Stock fact sheet · data as of
Lake Ridge Bancorp Inc. (LRBI): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is LRBI undervalued?
Lake Ridge Bancorp Inc. (LRBI) closed at 155.00 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 198.45, so the price sits 22% below it. 6 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
There is a wide gap between GLS Growth (3.20) and 10 Cap (440.35). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files LRBI under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for LRBI
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 246.54 | +59% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 242.60 | +57% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 266.73 | +72% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 66.13 | -57% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 3.20 | -98% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 440.35 | +184% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 302.35 | +95% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 34.43 | -78% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 183.70 | +19% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -1,492.03 | -1063% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Lake Ridge Bancorp Inc. scores only 0 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 7.5/10 puts LRBI among the more durable businesses we track: over ten years the metrics the score watches (revenue, EPS, book value, margins, cash flow, ROIC) have mostly moved the right way, year after year.
Returns on capital are moderate - ROIC 5.2%, ROE 9.6%, ROA 0.9% - with debt at 0.83 times equity and negative free cash flow.
The dividend yield is 1.51% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 0 / 9 | ROIC | 5.2% |
|---|---|---|---|
| GLS Moat | 7.5 / 10 | ROE | 9.6% |
| Debt / equity | 0.83 | ROA | 0.9% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Lake Ridge Bancorp Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $305M, with a beta of -0.01 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 22 / 25 | 22% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 11 / 15 | moat 7.5/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $305M cap, beta -0.01 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for LRBI in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Lake Ridge Bancorp Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FCCO First Community Corporation | 32.39 | 30.62 | -6% | 38No options | $304M |
| BPRN Princeton Bancorp Inc. | 43.38 | 44.83 | +3% | 39No options | $296M |
| NEWTH NewtekOne, Inc. | 24.75 | 124.20 | +80% | 39No options | $316M |
| NEWTI NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 | 24.93 | 124.94 | +80% | 39No options | $316M |
| NEWTG NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 | 24.74 | 105.71 | +77% | 39No options | $316M |
| NEWTP NewtekOne, Inc. Depositary Shares, Non-Cumulative Perpetual Preferred Stock, Series B | 24.22 | 103.97 | +77% | 39No options | $316M |
| NEWT NewtekOne, Inc. | 10.94 | 59.49 | +82% | 68Good | $316M |
| FVCB FVCBankcorp, Inc. | 17.53 | 19.45 | +10% | 66Good | $316M |
| COSO CoastalSouth Bancshares, Inc. | 26.74 | 46.91 | +43% | 39No options | $320M |
| TRUX Truxton Corporation | 25.13 | 40.32 | +38% | 39No options | $290M |
| JMSB John Marshall Bancorp, Inc. | 22.79 | 32.31 | +29% | 77Good | $322M |
| MYFW First Western Financial, Inc. | 29.46 | 31.19 | +6% | 65Good | $288M |
⚖ Compare LRBI with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about LRBI
Is LRBI undervalued right now?
By the GLS models, moderately: at 155.00 the stock trades 22% below the average fair value of 198.45 (data as of 16 Oct 2026).
What is the Wheel Score of LRBI and what does it mean?
LRBI has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for LRBI?
198.45 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Lake Ridge Bancorp Inc. report earnings next?
No upcoming earnings date is recorded for LRBI in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does LRBI have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on LRBI, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.