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Lewis & Clark Bancorp (LWCL) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Lewis & Clark Bancorp $1.58, price $8.00, upside -80.3%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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LC
Thin data
Sep 23, 2026
Thin data
Sep 23, 2026
Lewis & Clark Bancorp
LWCL · USStructural break: The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.
Weakest SetupStrongly overvalued and low quality.
!Fair value $1.58 · Strongly overvalued (−80%)
!Quality 46/100
!Mixed Growth (revenue YoY +182.7 %/yr)
!Loss over the last twelve months · -35.7% net margin (TTM) · fiscal year 2024 0.3%
!negative free cash flow
!Trails peers (2/11)
!Narrow moat 15/100
!Evidence only low, so the estimate is less certain
!The models disagree: range $0.7200 to $2.65
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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
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 $6.15 – $43.25 · fair‑value band $0.7200 – $2.65 · the $8.00 price screens above the $1.58 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
Lewis & Clark Bancorp operates as the holding company for Lewis & Clark Bank that provides various commercial banking products and services. The company was founded in 2006 and is headquartered in Oregon City, Oregon.
Stock analysis
Lewis & Clark Bancorp (LWCL) currently trades at $8.00, while our model-based Fair Value estimate is $1.58, implying the stock looks roughly 406.3% overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $1.14 per share, and 2 of the 6 models we run sit above the $8.00 price.
Bear case: the Multiples group reads lowest at $0.7200, and 4 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.7200 (bear) to $2.65 (bull), the price of $8.00 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 46/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Lewis & Clark Bancorp reported revenue of $19.9M in FY2024 versus $13.5M in FY2020, a compound +10.3%/yr. Reported net income was $59.0K in FY2024, compounding −56.0%/yr from FY2020.
Key figures
Market cap $8.5M · P/E ratio 160.0 · P/S ratio 0.47 · EPS (TTM) $0.0500 · Net margin 0.3% · Return on equity −8.2% · Return on assets (EBIT) 0.9% · Operating margin 7.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 29 out of 100 (low confidence).
What moves the price
The share trades about 82% below its 52-week high and 30% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −80%, LWCL screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely ($0.7200 to $20.84). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear $0.7200
Fair Value $1.58
Bull $2.65
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2024 figures (about 12 months old). Earnings retained since then ($0.0500 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.
Evidence ⓘEvidence = 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.
Highest evidence
Residual Income
$20.52
$18.89
$12.37
76
Gordon GGM
$0.6600
$1.32
$2.00
67
DDM Multi-Stage
$0.6600
$1.14
$1.39
67
All 6 models by family
Dividend Discount
Gordon GGM
$0.6600
$1.32
$2.00
67
DDM Multi-Stage
$0.6600
$1.14
$1.39
67
Multiples
P/E Multiple
$0.5400
$0.7200
$0.9000
63
P/B Multiple
$0.7100
$0.9400
$1.18
55
Asset-Based
NCAV (Graham)
$15.55
$20.84
$31.11
51
Economic Profit
Residual Income
$20.52
$18.89
$12.37
76
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Set up alert →Quality Score breakdown
Overall quality
46/100
Of which business quality 40 · Market factors (momentum, volatility) 39
Profitability
11
Margins and returns on capital today
Quality Growth
65
Are margins and returns improving?
Cashflow
0
Earnings quality: real cash, not paper profit
Fin. Strength
25
Balance sheet, leverage, solvency risk
Investment
100
Disciplined investing over empire-building
Low Volatility
50
Calm price path (market factor)
Momentum
53
Price trend over the last 3–12 months (market factor)
52W Momentum
3
Distance to the 52-week high (market factor)
Net Issuance
92
Share count: buybacks or dilution?
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.
50/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year (last 5 years) ⓘ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.
−50.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−50.2%
Dividend (yield on the price)0.0%
Profit margin 2019 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.25% → 0%
LWCL screens 406% overvalued. Compare with DBS Group →
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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 · 1076 stocks
Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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.
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 |
|---|---|---|---|
| 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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Frequently asked questions
Is Lewis & Clark Bancorp (LWCL) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $1.58 versus a price of $8.00, about −80% upside (overvalued).
What is the fair value of LWCL?
Our model-based fair value for Lewis & Clark Bancorp is $1.58 (as of Sep 23, 2026), built from audited fundamentals. The current price: $8.00.
What is the quality score of LWCL?
Lewis & Clark Bancorp has a Quality Score of 46/100. 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 Lewis & Clark Bancorp (LWCL)?
Our model-based price target is the fair value of $1.58 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $0.7200, optimistic scenario $2.65. It is a calculation from audited fundamentals, not an analyst target.
What is the Lewis & Clark Bancorp stock forecast for 2026?
Our models put fair value at $1.58, about −80% upside versus a price of $8.00 (overvalued). Cautious scenario $0.7200, optimistic scenario $2.65. The calculation is refreshed regularly with new filings.
What is the revenue of Lewis & Clark Bancorp (LWCL)?
Lewis & Clark Bancorp reported trailing-twelve-month revenue of about $7.1M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Lewis & Clark Bancorp (LWCL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lewis & Clark Bancorp it is $1.58 per share (as of Sep 23, 2026), against a price of $8.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Lewis & Clark Bancorp stock overvalued or undervalued in 2026?
As of Sep 23, 2026, LWCL trades above its calculated fair value: price $8.00, fair value $1.58, a gap of about −80% (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 LWCL?
No. The price is what the market pays today ($8.00); the fair value is what the company's own numbers justify ($1.58). For Lewis & Clark Bancorp the two are $6.42 per share apart. That gap is exactly why we show both numbers side by side.
How much is Lewis & Clark Bancorp worth?
The market values Lewis & Clark Bancorp at about $8.5M (market capitalisation, as of Sep 23, 2026). Per share that is $8.00; our models calculate a fair value of $1.58 per share.
What do the bullish and bearish scenarios say about LWCL?
Our models span a range for Lewis & Clark Bancorp: cautious scenario $0.7200, base $1.58, optimistic $2.65 per share (as of Sep 23, 2026, price $8.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LWCL?
Lewis & Clark Bancorp trades at a price-to-earnings ratio of 160.0 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.58 is built from several models across several years. Other multiples: P/B 0.3, P/S 1.2.
How solid is the balance sheet of Lewis & Clark Bancorp (LWCL)?
Balance-sheet figures for Lewis & Clark Bancorp (as of Sep 23, 2026): return on equity −8.2%. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is LWCL from its 52-week high?
Lewis & Clark Bancorp trades at $8.00, about 82% below its 52-week high of $43.25 and 30% above the low of $6.15 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $1.58 is for.
Which stocks are comparable to Lewis & Clark Bancorp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Lewis & Clark Bancorp stock attractive at the current price?
The data as of Sep 23, 2026: price $8.00, calculated fair value $1.58 (−80%), Quality Score 46/100, 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 LWCL calculated?
We run Lewis & Clark Bancorp through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $1.58, 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 14.0 % above its aggregate fair value. Lewis & Clark Bancorp 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 Lewis & Clark Bancorp (LWCL)?
The closing price on Sep 24, 2026 was $8.00. Our model-based fair value is $1.58, about −80% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lewis & Clark Bancorp right now?
The price sits above even our optimistic bull case ($2.65). The favourable scenario is already priced in. The model range is unusually wide ($0.7200 to $2.65). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Lewis & Clark Bancorp
How large is the market capitalisation of Lewis & Clark Bancorp (LWCL)?
The market capitalisation of Lewis & Clark Bancorp is $8.5M. 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 Lewis & Clark Bancorp (LWCL)?
The price-to-sales ratio of Lewis & Clark Bancorp is 0.47 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lewis & Clark Bancorp (LWCL)?
Earnings per share at Lewis & Clark Bancorp are $0.0500 (price ÷ EPS = P/E 160.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Lewis & Clark Bancorp (LWCL)?
The net margin of Lewis & Clark Bancorp is 0.3% (fiscal year 2024). 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 Lewis & Clark Bancorp (LWCL)?
The return on equity (ROE) of Lewis & Clark Bancorp is −8.2% (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 Lewis & Clark Bancorp (LWCL)?
On an EBIT basis the return on assets of Lewis & Clark Bancorp is 0.9% (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 Lewis & Clark Bancorp (LWCL)?
The operating margin of Lewis & Clark Bancorp is 7.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lewis & Clark Bancorp (LWCL)?
Revenue at Lewis & Clark Bancorp is growing −14.6% versus a year earlier (3y avg +8.6%). 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 Lewis & Clark Bancorp (LWCL)?
Earnings per share at Lewis & Clark Bancorp are growing −68.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Lewis & Clark Bancorp (LWCL) generate?
The free cash flow of Lewis & Clark Bancorp is −$3.4M (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Lewis & Clark Bancorp (LWCL) carry?
The net debt of Lewis & Clark Bancorp is $45.9M (fiscal year 2024). 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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