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Lyons Bancorp Inc. (LYBC)

USD54.50 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 35 William Street 14489
Lyons, NY, US
CEO Clair J. Britt Jr.
IPO 2006-09-07
CIK 816332 ISIN US5521121047

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Description

Lyons Bancorp Inc. functions as a financial holding company, delivering comprehensive commercial and retail banking solutions to both individual clients and small businesses. The institution provides a variety of deposit products, including checking and savings accounts, individual retirement accounts, and certificates of deposit. Its extensive lending portfolio encompasses commercial and agricultural real estate loans, general commercial and agricultural financing, and consumer installment loans. Residential real estate options include financing for 1-4 family homes and home equity lines. Additionally, it offers consumer loans for recreational vehicles, automobiles, personal expenses, personal lines of credit, and home improvement projects. Beyond core banking, Lyons Bancorp offers a suite of financial services, such as retirement planning strategies, investment management, education savings plans, life insurance, long-term care insurance, and various employer and employee benefit services. Further conveniences include mortgage services, digital banking platforms (online, mobile, and telephone), credit and debit card services, online cash management for businesses, merchant services, safe deposit boxes, wire transfers, a traveler program, online bill payment, e-statements, money orders, and official checks. The company operates a network of 16 branches spread across Wayne, Onondaga, Yates, Ontario, Monroe, Seneca, and Cayuga counties in New York. Founded in 1852, Lyons Bancorp Inc. is headquartered in Lyons, New York.

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
USD54.50 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
443
Beta
-0.13
Float Shares
2.30M
Free Float %
67.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.27% +0.33% +0.33% +13.71% +8.87% +27.10% +2.34% +13.71% +66.41% +3,311.33%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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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
54.50
DCF (Unlevered) 203.44 +273.3%
DCF (Levered) 224.04 +311.1%

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
Altman Z-Score
0.25
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
4 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    -26.6% Q1'26: +20.7% (vs Q1'25)
  • EPS growth
    +40.6% Q1'26: +30.4% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +36.0% (vs Q1'25)
  • ROIC
    Q1'26: +14.9% (vs Q1'25)
  • Share dilution
    -0.3% Q1'26: -0.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.68× (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 (-0.12) × ERP
WACC = 90% × Ke + 10% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 203.44 Current price: 54.50
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
2026-05-28 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-26 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-18 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-15 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-13 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-12 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-06 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-05 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-04 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-30 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-29 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-28 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-27 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-24 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-23 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-22 A 4/5 4/5 5/5 4/5 2/5 4/5 3/5
2026-04-21 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
583.7K
OE per share TTM
0.17
Owner's Yield
0.34%
Maintenance CapEx ratio
20.15%
Maint CapEx / Avg PPE
36.5%

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

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
113.4K
Shares Outstanding
3.40M

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
Filing date Form type Filing
2022-05-17 1-Z
2022-04-29 1-K
2021-09-28 1-SA
2021-08-13 1-U
2021-08-09 253G1
2021-08-06 QUALIF
2021-08-04 CORRESP
2021-08-04 1-A/A
2021-07-19 UPLOAD
2021-07-09 1-A

Executive team

NameTitleCompensationGender
Clair J. Britt Jr. Executive Vice President, Chief Commercial Lending Officer & Director 147.0K male
Chad J. Proper Senior Vice President, Treasurer & Chief Financial Officer male
Danielle Ayers Vice President & Director of Human Resources
Jeffrey A. Friend Senior Vice President and Director of Branch & Market Development male
Joshua N. Miller Senior Vice President & Director of Retail Loans/Mortgage Division male
Robert S. Flowers Vice President, Director of Compliance & Legal Counsel
Robert W. Sollenne Senior Vice President & Chief Operating Officer male
Stephen V. DeRaddo Executive Vice President & Chief Experience Officer male
Barbara L. Hennessy Senior Vice President & Director of Marketing female
Todd F. Juffs Executive Vice President & Chief Technology/Cybersecurity 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 history

Earnings reports

Stock splits