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Ledyard Financial Group Inc (LFGP) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Ledyard Financial Group Inc stock $15.83, price $22.94, that is 31.0% below the price, quality 53 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

LF Ledyard Financial Group Inc logo Some data Nov 9, 2026

Ledyard Financial Group Inc

LFGP · US
Solid, but expensive

Our calculation puts a fair price 31% below what the stock costs today.

Solidly profitable · 15.8% net margin (TTM)
3.7% dividend yield · Low payout
Last quarter vs. a year ago: revenue +21%, profit +59%.
Quality 53/100
Mixed Growth (revenue 5y +6.3 %/yr in USD)
Moderate moat 50/100
Some data
Fair value $15.83 · Overvalued
Trails peers (5/13)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$22.94 $10.99 Fair Value $15.83 Nov 2018 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range $10.99 – $22.94 · fair‑value band $14.74 – $18.02 · the $22.94 price screens above the $15.83 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

Ledyard Financial Group, Inc. operates as the bank holding company for Ledyard National Bank that provides retail and commercial banking, and wealth advisory services in New Hampshire and Vermont. It operates in two segments, Banking and Wealth Advisory Services.

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The company offers checking, savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit.

It also provides personal mortgages and loans, including express home, manufactured home, student, and consumer loans; renter's advantage; home equity loans and lines; first-time homebuyers mortgages; and credit cards.

In addition, the company offers business loans comprising healthcare banking and credit cards; cash management, workplace banking program, and payroll services; and small business banking, community first, and non-profit checking account.

Further, it provides wealth management services that consist of investment management, banking, financial planning, tax planning and preparation, insurance, family gifting, charitable gifting, business succession, retirement planning, titling of assets, executor/trustee, durable power of attorney, distribution of wealth, and investment and insurance services.

Additionally, the company offers online and mobile banking, mobile wallet, and MoneyMap management services. Ledyard Financial Group, Inc. was founded in 1991 and is headquartered in Hanover, New Hampshire.

Stock analysis

Ledyard Financial Group Inc (LFGP) currently trades at $22.94, while our model-based Fair Value estimate is $15.83, 31% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $21.39 per share, and 0 of the 6 models we run sit above the $22.94 price.

Bear case: the Dividend Discount group reads lowest at $10.70, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $14.74 (bear) to $18.02 (bull), the price of $22.94 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Ledyard Financial Group Inc reported revenue of $43.3M in FY2025 versus $33.3M in FY2021, a compound +6.8%/yr. Reported net income was $6.0M in FY2025, compounding −6.1%/yr from FY2021.

Key figures

Market cap $79.4M Micro · P/E ratio 11.4 · P/S ratio 1.64 · EPS (TTM) $2.01 · Dividend yield 3.7% · Net margin 15.8% · Return on equity 12.4% · Return on assets (EBIT) 1.2% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (medium confidence).

What moves the price

The share trades at its 52-week high and 67% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −31%, LFGP screens richer than that median.

Fair Value models

Bear $14.74 Fair Value $15.83 Bull $18.02
Price $22.94 · Downside -31.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.00 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $14.74 $15.83 $17.84 76
Gordon GGM $6.35 $11.30 $15.39 68
DDM Multi-Stage $6.35 $10.09 $12.09 67
All 6 models by family
Dividend Discount
Gordon GGM $6.35 $11.30 $15.39 68
DDM Multi-Stage $6.35 $10.09 $12.09 67
Multiples
P/E Multiple $16.87 $22.50 $28.12 63
P/B Multiple $15.21 $20.28 $25.34 55
Asset-Based
NCAV (Graham) $9.01 $12.08 $18.02 54
Economic Profit
Residual Income $14.74 $15.83 $17.84 76

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Quality Score breakdown

Overall quality 53/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 26
How much profit the company makes from its sales and capital
Quality Growth 51
Are margins and returns getting better?
Cashflow 77
Do the profits arrive as real cash?
Financial strength 26
Debt, balance sheet and risk of trouble
Investment 68
Does it invest with discipline instead of growing at any price?
Low Volatility 97
How calm the share price moves, does not count
Price momentum 79
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 100
Distance to the 52-week high, does not count
New shares 69
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+29.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.3%
Start year 2020 (pandemic). Over 10 years: +6.5% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.7%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−3.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.9%
Dividend (yield on the price)3.7%
2025 sits 78% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

LFGP screens overvalued: fair value 31% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks

Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside −31.0% · Below median
Profitability
Return on equity (12 months) 12.4% · Above median
Return on assets 0.6% · Bottom 25%
Net margin (12 months) 15.8% · Bottom 25%
Operating margin (12 months) 23.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 21.0% · Top 25%
Dividend yield (12 months) 3.7% · Above median
Balance sheet
Debt / equity 1.67× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.4× · Pricier than median
P/B 1.26× · Pricier than median
P/S (12 months) 1.64× · Cheapest 25%
Price / free cash flow (fiscal year) 9.9× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)49 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)73 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs LFGP
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs LFGP
BNP Paribas SA BNP €91.93 €106.01 +15% vs LFGP
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs LFGP
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs LFGP
UniCredit S.p.A UCG €76.80 €50.44 −34% vs LFGP
Mizuho Financial Group MFG $9.40 $5.90 −37% vs LFGP
DBS Group D05 69.72 SGD 40.39 SGD −42% vs LFGP
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs LFGP
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs LFGP

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Ledyard Financial Group Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Ledyard Financial Group Inc Fair Value". https://www.fairvalue-calculator.com/stock/LFGP

Frequently asked questions

Is Ledyard Financial Group Inc (LFGP) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $15.83 versus a price of $22.94, about 31% lower (overvalued).
What is the fair value of LFGP?
Our model-based fair value for Ledyard Financial Group Inc is $15.83 (as of Nov 9, 2026), built from audited fundamentals. The current price: $22.94.
What is the quality score of LFGP?
Ledyard Financial Group Inc has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Ledyard Financial Group Inc (LFGP)?
Our model-based price target is the fair value of $15.83 (as of Nov 9, 2026) from 6 valuation models. Cautious scenario $14.74, optimistic scenario $18.02. It is a calculation from audited fundamentals, not an analyst target.
What is the Ledyard Financial Group Inc stock forecast for 2026?
Our models put fair value at $15.83, about 31% lower versus a price of $22.94 (overvalued). Cautious scenario $14.74, optimistic scenario $18.02. The calculation is refreshed regularly with new filings.
What is the revenue of Ledyard Financial Group Inc (LFGP)?
Ledyard Financial Group Inc reported trailing-twelve-month revenue of about $48.6M (latest available figure, as of Nov 9, 2026).
Does Ledyard Financial Group Inc pay a dividend?
Ledyard Financial Group Inc currently shows a dividend yield of 3.66% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Ledyard Financial Group Inc (LFGP) and when is the ex-dividend date?
Ledyard Financial Group Inc pays a dividend of $0.84 per share a year, a dividend yield of 3.7%. The next ex-dividend date is Nov 19, 2026. A dividend has been paid every year since at least 2007. The payout ratio is 41.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Ledyard Financial Group Inc (LFGP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ledyard Financial Group Inc it is $15.83 per share (as of Nov 9, 2026), against a price of $22.94. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Ledyard Financial Group Inc stock overvalued or undervalued in 2026?
As of Nov 9, 2026, LFGP trades above its calculated fair value: price $22.94, fair value $15.83, a gap of about −31% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LFGP?
No. The price is what the market pays today ($22.94); the fair value is what the company's own numbers justify ($15.83). For Ledyard Financial Group Inc the two are $7.11 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ledyard Financial Group Inc worth?
The market values Ledyard Financial Group Inc at about $79.4M (market capitalisation, as of Nov 9, 2026). Per share that is $22.94; our models calculate a fair value of $15.83 per share.
What do the bullish and bearish scenarios say about LFGP?
Our models span a range for Ledyard Financial Group Inc: cautious scenario $14.74, base $15.83, optimistic $18.02 per share (as of Nov 9, 2026, price $22.94). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LFGP?
Ledyard Financial Group Inc trades at a price-to-earnings ratio of 11.4 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.83 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 13.9. Other multiples: P/B 1.3, P/S 1.6.
How solid is the balance sheet of Ledyard Financial Group Inc (LFGP)?
Balance-sheet figures for Ledyard Financial Group Inc (as of Nov 9, 2026): return on equity 12.4%, debt of 1.67 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is LFGP from its 52-week high?
Ledyard Financial Group Inc trades at $22.94, at its 52-week high of $22.94 and 67% above the low of $13.74 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $15.83 is for.
Which stocks are comparable to Ledyard Financial Group Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Ledyard Financial Group Inc stock attractive at the current price?
The data as of Nov 9, 2026: price $22.94, calculated fair value $15.83 (−31%), Quality Score 53/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LFGP calculated?
We run Ledyard Financial Group Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $15.83 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Ledyard Financial Group Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Ledyard Financial Group Inc (LFGP)?
The closing price on Nov 6, 2026 was $22.94. Our model-based fair value is $15.83, about 31% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ledyard Financial Group Inc right now?
The price sits above even our optimistic bull case ($18.02). The favourable scenario is already priced in. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Ledyard Financial Group Inc

How large is the market capitalisation of Ledyard Financial Group Inc (LFGP)?
The market capitalisation of Ledyard Financial Group Inc is $79.4M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Ledyard Financial Group Inc (LFGP)?
The price-to-sales ratio of Ledyard Financial Group Inc is 1.64 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Ledyard Financial Group Inc (LFGP)?
Earnings per share at Ledyard Financial Group Inc are $2.01 (price ÷ EPS = P/E 11.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Ledyard Financial Group Inc (LFGP)?
The dividend yield of Ledyard Financial Group Inc is 3.7% (payout 41.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Ledyard Financial Group Inc (LFGP)?
The net margin of Ledyard Financial Group Inc is 15.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Ledyard Financial Group Inc (LFGP)?
The return on equity (ROE) of Ledyard Financial Group Inc is 12.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Ledyard Financial Group Inc (LFGP)?
On an EBIT basis the return on assets of Ledyard Financial Group Inc is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Ledyard Financial Group Inc (LFGP)?
The operating margin of Ledyard Financial Group Inc is 23.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ledyard Financial Group Inc (LFGP)?
Revenue at Ledyard Financial Group Inc is growing +21.0% versus a year earlier (3y avg +13.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Ledyard Financial Group Inc (LFGP)?
Earnings per share at Ledyard Financial Group Inc are growing +58.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ledyard Financial Group Inc (LFGP) generate?
The free cash flow of Ledyard Financial Group Inc is $8.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Ledyard Financial Group Inc (LFGP) carry?
The net debt of Ledyard Financial Group Inc is $21.5M (fiscal year 2025, ≈ 2.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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