Lewis & Clark Bank (LWCL) AI Stock Analysis

• Market Cap: $42.38M
• Dividend Yield: N/A
• Average Volume (3M): 835.00
• Price to Earnings (P/E): 722.2
• Beta (1Y): -0.15
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 1,068,867
• 10 Day Avg. Volume: 477
• 30 Day Avg. Volume: 835
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $39.00
• Price Target Upside: -1.64% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 48 Neutral
• Price Target: $39.00 ▼(-1.64% Downside)

The overall stock score is primarily impacted by financial performance challenges, including profitability and cash flow issues. Technical analysis shows a lack of strong momentum, and valuation metrics indicate potential overvaluation. These factors collectively suggest caution for investors.

Lewis & Clark Bank Business Overview & Revenue Model

Company Description

Lewis & Clark Bancorp operates as the holding company for Lewis & Clark Bank that provides various commercial banking products and services. The company was founded in 2006 and is headquartered in Oregon City, Oregon.

How the Company Makes Money

Lewis & Clark Bank generates revenue through various key streams typical of community banks. Primarily, the bank earns interest income from loans provided to individuals and businesses, which is a significant portion of its revenue model. This includes personal loans, mortgages, and business loans, where the interest charged on these loans contributes to the bank's profitability. Additionally, LWCL earns non-interest income from fees associated with account maintenance, ATM services, and other banking transactions. The bank may also engage in investment activities and earn income from its investment portfolio. Strategic partnerships with local businesses and financial institutions further enhance its service offerings, contributing additional revenue through co-branded financial products and services.

Lewis & Clark Bank Financial Statement Overview

Summary

The income statement reflects revenue growth but struggles with profitability. The balance sheet indicates increased leverage, posing stability risks. Cash flow challenges with negative operating cash flow highlight liquidity concerns.

Income Statement

The income statement shows a mixed performance. The company experienced revenue growth over the last year, but profitability remains a concern with a negative EBIT. Gross profit margin is high, indicating good control over direct costs. However, the overall net profit margin is low, impacted by the net income volatility over the years.

Balance Sheet

The balance sheet reveals a moderately leveraged position with a debt-to-equity ratio that increased significantly in the latest year. Return on equity is low, reflecting challenges in generating returns for shareholders. The equity ratio suggests a stable proportion of equity financing, but recent increases in liabilities are a concern.

Cash Flow

Cash flow analysis indicates challenges with negative operating cash flow in the most recent year, leading to negative free cash flow. The ability to convert operating income into cash is inconsistent, reflecting potential liquidity risks. Cash flow from investing activities remains positive, but primarily due to asset sales.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	10.33M	19.95M	7.05M	13.52M	15.59M	13.50M
Gross Profit	12.56M	10.83M	14.59M	13.52M	15.59M	13.50M
EBITDA	2.73M	251.00K	-3.46M	2.96M	5.74M	2.90M
Net Income	-2.53M	59.00K	-2.52M	1.83M	3.80M	1.58M
Balance Sheet
Total Assets	392.12M	344.14M	392.12M	363.58M	445.38M	347.10M
Cash, Cash Equivalents and Short-Term Investments	69.75M	26.07M	69.75M	16.46M	66.52M	73.17M
Total Debt	86.96M	71.98M	86.96M	27.93M	6.91M	12.75M
Total Liabilities	361.13M	311.10M	361.13M	333.25M	407.75M	310.22M
Stockholders Equity	30.99M	33.05M	30.99M	30.33M	37.63M	36.88M
Cash Flow
Free Cash Flow	0.00	-3.36M	1.53M	695.00K	-2.07M	1.65M
Operating Cash Flow	0.00	-3.28M	1.66M	737.00K	-1.77M	1.77M
Investing Cash Flow	0.00	8.99M	26.37M	24.22M	-98.98M	-39.08M
Financing Cash Flow	0.00	-47.21M	25.25M	-74.27M	94.81M	62.14M

Lewis & Clark Bank Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 39.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LWCL, the sentiment is Neutral. The current price of 39.65 is below the 20-day moving average (MA) of 40.33, above the 50-day MA of 39.56, and above the 200-day MA of 34.48, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 45.75 is Neutral, neither overbought nor oversold. The STOCH value of 9.88 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for LWCL.

Lewis & Clark Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	69 Neutral	$42.11M	10.90	―	3.80%	-2.93%	7.89%
ASRV	68 Neutral	$47.74M	12.91	3.33%	4.18%	6.06%	―
TCBS	57 Neutral	$48.06M	20.62	-2.50%	0.99%	13.47%	―
CLST	57 Neutral	$55.05M	23.75	-3.85%	―	107.33%	―
LWCL	48 Neutral	$42.38M	722.22	-8.12%	―	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%