The long-term trend of the EPS is an important number as it indicates the present value of Luther Burbank Corporation. The EPS growth rate, as it is typically called, is usually expressed as a percentage, which is 7.00%. Growth in EPS is an important measure of administration performance because it shows how much money Luther Burbank Corporation is making for it’s investors or shareholders.



Luther Burbank Corporation trades as part of the banking industry and financial services sector. The company CEO is John G. Biggs. Luther Burbank Corp is a bank holding company. The company through its subsidiary provides real estate secured lending in attractive metropolitan areas along the West Coast.

Previous Intraday Performance:

The LBC shares had a previous change of -5.09% which opened at 10.46 and closed at 9.88. It moved to an intraday high of 10.49 and a low of 9.80.

SeekingAlpha:  Luther Burbank declares $0.0575 dividend

Historical Performance:

Over the last five trading days, LBC shares returned -5.82% and in the past 30 trading days it returned 2.46%. Over three months, it changed -9.40%. In one year it has changed -14.48% and within that year its 52-week high was 13.60 and its 52-week low was 9.23. LBC stock is 7.04% above its 52 Week Low.

Our calculations result in a 200 day moving average of 11.43 and a 50 day moving average of 10.12. Right now, LBC stock is trading -13.53% below its 200 day moving average and may not be a great opportunity to buy as it may continue to trend down.

SeekingAlpha:  Luther Burbank EPS in-line, misses on revenue

Liquidity:

The company has a market cap of $558.7m with 56.5m shares outstanding and a float of 55.3m shares. Trading volume was 89,942 shares and has experienced an average volume of 67,405 shares. Our calculation, using the current average volume and close price, leads me to believe that the liquidity is bad, highly speculative and an investor may want to avoid this stock.

Earnings:

The last annual reported EPS for Luther Burbank Corporation was 1.62 which ended on 31st of December 2017, which according to the previous close, that is a PE of 6.10. Based on 2 analyst estimates, the consensus EPS for the next quarter is 0.20. The trailing twelve month EPS is 0.88, which comes to a trailing twelve month PE of 11.23.

Below was the last reported quarterly earnings per share:
09-30-2018:  0.21
06-30-2018:  0.20
03-31-2018:  0.20
12-31-2017:  0.27



The dividend per share is currently 0.23, which is a dividend yield of 2.33%. Also, the payout ratio is 26.14%, therefore the dividend is safe according to our calculations.

Base on our calculations, the intrinsic value per share is 18.19, which means it might be undervalued and has a margin of safety of 45.68%

Indicators Also to Watch:

Based on the latest filings, there is 2.20% of insider ownership and 19.10% of institutional ownership. Short-interest was 0, which was 0.00% of shares outstanding. The short-interest ratio or days-to-cover ratio was 0.00.

I calculated the beta to be 1.68

SeekingAlpha:  Luther Burbank EPS in-line, misses on revenue

Fundamental Numbers:

Based on last reported financials, the company’s return on equity is 10.92%, return on assets is 0.91%, profit margin is 25.84%, price-to-sales is 2.77 and price-to-book is 1.10.

Company Score Card:

Results are out of six:
 2  : Growth Expectations Result
 6  : Financial Safety Result
 1  : Past Performance Result
 5  : Valuation Result
 3  : Dividend Safety Result
 3  : Overall Result

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Jake McWilliams
I am an independent trader, analyst and algorithmic trading expert, having worked both for the sell side (brokerage) and the buy side (fund administration). I have been trading professionally for about 20 years. I trade stocks and forex and I play both long and short positions in underlying asset or through options. I have experience with discretionary and fully automated systems (Metatrader and Quantshare).

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