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Logansport Financial

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63
Banks · Financial Services
Exchange
Other OTC
Winston Score
63
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Mixed
Growth
Exceptional
Capital Strength
Strong
Asset Quality
Good
Valuation
Strong
Dividends
Good
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Winston Score History

The full picture

Logansport Financial Corp. is a small community bank holding company based in Logansport, Indiana. It operates through its subsidiary, Logansport Savings Bank, which offers everyday banking services like checking and savings accounts, mortgages, and loans to local residents and small businesses in the Cass County area of north-central Indiana.

The company makes money primarily through the traditional banking model — collecting deposits and lending that money out at higher interest rates, earning the difference as net interest income. It is a very small institution with a market cap near zero, meaning it serves a tight local market rather than competing nationally. Its main competitive advantage is deep community ties and local knowledge, but that also creates its biggest risk: the bank is heavily concentrated in one small geographic area, making it vulnerable to any economic slowdown specific to that region.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+89.8% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+22.4% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

5.8%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$264M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Logansport Financial grew revenue 90% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
9.9%
no trend
Below its cost of capital — 9.9%

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.55%
no trend
Wide spread — 3.55% net interest margin
Cost of running the bank
Efficiency Ratio
78.4%
no trend
Bloated cost base — 78.4% efficiency ratio

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Growth

Sales growth
Sales YoY
+20.5%
Fast-growing sales (+20.5% YoY)
Profit growth
EPS YoY
+41.8%
Earnings growing fast (+41.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
10.2%
no trend
Very well capitalised — 10.2% Tier-1 leverage

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid
Non-Performing Loans
2.70%
no trend
Elevated — 2.70% non-performing loans

Over 2% of loans are troubled. That is elevated and can eat into profits.

Loans written off
Net Charge-Offs
-0.37%
no trend
Minimal losses — -0.37% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
11.2x
no trend
Attractive valuation — P/E 11.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+2.1
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend
Dividend Yield
5.44%
no trend
Healthy income — 5.44% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record
Dividend Growth
+0.0%
no trend
Dividend flat

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