
- Long-standing customer relationships built over decades.
- Personalized service and community focus.
- Local market knowledge and expertise.
What Does LPBC Do?
Founded in 1923 and headquartered in Pine Brook, New Jersey, Lincoln Park Bancorp operates as the holding company for Lincoln 1st Bank. The bank provides a comprehensive suite of banking products and services tailored to individuals and small businesses. These offerings include a variety of checking and savings accounts, such as passbook savings accounts, individual retirement accounts, statement savings accounts, money market deposit accounts, holiday and vacation club accounts, student saver accounts, interest-bearing NOW checking accounts, New Jersey consumer checking accounts, small business checking accounts, and certificates of deposit. In addition to deposit accounts, Lincoln 1st Bank offers a range of loan products, including mortgage loans, home equity loans, home equity lines of credit, personal auto loans, passbook loans, overdraft credit reserve accounts, residential construction loans, commercial mortgage loans, small business lines of credit, small business term loans, and small business short-term notes. The bank also provides services such as direct deposits, safe deposit boxes, notary services, medallion signature guaranty, wire transfers, night deposits, ATM cards, credit and debit cards, and money orders. Lincoln Park Bancorp operates through two branch locations in Lincoln Park and Montville, New Jersey, focusing on serving its local community. The company operates as a subsidiary of Lincoln Park Bancorp, MHC.
What Products and Services Does LPBC Offer?
- Offers checking and savings accounts to individuals and businesses.
- Provides mortgage loans for residential and commercial properties.
- Extends home equity loans and lines of credit.
- Offers personal auto loans and other consumer loans.
- Provides small business loans and lines of credit.
- Offers services such as direct deposits, safe deposit boxes, and wire transfers.
- Issues ATM, credit, and debit cards.
How Does LPBC Make Money?
- Generates revenue from interest income on loans.
- Earns fees from services such as wire transfers and safe deposit boxes.
- Manages deposit accounts for individuals and businesses.
- Invests in securities to generate additional income.
What Industry Does LPBC Operate In?
Lincoln Park Bancorp operates within the regional banking sector, characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with fintech companies challenging traditional banking models. Regional banks like Lincoln Park Bancorp face the challenge of balancing traditional branch services with the need to invest in technology and digital offerings. The competitive landscape includes larger national banks and smaller community banks, all vying for market share in deposit accounts and loan services.
Who Are LPBC's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Homeowners looking for mortgage financing.
- Consumers needing auto loans and other credit products.
Key Financial Metrics
Return on equity for Lincoln Park Bancorp stands at -0.3%, 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. A current ratio of 4.77 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is -0.2%, the inverse of the P/E and a quick read on earnings relative to price.
Lincoln Park Bancorp (LPBC) Valuation Context
Relative to its peer group, LPBC's quantitative score of 55/100 is roughly in line with the peer average of 57/100.
Company Profile
Lincoln Park Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Pine Brook, US. The company is led by CEO Philip B. Vaz. LPBC has traded publicly since 2005.
LPBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Long-standing history in the community (founded in 1923).
- Two branch locations providing local presence.
- Comprehensive suite of banking products and services.
- Subsidiary of Lincoln Park Bancorp, MHC.
Bear Case
- Negative P/E ratio and profit margin.
- Limited geographic reach (only two branches).
- Lack of dividend yield.
- Smaller scale compared to larger regional and national banks.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
LPBC Latest News
No recent news available for LPBC.
LPBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LPBC.
Price Targets
Wall Street price target analysis for LPBC.
LPBC MoonshotScore
What does this score mean?
The MoonshotScore rates LPBC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Philip B. Vaz
CEO
Philip B. Vaz serves as the CEO of Lincoln Park Bancorp. Information regarding his detailed career history, educational background, and previous roles is not available in the provided data. Further research would be required to provide a comprehensive overview of his professional background and credentials.
Track Record: Due to the limited information available, a detailed assessment of Philip B. Vaz's track record and key achievements as CEO cannot be accurately provided. Additional data is needed to evaluate his strategic decisions and the company's milestones under his leadership.
LPBC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Lincoln Park Bancorp may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and performance. Investing in OTC Other stocks carries higher risks due to the potential for less transparency and regulatory oversight compared to companies listed on major exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited financial disclosure increases the risk of investing in LPBC.
- Low trading volume and wide bid-ask spreads can lead to price volatility.
- OTC Other stocks are subject to less regulatory oversight.
- Potential for fraud or manipulation is higher in the OTC market.
- Difficulty in obtaining reliable information about the company.
- Verify the company's registration and legal status.
- Obtain and review any available financial statements.
- Assess the company's business model and competitive position.
- Evaluate the management team and their experience.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any regulatory actions or legal disputes involving the company.
- Company has been in business since 1923.
- Operates as a holding company for a bank.
- Provides traditional banking products and services.
- Operates two branch locations in New Jersey.
Lincoln Park Bancorp Financial Services Stock: Key Questions Answered
What does the AI Score mean for LPBC?
LPBC holds an AI Score of 55/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Lincoln Park Bancorp operates as the holding company for Lincoln 1st Bank, providing a range of banking products and services. The company focuses on serving individuals and small businesses …
What does Lincoln Park Bancorp do?
Lincoln Park Bancorp operates as the holding company for Lincoln 1st Bank, a community bank providing a range of financial services to individuals and small businesses in the New Jersey area. The bank offers traditional banking products, including checking and savings accounts, mortgage loans, home equity loans, and small business loans.
What do analysts say about LPBC stock?
Analyst coverage of Lincoln Park Bancorp (LPBC) is currently limited, likely due to its OTC listing and smaller market capitalization. Key valuation metrics, such as the negative P/E ratio, suggest the company is not currently profitable. Growth considerations would focus on the bank's ability to expand its loan portfolio, attract deposits, and improve its operating efficiency.
What are the main risks for LPBC?
Lincoln Park Bancorp faces several key risks, including its negative profitability, which raises concerns about its financial sustainability. The company also faces intense competition from larger regional and national banks, as well as the increasing threat from fintech companies. Economic downturns could negatively impact loan demand and credit quality, while rising interest rates could squeeze profit margins.
What are the key factors to evaluate for LPBC?
Lincoln Park Bancorp (LPBC) holds an AI score of 55/100 (moderate). Lincoln Park Bancorp presents a challenging investment case, marked by a negative P/E ratio of -539.58 and a negative profit margin of -1.0%. Not financial advice.
How frequently does LPBC data refresh on this page?
LPBC'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 LPBC's recent stock price performance?
Lincoln Park Bancorp (LPBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history in the community (founded in 1923). See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LPBC overvalued or undervalued right now?
Lincoln Park Bancorp (LPBC) 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 LPBC before investing?
Before investing in Lincoln Park Bancorp (LPBC), 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.
- Limited information available for CEO profile and analyst coverage.
- OTC market investments carry higher risks.