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Luther Burbank Corporation (LBC)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$5.48 - $8.03$6.71
Multi-Stage$9.41 - $10.36$9.87
Blended Fair Value$8.29
Current Price$8.40
Upside-1.28%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR20222021202020192018201720162015
DPS-18.33%0.00%0.490.370.250.260.321.360.340.240.000.00
YoY Growth--33.51%49.80%-5.51%-18.36%-76.46%303.57%42.37%0.00%0.00%0.00%
Dividend Yield--5.21%2.78%2.09%2.85%3.08%11.32%2.87%2.01%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)35.96
(-) Cash Dividends Paid (M)6.14
(=) Cash Retained (M)29.82
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)7.194.492.70
Cash Retained (M)29.8229.8229.82
(-) Cash Required (M)-7.19-4.49-2.70
(=) Excess Retained (M)22.6325.3227.12
(/) Shares Outstanding (M)49.8749.8749.87
(=) Excess Retained per Share0.450.510.54
LTM Dividend per Share0.120.120.12
(+) Excess Retained per Share0.450.510.54
(=) Adjusted Dividend0.580.630.67
WACC / Discount Rate8.31%8.31%8.31%
Growth Rate-2.00%-1.00%0.00%
Fair Value$5.48$6.71$8.03
Upside / Downside-34.71%-20.11%-4.43%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)35.9635.6035.2434.8934.5434.1935.22
Payout Ratio17.07%31.66%46.24%60.83%75.41%90.00%92.50%
Projected Dividends (M)6.1411.2716.3021.2226.0530.7732.58

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.31%8.31%8.31%
Growth Rate-2.00%-1.00%0.00%
Year 1 PV (M)10.3010.4010.51
Year 2 PV (M)13.6113.8914.17
Year 3 PV (M)16.2016.7017.21
Year 4 PV (M)18.1818.9319.71
Year 5 PV (M)19.6320.6521.71
PV of Terminal Value (M)391.50411.89433.11
Equity Value (M)469.42492.46516.43
Shares Outstanding (M)49.8749.8749.87
Fair Value$9.41$9.87$10.36
Upside / Downside12.06%17.56%23.28%

High-Yield Dividend Screener

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