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Logansport Financial Corp (LOGN) Fair Value & Analysis

Financial Services · US · Market cap $19.8M

LF Logansport Financial Corp logo Logansport Financial Corp LOGN · US
Price$35.00
Fair Value$26.51
Upside-24.3%
Quality47/100
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Weak Growth
Highly profitable · 20.1% net margin
Low debt · negative free cash flow
4.20% dividend yield
Mixed vs. peers (6/12)
Moderate moat 51/100
Evidence: Medium Range $19.88 – $33.13 Share as image

Fair value as of: Jul 27, 2026

From 4 valuation models · updated 14 days ago

Share price +6.5% over the past month.

Below-average quality, and screening another 24% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case ($33.13). The favourable scenario is already priced in.
  • Solid but not exceptional quality (47/100) 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.
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Price vs Fair Value (5 years)

$36.84 $15.08 Fair Value $26.51 Jul 2015 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $15.08 – $36.84 · fair‑value band $19.88 – $33.13 · the $35.00 price screens above the $26.51 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

Logansport Financial Corp (LOGN) currently trades at $35.00, while our model-based Fair Value estimate is $26.51, implying the stock looks roughly 24.3% overvalued today. The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, Logansport Financial Corp generated revenue of $9.6M at a net margin of 20.1%. Revenue grew 18.4% year over year. It earns a return on equity of 8.8%. The stock trades on a trailing P/E of 11.2. Fundamentals as of Jul 27, 2026

Our scenario range runs from $19.88 (bear case) to $33.13 (bull case); at $35.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 28% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -24%, LOGN screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model 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. Evidence
Highest evidence
Residual Income $23.60 $23.42 $20.98 76
P/E Multiple $19.88 $26.51 $33.13 63
P/B Multiple $26.00 $34.66 $43.33 55
All 4 models by family
Multiples
P/E Multiple $19.88 $26.51 $33.13 63
P/B Multiple $26.00 $34.66 $43.33 55
Asset-Based
NCAV (Graham) $16.61 $22.26 $33.22 50
Economic Profit
Residual Income $23.60 $23.42 $20.98 76

Widest divergence: Multiples ($26.51) versus Asset-Based ($22.26). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) $9.6M
Revenue growth (YoY) +18.4%
Net margin 20.1%
Return on equity 8.8%
Free cash flow −$1.4M FY2024
P/E ratio 11.2
More key figures
Operating margin 24.3%
EPS (TTM) $2.87
Dividend yield 4.2%
EPS growth (YoY) +44.3%

Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 47/100

Of which business quality 39 · Market factors (momentum, volatility) 69

Profitability 25
Margins and returns on capital today
Quality Growth 52
Are margins and returns improving?
Cashflow 39
Earnings quality: real cash, not paper profit
Fin. Strength 6
Balance sheet, leverage, solvency risk
Investment 63
Disciplined investing over empire-building
Low Volatility 67
Calm price path (market factor)
Momentum 63
Price trend over the last 3–12 months (market factor)
52W Momentum 80
Distance to the 52-week high (market factor)
Net Issuance 80
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Logansport Financial Corp. operates as the holding company for Logansport Savings Bank that provides various banking products and services to individuals and businesses in Cass County, Indiana.

Full company description

Logansport Financial Corp. operates as the holding company for Logansport Savings Bank that provides various banking products and services to individuals and businesses in Cass County, Indiana. The company's personal banking products and services include checking accounts, rite accounts, NOW accounts, savings accounts, health savings accounts, certificates of deposit, and individual retirement accounts; mortgage, home equity lines of credit, home improvement, construction, commercial buildings, farm, consumer, education, and car loans, as well as loans for single family and multi-family dwellings; and overdraft, and internet and mobile banking services. It also provides business and commercial checking accounts, commercial savings accounts/certificates of deposit, money market accounts and certificates, commercial sweep accounts, ACH debit/credit capabilities, electric federal tax payment systems, remote banking and merchant card services, wires, coin services, night deposit bags, and remote deposit banking services. In addition, the company offers revolving or seasonal lines of credit, term loans for equipment, commercial real estate mortgages for expansion or acquisition, commercial letters of credit, and guaranteed loans, as well as agricultural loans. Logansport Financial Corp. was founded in 1925 and is based in Logansport, Indiana.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2020 – FY2024 · reported fiscal years

Logansport Financial Corp reported revenue of $8.2M in FY2024 versus $11.2M in FY2020, a compound −7.6%/yr. Reported net income was $1.3M in FY2024, compounding −24.8%/yr from FY2020.

Growth Quality 13/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2024)
$8.2M
Latest YoY
−1.1%
Avg. growth/yr (3Y) 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.
−7.3%
Avg. growth/yr (5Y) 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.
+1.3%
Avg. growth/yr (24Y) 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.
−0.7%
Revenue −7.6%/yr
FY20 $11.2M
FY21 $10.2M
FY22 $9.7M
FY23 $8.3M
FY24 $8.2M
Net income −24.8%/yr
FY20 $3.9M
FY21 $3.2M
FY22 $3.2M
FY23 $1.8M
FY24 $1.3M

LOGN screens 24% overvalued. Compare with PT Bank Central Asia Tbk →

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Cite: Fair Value Calculator (2026). "Logansport Financial Corp Fair Value". https://www.fairvalue-calculator.com/stock/LOGN

Peer Group

Banks - Regional · 1083 stocks

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.

Quality Score 44 · Bottom 25%
Fair Value upside −24% · Bottom 25%
Return on equity (TTM) 9% · Below median
Return on assets 1% · Below median
Net margin (TTM) 20% · Below median
Operating margin (TTM) 24% · Bottom 25%
Revenue growth 18% · Top 25%
Dividend yield (TTM) 4.2% · Top 25%

Valuation Multiples vs Banks - Regional median · lower = cheaper

P/E (TTM) 11.2× · Cheaper than median
P/B 0.97× · Cheaper than median
P/S (TTM) 2.06× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 1 · sector 39
FUTURE 92 · sector 44
PAST 35 · sector 41
HEALTH 100 · sector 85
DIVIDEND 84 · sector 49

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).

Stock Price Fair Value vs Fair Value
PT Bank Central Asia Tbk BBCA 6,175 IDR 6,087 IDR -1%
KB Financial Group 105560 184,400 KRW 213,797 KRW +16%
PT Bank Rakyat Indonesia (Persero) Tbk BBRI 2,970 IDR 4,891 IDR +65%
PT Bank Mandiri (Persero) Tbk BMRI 4,310 IDR 7,841 IDR +82%
Banco Bradesco S.A BBD 5,120 ARS 10,240 ARS +100%
Shinhan Financial Group 055550 107,900 KRW 137,259 KRW +27%
Hana Financial Group 086790 136,800 KRW 193,969 KRW +42%
Lloyds Banking Group LYG 4,138 ARS 8,275 ARS +100%
Banco de Chile, CHILE 193.10 CLP 152.55 CLP -21%
Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB 59,400 VND 84,201 VND +42%

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Frequently asked questions

Is Logansport Financial Corp (LOGN) overvalued or undervalued?
As of Jul 27, 2026, our model estimates a fair value of $26.51 versus a price of $35.00, about −24% (overvalued).
What is the fair value of LOGN?
Our model-based fair value for Logansport Financial Corp is $26.51 (as of Jul 27, 2026), built from audited fundamentals. The current price is $35.00.
What is the quality score of LOGN?
Logansport Financial Corp has a Quality Score of 47/100. 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 revenue of Logansport Financial Corp (LOGN)?
Logansport Financial Corp reported trailing-twelve-month revenue of about $9.6M (latest available figure, as of Jul 27, 2026).
What is the net profit margin of LOGN?
The net profit margin of Logansport Financial Corp is about 20.1%, meaning it keeps roughly 20.1% of revenue as net income. Based on the latest reported figures.
Does Logansport Financial Corp pay a dividend?
Logansport Financial Corp currently shows a dividend yield of about 4.20% relative to its recent price (as of Jul 27, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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