DDM Analysis: LBC

Valuation Snapshot

Stable Growth	$5.48 - $8.03	$6.71
Multi-Stage	$9.41 - $10.35	$9.87
Blended Fair Value	$8.29
Current Price	$8.40
Upside	-1.28%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-18.33%	0.00%	0.49	0.37	0.25	0.26	0.32	1.36	0.34	0.24	0.00	0.00
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	7.19	4.49	2.70
Cash Retained (M)	29.82	29.82	29.82
(-) Cash Required (M)	-7.19	-4.49	-2.70
(=) Excess Retained (M)	22.63	25.32	27.12
(/) Shares Outstanding (M)	49.87	49.87	49.87
(=) Excess Retained per Share	0.45	0.51	0.54
LTM Dividend per Share	0.12	0.12	0.12
(+) Excess Retained per Share	0.45	0.51	0.54
(=) Adjusted Dividend	0.58	0.63	0.67
WACC / Discount Rate	8.31%	8.31%	8.31%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$5.48	$6.71	$8.03
Upside / Downside	-34.72%	-20.12%	-4.43%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	35.96	35.60	35.24	34.89	34.54	34.19	35.22
Payout Ratio	17.07%	31.66%	46.24%	60.83%	75.41%	90.00%	92.50%
Projected Dividends (M)	6.14	11.27	16.30	21.22	26.05	30.77	32.58

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.31%	8.31%	8.31%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	10.30	10.40	10.51
Year 2 PV (M)	13.61	13.89	14.17
Year 3 PV (M)	16.20	16.70	17.21
Year 4 PV (M)	18.18	18.93	19.71
Year 5 PV (M)	19.63	20.65	21.71
PV of Terminal Value (M)	391.48	411.86	433.09
Equity Value (M)	469.39	492.44	516.41
Shares Outstanding (M)	49.87	49.87	49.87
Fair Value	$9.41	$9.87	$10.35
Upside / Downside	12.05%	17.55%	23.27%

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Luther Burbank Corporation (LBC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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