Lyons Bancorp, Inc. : LYBC-US: Dividend Analysis : September 30th, 2017 (record date) : By the numbers : October 11, 2017

Our analysis is based on comparing Lyons Bancorp, Inc. with the following peers – First Busey Corporation, Fentura Financial, Inc., Mission Bancorp and Flushing Financial Corporation (BUSE-US, FETM-US, MSBC-US and FFIC-US).

Lyons Bancorp, Inc.’s dividend yield is 2.75 percent and its dividend payout is 41.84 percent. This compares to a peer median dividend yield of 2.25 percent and a payout level of 41.15 percent. This type of dividend performance might make it a good stock for dividend investors. In addition, the company’s relatively good dividend quality score of 67 out of a possible score of 100 points to some sustainability of its robust payout ratio, and underscores its attractiveness for dividend investors seeking current income.

Dividend Yield
Dividend Quality Score

Dividend Quality Overview

  • Dividends paid during each of the last five years were all of medium quality.
  • The ending cash balance, with a dividend coverage of 4.85x, provides a substantial cushion in case of a significant reduction of cash flows in the future.
Dividend Quality Score Vs Dividend Yield

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High Score;High Yield, High Score;Low Yield, Low Score;Low Yield, Low Score;High Yield

Dividend Coverage

Over the last twelve months (prior to December 31, 2016), LYBC-US paid a medium quality dividend.

The source of the company’s cash to support the dividend paid over the last twelve months is operating cash flow (coverage of 1.04x), investing cash flow (coverage of -29.51x), issuance cash flow (coverage of 30.35x) and twelve-month prior cash (coverage of 5.17x), for a total dividend coverage of 5.85x.

LYBC-US’s issuance cash flow includes outflows from net debt repayment (coverage of -0.71x).

Dividend Coverage by Cash Flow (TTM)

These coverage ratio factors imply that the firm’s net cash inflow from issuance was required (in addition to operating and investment cash) to pay the dividend, which suggests a medium dividend quality.

Dividend History

Item 2012-12-31 2013-12-31 2014-12-31 2015-12-31 2016-12-31 Latest
Dividend Yield (%) 4.25 2.49 3.12 2.47 2.95 2.75
Dividend Payout (%) 34.98 20.12 28.97 31.21 39.27 39.27

A complete list of metrics and analysis is available on the company page.

Company Profile

Lyons Bancorp, Inc. provides financial and banking services. It offers products within the personal and business banking realms, including direct deposit, online banking, Cash Manager, Remote Deposit Capture. The company was founded on August 4, 1987 is headquartered in Lyons, NY.


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