Ledyard Financial Group, Inc.

Ledyard Financial Group, Inc.

LFGP
Ledyard Financial Group, Inc.US flagOther OTC
20.01
USD
+0.01
- -
68.99MMarket Cap
Ledyard Financial Group, Inc.
LFGP
(Other OTC)

Recent

price

20.01

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.63
6.71
6.77
7.44
7.48
7.68
8.24
8.9
9.15
10.08
10.36
9.17
9.51
- -
12.98
10.03
Revenue per Share
0.85
0.93
0.99
1.3
1.32
1.34
1.25
1.66
1.85
2.13
2.42
2.14
0.96
- -
1.81
0.98
Basic EPS, GAAP
2.28
1.48
1.9
0.8
2.19
2.29
1.62
2.35
2.43
2.32
3.06
1.74
0.52
- -
2.41
- -
Free Cash Flow per Basic Share
0.42
0.44
0.49
0.59
0.65
0.66
0.67
0.72
0.77
0.79
0.83
0.86
0.86
- -
0.87
- -
Dividend per Share
8.05
8.58
9.12
9.78
10.38
11.08
11.61
12.42
13.37
14.66
15.99
17.04
17.19
- -
18.42
17.6
Book Value per Share
12.09
12.49
12.59
13.77
14.33
13.96
15.16
15.59
17.85
21.18
22.62
16.25
16.99
- -
18.83
17.43
Tangible Book Value per Share
3
3
3
3
3
3
3
3
3
3
3
3
3
- -
3
3
Basic Weighted Avg Shares
20
20
21
23
23
24
25
28
29
32
33
30
31
33
43
33
Sales/Revenue/Turnover
- -
- -
19.09
22.33
22.51
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
1
1
1
1
1
1
1
2
1
1
1
1
1
- -
Depreciation Expense
3
3
3
4
4
4
4
5
6
7
8
7
3
3
6
3
Net Income, GAAP
22.22
22.05
23.29
21.63
21.52
19.61
26.17
13.07
12.72
7.72
8.36
6.88
- -
4.95
18.31
5.07
Effective Tax Rate (%)
12.86
13.9
14.64
17.5
17.67
17.49
15.17
18.61
20.22
21.14
23.31
23.35
10.09
10.04
13.93
9.81
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
20
10
15
14
14
20
14
16
30
7
6
106
100
49
105
49
LT Debt
37
38
38
42
44
43
47
48
56
67
73
53
56
58
63
58
Total Equity
- -
- -
5.97
7.27
7.12
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
11.19
11.19
13.81
13.16
12.52
11.02
13.86
14.42
15.23
15.9
13.05
5.64
5.82
10.07
5.67
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Jun'24
Sep'24
Dec'24
ST Debt
- -
- -
- -
LT Borrowings
50
50
49
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
46
46
51

Working Capital

FRC

in mil. unless spec.
Jun'24
Sep'24
Dec'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
- -
134
Accounts Receivable, Net
- -
- -
4
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.41%
-0.17%
8.74%
Free Cash Flow
21.1%
37.77%
47.67%
Net Income, GAAP
9.4%
7.32%
80.33%
Sales/Revenue/Turnover
6.93%
7.09%
29.94%
Total Cash Common Dividend
3.78%
3.09%
1.52%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8
8
9
8
33
2025
10
12
- -
- -
43
2026
12
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.22
0.22
- -
- -
2025
0.39
- -
- -
- -
1.81
2026
0.45
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
0.87
2026
- -
- -
- -
- -
- -
Business
Ledyard Financial Group, Inc. (LFGP) operates as the holding company for Ledyard National Bank, a community-focused financial institution that provides integrated retail and commercial banking, wealth management, and advisory services primarily in New Hampshire and Vermont with client reach extending to over 40 U.S. states and ten countries worldwide; core offerings include checking, savings, money market, health savings, and individual retirement accounts as well as certificates of deposit; personal mortgages, home equity loans and lines, express home, manufactured home, student, and consumer loans; business loans featuring healthcare banking, cash management, payroll services, small business checking, community first, and non-profit accounts; wealth advisory services encompassing investment management, financial planning, tax planning and preparation, insurance, family and charitable gifting, business succession, retirement planning, trustee services, estate planning, titling of assets, executor duties, durable power of attorney, wealth distribution, and online/mobile banking via the Onward digital hub and Narmi-powered platforms. Founded in 1991 and headquartered in Hanover, New Hampshire, the company maintains nine retail banking offices and emphasizes a unified OneLedyard model aligning banking, lending, and wealth services for personalized client experiences across its growth, client experience, and employee engagement pillars. Recent developments include the launch of a refreshed brand identity and expansion into southern New Hampshire with a new Bedford financial center in 2024; introduction of the Onward all-in-one digital banking hub and Narmi’s consumer/small business platforms; new specialized programs such as Healthcare Banking and participation in the Federal Home Loan Bank of Boston's Equity Builder Program for housing initiatives; key executive hires and promotions like Chief Digital Officer Robert Capozzoli, Chief Wealth Planning Officer Scott Coulter, Chief Credit Officer Jo-Ann Church, and multiple senior relationship managers; board appointments including Patrick M. Tufts and Willemien Dingemans Miller; and sustained recognition as a top publicly traded bank holding company, Best Bank to Work For by American Banker, and 5-Star Bauer rating.

Company News

APIChatGPT
  • Betsey Rhynhart Joins Board of Directors of Ledyard Financial Group

  • Ledyard Financial Group Earns $1.5 Million, or $0.44 Per Diluted Share, in Q1 2026, Declares Quarterly Cash Dividend of $0.21 Per Share

  • Ledyard Financial Group (OTCMKTS:LFGP) Stock Price Passes Below 50 Day Moving Average – Should You Sell?

  • Jennifer Williams Joins Board of Directors of Ledyard Financial Group, Inc.

  • Ledyard Financial Group, Inc. Announces Stock Repurchase Program

  • Ledyard Financial Group Earns $2.0 Million, or $0.59 Per Diluted Share, in Q4 2025, and $6.0 Million, or $1.81 Per Diluted Share, for the Full Year 2025, Declares Quarterly Cash Dividend of $0.21 Per Share

  • Ledyard Financial Group Reports Q3 2025 Earnings and Declares Quarterly Dividend

  • Ledyard Names Patrick Tufts to its Board of Directors

  • Ledyard Financial Group Reports Q2 2025 Earnings and Declares Quarterly Dividend

  • Ledyard Financial Group Reports Q1 2025 Earnings and Declares Quarterly Dividend

  • Ledyard Financial Group Reports Q4 2024 and Full-Year 2024 Earnings and Declares Quarterly Dividend

  • Ledyard Financial Group Reports Q3 2024 Earnings and Declares Quarterly Dividend

  • Ledyard Financial Group Reports Q1 2024 Earnings and Declares Quarterly Dividend

  • Ledyard Financial Group Reports Q4 2023 and Full-Year 2023 Earnings and Declares Quarterly Dividend

  • Ledyard Financial Group Reports Q3 2023 Earnings and Declares Quarterly Dividend

  • Ledyard Financial Group Reports Q2 2023 Earnings and Declares Quarterly Dividend

  • Ledyard Financial Group Declares Quarterly Dividend