Lewis & Clark Bank (LWCL) AI Stock Analysis

• Market Cap: $6.68M
• Dividend Yield: N/A
• Average Volume (3M): 570.00
• Price to Earnings (P/E): 113.8
• Beta (1Y): 0.06
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 50
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 1,068,867
• 10 Day Avg. Volume: 944
• 30 Day Avg. Volume: 570
• 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 Cap: 7.88
• Enterprise Value/Revenue: 5.10
• Enterprise Value/Gross Profit: 4.19
• Enterprise Value/Ebitda: 19.25
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 42 Neutral
• Price Target: $38.00 ▼(-11.94% Downside)
• Action: Reiterated Date: 10/24/25
• Date: Action: Reiterated 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.

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 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...

Read more

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

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	-3.12M	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

• Technical Analysis Sentiment: Negative
• Last Price: 43.15
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Positive
• STOCH: 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 6.51, above the 50-day MA of 6.88, and above the 200-day MA of 7.29, indicating a bearish trend. The MACD of -0.21 indicates Negative momentum. The RSI at 24.91 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	78 Outperform	$55.04M	8.12	9.28%	3.21%	0.32%	37.93%
CLST	68 Neutral	$69.40M	32.15	2.53%	―	76.66%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	64 Neutral	$63.28M	9.39	4.93%	3.87%	6.89%	―
TCBS	64 Neutral	$48.94M	17.24	4.77%	1.10%	12.12%	―
LWCL	42 Neutral	$6.68M	113.84	0.18%	―	―	―