NASDAQ /
Sector: Financial Services
/
Sub-Sector: Savings & Cooperative Banks
/
Stock Type: Cyclical
# of Employee: 364
/
Fiscal Year End: 2016-12-31
/
Stock Type: Small Value
USD
/
Exchange Rate: 1
at
2016-11-22
/
Estimation: $Confidential
/
/ $
Lake Sunapee Bank Group is a savings bank. It provides housing finance, commercial loand and financial services. It also provides brokerage services.
NYCB |
PBCT |
ISBC |
WAFD |
CFFN |
NWBI |
PFS |
AF |
FBC |
BOFI |
KRNY |
BHLB |
EBSB |
UBNK |
CASH |
FFIC |
HMST |
DCOM |
OCFC |
HONE |
LOB |
WSBF |
FDEF |
BKMU |
MSBF |
Finance Highlights
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| 2006-12-25 | Annual | 27.20% | 33.30% | 3.1 | 11.2 | 19.60% | 12.70% | 12.70% | 0.078 | .941 |
| 2007-12-25 | Annual | 8.40% | 13.10% | 1.2 | 14.8 | 14.10% | 9.70% | 9.70% | 0.095 | 1.038 |
| 2008-12-25 | Annual | 17.70% | 26.20% | 2.3 | 13.0 | 17.90% | 11.40% | 11.40% | 0.097 | 1.023 |
| 2009-12-25 | Annual | 7.80% | 13.10% | 1.2 | 15.2 | 30.00% | 12.60% | 12.60% | 0.100 | 1.180 |
| 2010-12-25 | Annual | 12.30% | 23.20% | 2.0 | 16.0 | 27.90% | 16.20% | 16.20% | 0.102 | 1.142 |
| 2011-12-25 | Annual | 10.80% | 24.60% | 2.0 | 18.8 | 24.80% | 16.10% | 16.10% | 0.116 | 1.118 |
| 2012-12-25 | Annual | 0.80% | 2.10% | 0.2 | 21.9 | 27.70% | 15.20% | 15.20% | 0.113 | 1.038 |
| 2013-12-25 | Annual | 13.10% | 35.00% | 2.7 | 20.4 | 22.30% | 15.00% | 15.00% | 0.117 | .959 |
| 2014-12-25 | Annual | 6.80% | 14.10% | 1.2 | 17.0 | 21.40% | 14.80% | 14.80% | 0.103 | .954 |
| 2015-12-25 | Annual | 12.00% | 24.70% | 2.0 | 16.6 | 20.50% | 13.50% | 13.50% | 0.099 | .949 |
Key Ratio Trend
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| Average | Annual | -28.15% | -18.87% | -19.58% | 1.70% | -5.45% | -1.32% | -1.32% | 2.06% | -1.74% |
| 2007-12-25 | Annual | -69.12% | -60.66% | -59.38% | 31.74% | -28.06% | -23.62% | -23.62% | 21.79% | 10.31% |
| 2008-12-25 | Annual | 110.71% | 100.00% | 84.61% | -12.40% | 26.95% | 17.53% | 17.53% | 2.11% | -1.45% |
| 2009-12-25 | Annual | -55.93% | -50.00% | -48.06% | 17.46% | 67.60% | 10.53% | 10.53% | 3.09% | 15.35% |
| 2010-12-25 | Annual | 57.69% | 77.10% | 64.96% | 4.94% | -7.00% | 28.57% | 28.57% | 2.00% | -3.22% |
| 2011-12-25 | Annual | -12.20% | 6.03% | 3.21% | 17.31% | -11.11% | -0.62% | -0.62% | 13.73% | -2.10% |
| 2012-12-25 | Annual | -92.59% | -91.46% | -90.87% | 16.78% | 11.69% | -5.59% | -5.59% | -2.59% | -7.16% |
| 2013-12-25 | Annual | 1,537.50% | 1,566.67% | 1,351.35% | -6.67% | -19.49% | -1.32% | -1.32% | 3.54% | -7.61% |
| 2014-12-25 | Annual | -48.09% | -59.71% | -56.80% | -17.04% | -4.04% | -1.33% | -1.33% | -11.97% | -0.52% |
| 2015-12-25 | Annual | 76.47% | 75.18% | 71.90% | -2.35% | -4.21% | -8.78% | -8.78% | -3.88% | -0.52% |
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| 2006-12-25 | Annual | 39,548,327.0 | 31,778,536.0 | 15,260,587.0 | 5,039,859.0 | 5,039,859.0 | 4,307,572 | 19.60% | 12.70% | 12.70% |
| 2007-12-25 | Annual | 46,557,454.0 | 40,008,232.0 | 19,380,615.0 | 4,515,682.0 | 4,515,682.0 | 4,908,350 | 14.10% | 9.70% | 9.70% |
| 2008-12-25 | Annual | 50,332,875.0 | 41,332,377.0 | 16,714,048.0 | 5,725,072.0 | 5,725,072.0 | 5,758,230 | 17.90% | 11.40% | 11.40% |
| 2009-12-25 | Annual | 52,230,177.0 | 36,567,962.0 | 12,076,182.0 | 6,597,706.0 | 6,597,706.0 | 5,761,948 | 30.00% | 12.60% | 12.60% |
| 2010-12-25 | Annual | 48,930,775.0 | 35,257,794.0 | 9,744,300.0 | 7,947,435.0 | 7,947,435.0 | 5,779,035 | 27.90% | 16.20% | 16.20% |
| 2011-12-25 | Annual | 47,646k | 35,815k | 8,689k | 7,669k | 7,669k | 5,793,741 | 24.80% | 16.10% | 16.10% |
| 2012-12-25 | Annual | 51,064k | 36,916k | 7,399k | 7,759k | 7,759k | 5,912,051 | 27.70% | 15.20% | 15.20% |
| 2013-12-25 | Annual | 55,951k | 43,448k | 6,497k | 8,414k | 8,414k | 7,301,861 | 22.30% | 15.00% | 15.00% |
| 2014-12-25 | Annual | 67,954k | 53,445k | 6,799k | 10,040k | 10,040k | 8,246,528 | 21.40% | 14.80% | 14.80% |
| 2015-12-25 | Annual | 66,757k | 53,074k | 6,869k | 9,029k | 9,029k | 8,255,826 | 20.50% | 13.50% | 13.50% |
Income Statement Trend
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| Average | Annual | 5.66% | 2.41% | -12.89% | 5.21% | 5.21% | 1.27% | -5.45% | -1.32% | -1.32% |
| 2007-12-25 | Annual | 17.72% | 25.90% | 27.00% | -10.40% | -10.40% | 13.95% | -28.06% | -23.62% | -23.62% |
| 2008-12-25 | Annual | 8.11% | 3.31% | -13.76% | 26.78% | 26.78% | 17.31% | 26.95% | 17.53% | 17.53% |
| 2009-12-25 | Annual | 3.77% | -11.53% | -27.75% | 15.24% | 15.24% | 0.06% | 67.60% | 10.53% | 10.53% |
| 2010-12-25 | Annual | -6.32% | -3.58% | -19.31% | 20.46% | 20.46% | 0.30% | -7.00% | 28.57% | 28.57% |
| 2011-12-25 | Annual | -2.63% | 1.58% | -10.83% | -3.50% | -3.50% | 0.25% | -11.11% | -0.62% | -0.62% |
| 2012-12-25 | Annual | 7.17% | 3.07% | -14.85% | 1.17% | 1.17% | 2.04% | 11.69% | -5.59% | -5.59% |
| 2013-12-25 | Annual | 9.57% | 17.69% | -12.19% | 8.44% | 8.44% | 23.51% | -19.49% | -1.32% | -1.32% |
| 2014-12-25 | Annual | 21.45% | 23.01% | 4.65% | 19.32% | 19.32% | 12.94% | -4.04% | -1.33% | -1.33% |
| 2015-12-25 | Annual | -1.76% | -0.69% | 1.03% | -10.07% | -10.07% | 0.11% | -4.21% | -8.78% | -8.78% |
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| 2006-12-25 | Annual | 48,409,406.0 | 672,031,030.0 | 623,621,624.0 | 494,482,297.0 | 465,505,820.0 | 158,115,804.0 | 0.078 | .941 |
| 2007-12-25 | Annual | 72,667,323.0 | 834,229,842.0 | 761,562,519.0 | 628,782,342.0 | 652,972,017.0 | 108,590,502.0 | 0.095 | 1.038 |
| 2008-12-25 | Annual | 74,677,092.0 | 843,198,414.0 | 768,521,322.0 | 638,658,040.0 | 653,353,325.0 | 115,167,997.0 | 0.097 | 1.023 |
| 2009-12-25 | Annual | 87,776,253.0 | 962,601,187.0 | 874,824,934.0 | 622,410,506.0 | 734,428,768.0 | 140,396,166.0 | 0.100 | 1.180 |
| 2010-12-25 | Annual | 92,391,419.0 | 995,053,884.0 | 902,662,465.0 | 681,400,928.0 | 778,219,117.0 | 124,443,348.0 | 0.102 | 1.142 |
| 2011-12-25 | Annual | 108,660k | 1,041,819k | 933,159k | 718,386k | 803,023k | 130,136k | 0.116 | 1.118 |
| 2012-12-25 | Annual | 129,494k | 1,270,477k | 1,140,983k | 914,219k | 949,341k | 191,642k | 0.113 | 1.038 |
| 2013-12-25 | Annual | 149,257k | 1,423,870k | 1,274,613k | 1,134,790k | 1,088,092k | 186,521k | 0.117 | .959 |
| 2014-12-25 | Annual | 139,836k | 1,503,786k | 1,363,950k | 1,208,845k | 1,152,714k | 211,236k | 0.103 | .954 |
| 2015-12-25 | Annual | 136,708k | 1,518,521k | 1,381,813k | 1,219,649k | 1,157,352k | 224,461k | 0.099 | .949 |
Balance Sheet Trend
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| Average | Annual | 10.82% | 5.21% | 5.40% | 6.04% | 5.95% | 5.40% | 2.06% | -1.74% |
| 2007-12-25 | Annual | 50.11% | 24.14% | 22.12% | 27.16% | 40.27% | -31.32% | 21.79% | 10.31% |
| 2008-12-25 | Annual | 2.77% | 1.08% | 0.91% | 1.57% | 0.06% | 6.06% | 2.11% | -1.45% |
| 2009-12-25 | Annual | 17.54% | 14.16% | 13.83% | -2.54% | 12.41% | 21.91% | 3.09% | 15.35% |
| 2010-12-25 | Annual | 5.26% | 3.37% | 3.18% | 9.48% | 5.96% | -11.36% | 2.00% | -3.22% |
| 2011-12-25 | Annual | 17.61% | 4.70% | 3.38% | 5.43% | 3.19% | 4.57% | 13.73% | -2.10% |
| 2012-12-25 | Annual | 19.17% | 21.95% | 22.27% | 27.26% | 18.22% | 47.26% | -2.59% | -7.16% |
| 2013-12-25 | Annual | 15.26% | 12.07% | 11.71% | 24.13% | 14.62% | -2.67% | 3.54% | -7.61% |
| 2014-12-25 | Annual | -6.31% | 5.61% | 7.01% | 6.53% | 5.94% | 13.25% | -11.97% | -0.52% |
| 2015-12-25 | Annual | -2.24% | 0.98% | 1.31% | 0.89% | 0.40% | 6.26% | -3.88% | -0.52% |
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| 2006-12-25 | Annual | 9,331,814.0 | -3,829,841.0 | 13,161,655.0 | -15,561,289.0 | 14,830,821.0 |
| 2007-12-25 | Annual | 4,248,635.0 | -1,843,373.0 | 6,092,008.0 | 21,681,532.0 | -26,822,406.0 |
| 2008-12-25 | Annual | 11,637,399.0 | -1,556,782.0 | 13,194,181.0 | -24,980,367.0 | 1,870,118.0 |
| 2009-12-25 | Annual | 6,140,450.0 | -713,765.0 | 6,854,215.0 | -105,093,049.0 | 114,429,560.0 |
| 2010-12-25 | Annual | 10,400,950.0 | -944,637.0 | 11,345,587.0 | -37,502,607.0 | 22,275,899.0 |
| 2011-12-25 | Annual | 10,621k | -1,117k | 11,738k | -54,761k | 35,667k |
| 2012-12-25 | Annual | 1,096k | 0.0 | 1,096k | -88,553k | 102,129k |
| 2013-12-25 | Annual | 20,483k | 874k | 19,609k | -1,931k | -24,136k |
| 2014-12-25 | Annual | 11,240k | 1,673k | 9,567k | -63,713k | 70,015k |
| 2015-12-25 | Annual | 16,973k | 507k | 16,466k | -28,609k | 3,082k |
Cash Flow Trend
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| Average | Annual | -18.88% | 8.64% | -19.43% | -52.99% | -2.40% |
| 2007-12-25 | Annual | -54.47% | 51.87% | -53.71% | 239.33% | -280.86% |
| 2008-12-25 | Annual | 173.91% | 15.55% | 116.58% | -215.21% | 106.97% |
| 2009-12-25 | Annual | -47.24% | 54.15% | -48.05% | -320.70% | 6,018.84% |
| 2010-12-25 | Annual | 69.38% | -32.35% | 65.53% | 64.31% | -80.53% |
| 2011-12-25 | Annual | 2.12% | -18.25% | 3.46% | -46.02% | 60.11% |
| 2012-12-25 | Annual | -89.68% | 100.00% | -90.66% | -61.71% | 186.34% |
| 2013-12-25 | Annual | 1,768.89% | 0.00% | 1,689.14% | 97.82% | -123.63% |
| 2014-12-25 | Annual | -45.13% | 91.42% | -51.21% | -3,199.48% | 390.09% |
| 2015-12-25 | Annual | 51.01% | -69.70% | 72.11% | 55.10% | -95.60% |
Finance Detail
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Note