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Lewis & Clark Bank
(OTC:LWCL)
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Rating:42Neutral
Price Target:
$38.00
▼(-11.94% Downside)
Action:Reiterated
Date:10/24/25
LWCL's overall score of 42 reflects significant concerns in financial performance, driven by poor profitability, negative cash flows, and high leverage, which pose risks to stability. Valuation concerns with an extremely high P/E ratio further weigh on the score, despite an attractive dividend yield. Technical indicators remain neutral, offering little support for a higher rating at this time.
Positive Factors
Revenue Growth
Revenue growth indicates that Lewis & Clark Bank is expanding its market presence, which is crucial for long-term sustainability and competitiveness in the regional banking sector.
Negative Factors
Profitability Challenges
Negative EBIT highlights ongoing profitability issues, which could hinder the bank's ability to reinvest in growth and improve shareholder returns over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Revenue growth indicates that Lewis & Clark Bank is expanding its market presence, which is crucial for long-term sustainability and competitiveness in the regional banking sector.
Read all positive factors
Lewis & Clark Bank (LWCL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.68M
Dividend YieldN/A
Average Volume (3M)570.00
Price to Earnings (P/E)112.4
Beta (1Y)0.10
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees50
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,068,867
10 Day Avg. Volume944
30 Day Avg. Volume570
Financial Highlights & Ratios
PEG Ratio-5.28
Price to Book (P/B)0.96
Price to Sales (P/S)1.60
P/FCF Ratio-9.49
Enterprise Value/Market Cap7.87
Enterprise Value/Revenue5.09
Enterprise Value/Gross Profit4.19
Enterprise Value/Ebitda-89.82
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
Lewis & Clark Bank Business Overview & Revenue Model
Company Description
Lewis & Clark Bancorp functions as the parent entity for Lewis & Clark Bank, a financial institution that offers a range of commercial banking solutions and services. This company was established in 2006, with its principal office situated in Oreg...
How the Company Makes Money
Lewis & Clark Bank generates revenue through several key streams, primarily from interest income and non-interest income. The bank earns interest income by providing loans to consumers and businesses, including personal loans, mortgages, and comme...
Lewis & Clark Bank Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
40
Negative
Cash Flow
30
Negative
| 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 | -585.50K | 251.00K | -3.12M | 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
Negative
43.15
Price Trends
6.28
Negative
6.46
Negative
6.97
Negative
Market Momentum
>-0.01
Negative
19.04
Positive
<0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LWCL, the sentiment is Negative. The current price of 43.15 is above the 20-day moving average (MA) of 6.25, above the 50-day MA of 6.28, and above the 200-day MA of 6.97, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 19.04 is Positive, neither overbought nor oversold. The STOCH value of <0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LWCL.
Lewis & Clark Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $67.19M | 11.34 | 10.42% | 3.21% | 5.66% | 79.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $67.67M | 30.36 | 2.48% | ― | -0.66% | -1.32% | |
61 Neutral | $64.97M | 11.57 | 4.72% | 3.87% | 4.99% | 50.85% | |
58 Neutral | $50.57M | 16.50 | 5.34% | 1.10% | 3.83% | 59.54% | |
42 Neutral | $6.68M | 112.41 | 0.18% | ― | ― | ― |
* Financial Sector Average
LWCL
Lewis & Clark Bank
6.25
-1.15
-15.54%
ASRV
Ameriserv Financial
3.82
0.78
25.86%
HFBL
Home Federal Bancorp Of Louisiana
22.23
9.16
70.14%
TCBS
Texas Community
17.66
1.88
11.94%
CLST
Catalyst Bancorp
17.00
4.75
38.78%
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.