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Logansport Financial
(OTC:LOGN)
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Rating:61Neutral
Price Target:
$34.00
▲(6.35% Upside)
Action:Reiterated
Date:03/03/26
The score is held back primarily by weakening financial quality: materially lower margins, meaningfully negative free cash flow, and higher leverage in 2025. Technicals are largely neutral and do not provide a strong offset. Valuation is a bright spot, supported by a moderate P/E and high dividend yield.
Positive Factors
Revenue Growth
Revenue rose from about $12.1M in 2020 to $15.4M in 2025, demonstrating multi-year top-line growth. Sustained revenue expansion strengthens pricing leverage opportunities, supports scale economics, and provides a stable base to rebuild margins and fund strategic initiatives over the medium term.
Negative Factors
Margin Compression
Net margin compressed from roughly 29–32% (2020–2022) to about 11% in 2025, signaling materially weaker profitability. Such structural margin erosion reduces retained earnings, limits internal reinvestment and dividend sustainability, and heightens sensitivity to funding costs or revenue setbacks.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Revenue rose from about $12.1M in 2020 to $15.4M in 2025, demonstrating multi-year top-line growth. Sustained revenue expansion strengthens pricing leverage opportunities, supports scale economics, and provides a stable base to rebuild margins and fund strategic initiatives over the medium term.
Read all positive factors
Logansport Financial (LOGN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$25.65M
Dividend Yield5.37%
Average Volume (3M)250.00
Price to Earnings (P/E)10.5
Beta (1Y)0.04
Revenue Growth6.06%
EPS Growth41.23%
CountryUS
Employees7,000
SectorFinancial
Sector Strength70
IndustryBanks
Share Statistics
EPS (TTM)3.14
Shares Outstanding786,000
10 Day Avg. Volume75
30 Day Avg. Volume250
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)0.89
Price to Sales (P/S)1.31
P/FCF Ratio-4.82
Enterprise Value/Market Cap0.43
Enterprise Value/Revenue0.78
Enterprise Value/Gross Profit1.14
Enterprise Value/Ebitda4.99
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Logansport Financial Business Overview & Revenue Model
Company Description
Logansport Financial Corp. operates as the holding company for Logansport Savings Bank that provides various banking products and services to individuals and businesses in Cass County, Indiana. The company’s personal banking products and services ...
How the Company Makes Money
Logansport Financial generates revenue through several key streams: interest income from loans, fees from banking services, and investment management fees. The majority of its revenue comes from interest earned on various types of loans, including...
Logansport Financial Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
66
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 13.89M | 15.44M | 14.37M | 13.15M | 10.97M | 10.79M |
| Gross Profit | 9.59M | 9.19M | 8.24M | 8.26M | 9.74M | 10.17M |
| EBITDA | 2.19M | 1.97M | 1.54M | 2.19M | 3.77M | 3.98M |
| Net Income | 1.93M | 1.76M | 1.25M | 1.79M | 3.16M | 3.21M |
Balance Sheet | ||||||
| Total Assets | 285.79M | 265.82M | 263.86M | 247.71M | 255.05M | 247.71M |
| Cash, Cash Equivalents and Short-Term Investments | 23.87M | 4.07M | 59.09M | 64.21M | 80.17M | 93.02M |
| Total Debt | 15.00M | 15.00M | 0.00 | 1.95M | 0.00 | 0.00 |
| Total Liabilities | 262.10M | 243.11M | 243.43M | 227.00M | 234.61M | 219.25M |
| Stockholders Equity | 22.77M | 22.71M | 20.43M | 20.72M | 20.44M | 28.46M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -4.21M | -1.83M | 1.25M | 2.43M | 5.58M |
| Operating Cash Flow | 0.00 | 1.53M | 1.51M | 1.51M | 2.54M | 5.66M |
| Investing Cash Flow | 0.00 | -7.88M | -6.42M | 7.20M | -22.64M | -31.10M |
| Financing Cash Flow | 0.00 | -1.11M | 15.09M | -10.65M | 15.20M | 24.66M |
Logansport Financial Technical Analysis
Positive
31.97
Price Trends
32.18
Positive
31.80
Positive
31.12
Positive
Market Momentum
0.16
Negative
55.77
Neutral
61.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LOGN, the sentiment is Positive. The current price of 31.97 is below the 20-day moving average (MA) of 32.28, below the 50-day MA of 32.18, and above the 200-day MA of 31.12, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 55.77 is Neutral, neither overbought nor oversold. The STOCH value of 61.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LOGN.
Logansport Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $25.65M | 10.46 | 8.20% | 5.37% | 6.06% | 41.23% | |
59 Neutral | $40.43M | 27.67 | 1.71% | ― | 10.06% | ― | |
51 Neutral | $13.37M | -133.53 | 0.09% | ― | 8.13% | -357.58% | |
40 Underperform | $1.34M | -0.21 | -229.75% | ― | -41.20% | 94.76% |
* Financial Sector Average
LOGN
Logansport Financial
33.17
4.34
15.04%
CARV
Carver Bancorp
1.45
-0.41
-21.83%
GLBZ
Glen Burnie Bancorp
4.54
-1.18
-20.63%
KFFB
Kentucky First Federal Bancorp
4.80
1.78
58.91%
SHFS
SHF Holdings
0.20
-2.94
-93.50%
MBBC
Marathon Bancorp
15.15
5.12
51.05%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.