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LFGP Stock Chart & Stats
$22.18
$0.08(0.39%)
At close: 4:00 PM EDT
$22.18
$0.08(0.39%)
Day’s Range― - ―
52-Week Range$13.45 - $22.50
Previous CloseN/A
Volume300.00
Average Volume (3M)2.27K
Market Cap
$80.40M
Enterprise Value$185.65
Total Cash (Recent Filing)$0.00
Total Debt (Recent Filing)$123.59M
Price to Earnings (P/E)11.0
Beta0.21
Next Earnings
Oct 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.78%
Share Statistics
EPS (TTM)2.02
Shares Outstanding3,618,145
10 Day Avg. Volume559
30 Day Avg. Volume2,270
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)0.80
Price to Sales (P/S)1.16
P/FCF Ratio6.24
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Free Cash Flow CoverageFree cash flow covering ~86% of net income in 2025 is a durable strength: it supplies internal funding for lending and operations, supports dividends or reinvestment, and provides a buffer against credit losses. Strong recent FCF improves resilience and financial flexibility.
Profitability ReboundA rise in net margin to ~14% and ROE to ~9.6% represents a meaningful recovery in core earnings power. Sustained higher margins strengthen internal capital generation, enhance ability to absorb credit shocks, and give management greater latitude to fund growth or return capital over the medium term.
Revenue DiversificationA mix of net interest income and noninterest fee income (wealth management, trust/estate services) creates diversified revenue streams. This reduces dependence on a single cycle, supports fee stability, and enables cross-sell opportunities that can temper earnings volatility over time.
Bears Say
Higher LeverageDebt-to-equity rising to ~1.67 indicates materially higher leverage and reduced balance-sheet flexibility. Elevated leverage increases sensitivity to credit and earnings shocks, constrains capacity to absorb loan losses, and may force external funding needs or capital raises in adverse scenarios.
Sharp Revenue DeclineA ~-26% revenue drop in 2025, even alongside margin gains, raises durability concerns. Persistent top-line weakness can undermine earnings sustainability, indicate weaker loan or fee activity, and make recent profitability gains more vulnerable if revenue does not recover or stabilise.
Inconsistent Cash ConversionInconsistent cash-flow conversion—very weak operating cash flow coverage in 2023–2024 despite stronger 2025 FCF—adds uncertainty to capital planning. Variable cash generation complicates dividend sustainability, provisioning flexibility, and increases liquidity risk during downturns.
LFGP FAQ
What was Ledyard Financial Group Inc’s price range in the past 12 months?
Ledyard Financial Group Inc lowest stock price was $13.45 and its highest was $22.50 in the past 12 months.
What is Ledyard Financial Group Inc’s market cap?
Ledyard Financial Group Inc’s market cap is $80.40M.
When is Ledyard Financial Group Inc’s upcoming earnings report date?
Ledyard Financial Group Inc’s upcoming earnings report date is Oct 23, 2026 which is in 39 days.
How were Ledyard Financial Group Inc’s earnings last quarter?
Ledyard Financial Group Inc released its earnings results on Jul 24, 2026. The company reported $0.499 earnings per share for the quarter.
Is Ledyard Financial Group Inc overvalued?
According to Wall Street analysts Ledyard Financial Group Inc’s price is currently Overvalued.
Does Ledyard Financial Group Inc pay dividends?
Ledyard Financial Group Inc pays a Quarterly dividend of $0.21 which represents an annual dividend yield of 3.78%. See more information on Ledyard Financial Group Inc dividends here
What is Ledyard Financial Group Inc’s EPS estimate?
Ledyard Financial Group Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Ledyard Financial Group Inc have?
Ledyard Financial Group Inc has 3,618,145 shares outstanding.
What happened to Ledyard Financial Group Inc’s price movement after its last earnings report?
Ledyard Financial Group Inc reported an EPS of $0.499 in its last earnings report. Following the earnings report the stock price went up 2.724%.
Which hedge fund is a major shareholder of Ledyard Financial Group Inc?
Currently, no hedge funds are holding shares in LFGP
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Ledyard Financial Group Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
66.01%
12-Months-Change
Fundamentals
Return on Equity
3.78%
Trailing 12-Months
Asset Growth
7.81%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Ledyard Financial Group Inc
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. 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.
Technical Analysis
Ameriserv Financial
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Home Federal Bancorp Of Louisiana
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Optimumbank Holdings
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Texas Community
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Ownership Overview
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Insiders
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Mutual Funds
9.50% Other Institutional Investors
90.50% Public Companies and
Individual Investors