Lake Ridge Bancorp Inc. (LRBI) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Lake Ridge Bancorp Inc. $181, price $155, upside +16.6%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Lake Ridge Bancorp Inc.
LRBI · USUndervaluedThe stock appears undervalued with acceptable quality.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $85.87 – $169.00 · fair‑value band $135.59 – $225.98 · the $155.00 price screens below the $180.79 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
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.
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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 deposit capture services. It operates in Dane, Rock, Sauk, and Green counties in Wisconsin. The company was formerly known as S.B.C.P. Bancorp, Inc and changed its name to Lake Ridge Bancorp Inc. in October 2022. Lake Ridge Bancorp Inc. was founded in 1908 and is based in Monona, Wisconsin.
Stock analysis
Lake Ridge Bancorp Inc. (LRBI) currently trades at $155.00, while our model-based Fair Value estimate is $180.79, implying the stock looks roughly 14.3% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $189.68 per share, and 2 of the 4 models we run sit above the $155.00 price.
Bear case: the Asset-Based group reads lowest at $101.93, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $135.59 (bear) to $225.98 (bull), the price of $155.00 sits inside 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 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Lake Ridge Bancorp Inc. reported revenue of $112M in FY2025 versus $71.7M in FY2021, a compound +11.9%/yr. Reported net income was $28.7M in FY2025, compounding +12.8%/yr from FY2021.
Key figures
Market cap $305M · P/E ratio 9.9 · P/S ratio 2.53 · EPS (TTM) $15.63 · Dividend yield 1.3% · Net margin 25.5% · Return on equity 10.2% · Return on assets 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 45% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 17%, LRBI screens cheaper than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 79
Revenue & earnings trend
Growth Forecast
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Compare Lake Ridge Bancorp Inc. with another stock
Price, fair value, quality and upside side by side.
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 · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.48 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.20 | HK$62.32 | +22% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Intesa Sanpaolo S.p.A ISP | €6.72 | €4.04 | −40% |
| Mizuho Financial Group MFG | $10.56 | $6.79 | −36% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| HDFC Bank Limited HDFCBANK | ₹728.90 | ₹406.44 | −44% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Lake Ridge Bancorp Inc.
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