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Lake Ridge Bancorp Inc (LRBI) Fair Value & Analysis

Financial Services · US · Market cap $285M

Price$149.99
Fair Value$291.82
Upside+94.6%
Quality87/100
Evidence: Medium Range $218.87 – $364.78

Fair value as of: Jun 26, 2026

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Analysis

Lake Ridge Bancorp Inc (LRBI) currently trades at $149.99, while our model-based Fair Value estimate is $291.82 — implying the stock looks roughly 94.6% undervalued today. We read business quality at 87/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

About the company

Lake Ridge Bancorp Inc. operates as the bank holding company for Lake Ridge Bank that provides various financial services to individual and corporate customers. The company offers checking, savings, and money market accounts; and home equity line of credit and loans; and car, debt consolidation, and personal reserve accounts, as well as mortgages. It also provides small business loans and financing, commercial real estate and construction loans, business lines of credit, letters of credit, and land development loans, as well as leasing; and executive banking, investment management, and financial and retirement planning services. In addition, the company offers treasury management, employee retirement plans, trustee and estate services, and cash management services; and dairy and agriculture lending, crop insurance, planning and investing, insurance and risk management, and digital investing solutions, as well as debit and credit cards, online and mobile banking services, and remote …

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Frequently asked questions

Is Lake Ridge Bancorp Inc (LRBI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $291.82 versus a price of $149.99 — about +95% (undervalued). Model-based estimate, not financial advice.
What is the fair value of LRBI?
Our 21-model fair value for Lake Ridge Bancorp Inc is $291.82 (as of Jun 26, 2026), built from audited fundamentals. The current price is $149.99.
What is the quality score of LRBI?
Lake Ridge Bancorp Inc has a Quality Score of 87/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.