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Lake Ridge Bancorp Inc. (LRBI)

USD146.00 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 6430 Bridge Road 53713
Monona, WI, US
CEO James L. Tubbs
IPO 2007-09-14
CIK 1489264 ISIN US78391L1061

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Also trades on Other OTC · LRBI (USD) Other OTC · SBBI (USD)
Description

Lake Ridge Bancorp Inc. operates as the parent company for Lake Ridge Bank, delivering a broad spectrum of financial products and services to both individual consumers and corporate entities. For personal banking needs, the institution provides various deposit accounts, including checking, savings, and money market options, along with a suite of lending solutions such as home equity lines of credit, mortgages, automobile loans, debt consolidation financing, and personal reserve facilities. Businesses can access a range of services including small business loans, commercial real estate and construction financing, revolving lines of credit, letters of credit, land development loans, and equipment leasing. Beyond traditional banking, the company extends specialized offerings like executive banking, investment and wealth management, financial and retirement planning, treasury and cash management services, employee retirement plans, and trustee and estate administration. Furthermore, Lake Ridge Bancorp Inc. caters to specific sectors with dairy and agricultural lending, crop insurance, comprehensive insurance and risk management, and digital investing solutions. Customers also benefit from modern conveniences such as debit and credit cards, online and mobile banking platforms, and remote deposit capture capabilities. Founded in 1908 and headquartered in Monona, Wisconsin, the company conducts its operations across Dane, Rock, Sauk, and Green counties in Wisconsin. It adopted its current name, Lake Ridge Bancorp Inc., in October 2022, having previously been known as S.B.C.P. Bancorp, Inc.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD146.00 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
318
Beta
-0.01
Float Shares
1.95M
Free Float %
98.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.35% +0.35% +2.86% +12.59% +27.43% +22.05% +24.14% +51.58% +51.58% +206.38% +44.00%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
146.00
DCF (Unlevered) 249.34 +70.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +611.5% Q1'26: +7.2% (vs Q1'25)
  • EPS growth
    +84.7% Q1'26: +38.4% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +17.9% (vs Q1'25)
  • ROIC
    Q1'26: +5.7% (vs Q1'25)
  • Share dilution
    +183.8% Q1'26: +0.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 7.37× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.03) × ERP
WACC = 53% × Ke + 47% × Kd (28.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 249.34 Current price: 146.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-22 B- 3/5 1/5 3/5 3/5 2/5 3/5 3/5
2026-05-19 B- 3/5 1/5 3/5 3/5 2/5 3/5 3/5
2026-05-15 B- 3/5 1/5 3/5 3/5 2/5 3/5 3/5
2026-05-11 B 3/5 1/5 3/5 3/5 2/5 3/5 4/5
2026-05-08 B 3/5 1/5 3/5 3/5 2/5 3/5 4/5
2026-05-06 B 3/5 1/5 3/5 3/5 2/5 3/5 4/5
2026-05-04 B 3/5 1/5 3/5 3/5 2/5 4/5 4/5
2026-04-23 B+ 3/5 1/5 3/5 4/5 2/5 4/5 4/5
2026-04-21 B+ 3/5 1/5 3/5 4/5 2/5 4/5 4/5
2026-04-17 B+ 3/5 1/5 3/5 4/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history)

Owner's Earnings history not available.

Owner alignment
Owner's Earnings TTM
OE per share TTM
Owner's Yield
Maintenance CapEx ratio
Maint CapEx / Avg PPE

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2007-03-27 FABER BARRY Officer S-Sale D Common Stock 4,980 15.64 77.9K 20
2004-12-02 SMITH DAVID D Director / Officer / 10% Owner J-Other D Class B Common Stock 118,906 8.41 1,000.0K 11,228,414

Executive team

Top executives
EBIT / Employee
4.04M
Shares Outstanding
1.97M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Debbie Hodge Senior VP & Mortgage Manager female
James L. Tubbs CEO & Director male
Mark Kraemer Senior VP & Business Relationship Manager male
Matt Karnick Senior Vice President of Business Banking Sales Manager male
Michael Flynn Senior Vice President of Business Banking Sales Manager male
Paul A. Hoffmann President & Director male
Phillip L. Whitehead Senior Vice President of Business Banking Sales Manager male
Suzanne Loken Chief Officer female
Tami DiFulvio Investor Relations Relationship Manager female
Timothy Ryan Chief Financial Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings reports

Stock splits