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Ledyard Financial Group (LFGP) Price & Analysis

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LFGP Stock Chart & Stats

$22.18

$0.08(0.39%)

At close: Jul 27 4:00 PM EDT

$22.18

$0.08(0.39%)

Day’s Range― - ―

52-Week Range$13.47 - $22.50

Previous CloseN/A

Volume300.00

Average Volume (3M)1.94K

Market Cap

$79.38M

Enterprise Value$249.83M

Total Cash (Recent Filing)$0.00

Total Debt (Recent Filing)$123.59M

Price to Earnings (P/E)10.9

Beta0.23

Next Earnings

Jan 27, 2027

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield3.83%

Share Statistics

EPS (TTM)2.02

Shares Outstanding3,618,145

10 Day Avg. Volume1,909

30 Day Avg. Volume1,935

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 Cap3.15

Enterprise Value/Revenue5.31

Enterprise Value/Gross Profit5.40

Enterprise Value/Ebitda30.06

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

Profitability ReboundThe sharp improvement in net margin and operating profitability indicates that Ledyard converted a greater share of revenue into earnings in 2025. If maintained, stronger profitability can support capital formation, service investment, and resilience across the bank’s lending, deposit, and wealth-management activities.

Cash GenerationStrong 2025 cash generation and substantial free-cash-flow coverage of net income provide evidence that reported earnings were supported by cash rather than being purely accounting-based. This improves the company’s ability to fund operations, meet obligations, and support strategic or shareholder capital allocation.

Improved Returns On EquityHigher return on equity alongside relatively stable equity shows improved capital productivity compared with the prior year. For a bank holding company, better returns on its capital base can strengthen internal capital generation and support future lending and fee-based activities when earnings remain healthy.

Bears Say

Revenue VolatilityThe material 2025 revenue decline after two years of growth raises concerns about the durability and consistency of Ledyard’s earnings base. Greater revenue volatility can pressure profitability, limit the pace of balance-sheet expansion, and make results more sensitive to changes in lending and banking activity.

Higher LeverageIncreasing debt relative to equity reduces financial flexibility and leaves the company more exposed to credit, earnings, and funding swings. Higher leverage can constrain future capital allocation and make it harder to absorb weaker operating performance while maintaining lending and other banking activities.

Inconsistent Cash ConversionAlthough cash generation was strong in 2025, the history of weak operating cash-flow coverage in 2023–2024 shows that earnings have not converted into cash consistently. This variability makes internally generated funding less predictable and can complicate planning for capital needs and distributions.

LFGP FAQ

What was Ledyard Financial Group Inc’s price range in the past 12 months?

Ledyard Financial Group Inc lowest stock price was $13.47 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 $79.38M.

When is Ledyard Financial Group Inc’s upcoming earnings report date?

Ledyard Financial Group Inc’s upcoming earnings report date is Jan 27, 2027 which is in 87 days.

How were Ledyard Financial Group Inc’s earnings last quarter?

Ledyard Financial Group Inc released its earnings results on Oct 30, 2026. The company reported $0.73 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. Get more investment ideas with TipRanks Premium

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 3.83%. 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 $0.73 in its last earnings report. Following the earnings report the stock price went up 4.826%.

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

Technicals

Fundamentals

Return on Equity

10.80%

Trailing 12-Months

Asset Growth

7.81%

Trailing 12-Months

Learn more about TipRanks Smart Score

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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.