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Ledyard Financial Group
(OTC:LFGP)
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Rating:70Outperform
Price Target:
$24.50
▲(18.07% Upside)
Action:Upgraded
Date:07/31/26
The score is driven primarily by moderate financial quality: a strong 2025 profitability rebound and solid cash generation are tempered by a sharp revenue decline and higher leverage. Technicals add support due to a clear uptrend above key moving averages, while valuation is favorable with a moderate P/E and a ~3.78% dividend yield.
Positive Factors
Free cash flow coverage
Free 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.
Negative Factors
Higher leverage
Debt-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.
Read all positive and negative factors
Positive Factors
Negative Factors
Free cash flow coverage
Free 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.
Read all positive factors
Ledyard Financial Group (LFGP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$76.78M
Dividend Yield3.77%
Average Volume (3M)1.14K
Price to Earnings (P/E)11.0
Beta (1Y)0.19
Revenue Growth26.09%
EPS Growth45.72%
CountryUS
Employees120
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.02
Shares Outstanding3,447,889
10 Day Avg. Volume812
30 Day Avg. Volume1,144
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
Ledyard Financial Group Business Overview & Revenue Model
Company Description
Based in Hanover, New Hampshire, Ledyard Financial Group, Inc. serves as the parent organization for Ledyard National Bank. Founded in 1991, Ledyard National Bank operates as a comprehensive community financial institution, delivering a wide spect...
How the Company Makes Money
LFGP primarily earns revenue through (1) net interest income and (2) noninterest income. Net interest income is generated by lending activities: the bank collects interest and fees on loans (such as commercial and consumer loans) and on its invest...
Ledyard Financial Group Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
57
Neutral
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 47.06M | 43.29M | 54.86M | 42.61M | 31.97M | 34.33M |
| Gross Profit | 46.28M | 42.42M | 32.61M | 30.69M | 33.53M | 33.76M |
| EBITDA | 8.31M | 7.38M | 4.45M | 3.79M | 8.44M | 9.46M |
| Net Income | 6.76M | 6.03M | 3.26M | 3.17M | 6.98M | 7.77M |
Balance Sheet | ||||||
| Total Assets | 1.07B | 1.06B | 950.47M | 856.11M | 743.46M | 771.14M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 5.16M | 60.91M | 189.98M | 144.54M | 367.32M |
| Total Debt | 123.59M | 104.66M | 74.30M | 99.54M | 105.90M | 12.25M |
| Total Liabilities | 1.01B | 997.93M | 893.93M | 800.09M | 690.47M | 698.44M |
| Stockholders Equity | 64.88M | 62.81M | 56.54M | 56.02M | 53.00M | 72.71M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 8.04M | 5.50M | 1.71M | 5.66M | 9.83M |
| Operating Cash Flow | 0.00 | 9.36M | 8.13M | 2.27M | 7.98M | 10.39M |
| Investing Cash Flow | 0.00 | -68.70M | -81.03M | -102.91M | -84.58K | -117.58M |
| Financing Cash Flow | 0.00 | 98.88M | 89.42M | 110.45M | -8.50M | 76.32M |
Ledyard Financial Group Technical Analysis
Positive
20.75
Price Trends
18.62
Positive
17.71
Positive
16.31
Positive
Market Momentum
1.11
Negative
93.21
Negative
99.06
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LFGP, the sentiment is Positive. The current price of 20.75 is above the 20-day moving average (MA) of 20.67, above the 50-day MA of 18.62, and above the 200-day MA of 16.31, indicating a bullish trend. The MACD of 1.11 indicates Negative momentum. The RSI at 93.21 is Negative, neither overbought nor oversold. The STOCH value of 99.06 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LFGP.
Ledyard Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $93.24M | 4.39 | 16.39% | ― | 24.01% | 17.08% | |
76 Outperform | $71.29M | 11.39 | 10.42% | 2.53% | 7.71% | 60.72% | |
70 Outperform | $76.78M | 11.02 | 10.56% | 4.05% | 26.09% | 45.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $77.53M | 9.01 | 7.32% | 2.76% | 4.91% | 127.20% | |
58 Neutral | $50.78M | 16.45 | 5.66% | 1.30% | 3.83% | 59.54% |
* Financial Sector Average
LFGP
Ledyard Financial Group
22.25
9.15
69.86%
ASRV
Ameriserv Financial
4.62
1.82
64.71%
HFBL
Home Federal Bancorp Of Louisiana
23.30
10.21
78.00%
OPHC
Optimumbank Holdings
8.79
4.24
93.19%
TCBS
Texas Community
17.36
1.68
10.73%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.