1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Lyons Bancorp Inc.

Lyons Bancorp Inc.

LYBC
Lyons Bancorp Inc.US flagOther OTC
53.77
USD
-1.23
- -
182.90MMarket Cap
Lyons Bancorp Inc.
LYBC
(Other OTC)

Recent

price

53.77

P/E

ratio

- -

div

yld

- -

ROIC.AI

2006
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.17
11.19
11.75
12.68
14.04
15.25
17.19
18.68
18.44
17.89
18.28
21.52
20.13
Revenue per Share
0.91
2.46
2.42
2.43
3.06
3.38
3.16
4.71
4.96
5
4.46
6.2
4.98
Basic EPS, GAAP
5.68
2.33
1.16
2.45
4.2
1.91
5.02
8.78
5.51
2.58
4.18
6.96
- -
Free Cash Flow per Basic Share
0.33
0.77
0.95
1.11
1.19
1.28
1.31
1.1
1.4
1.53
1.55
1.81
- -
Dividend per Share
6.16
16.57
17.21
18.58
20.61
22.67
24.68
27.56
29.7
33.72
36.72
41.29
- -
Book Value per Share
8.76
19.63
21.92
23.14
24.53
27.27
30.1
33.84
25.54
30.3
33.92
41.72
46.03
Tangible Book Value per Share
3
3
3
3
3
3
3
3
3
3
3
3
3
Basic Weighted Avg Shares
16
33
37
40
45
49
55
61
63
61
62
73
69
Sales/Revenue/Turnover
18.77
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
1
1
1
- -
Depreciation Expense
2
7
8
8
10
11
10
16
17
17
15
21
17
Net Income, GAAP
21.11
28.14
27.9
33.82
21.75
18.41
17.72
19.7
21.25
23.05
23.02
22.3
23.47
Effective Tax Rate (%)
14.81
22.02
20.59
19.8
22.38
22.67
18.84
25.65
27.28
28.36
24.78
29.13
25.09
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
8
9
6
6
6
6
21
21
21
21
21
16
- -
LT Debt
23
59
69
74
78
87
95
110
87
104
116
142
157
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
22.53
14.67
13.69
15.61
15.62
13.32
18.23
17.77
15.77
12.64
15.86
27.07
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
21
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
140
136
135

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
350
- -
- -
Accounts Receivable, Net
- -
- -
- -
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
9.9%
9.5%
22.55%
Free Cash Flow
36.43%
23.79%
65.73%
Net Income, GAAP
12.67%
17.98%
37.91%
Sales/Revenue/Turnover
8.29%
6.32%
17.3%
Total Cash Common Dividend
10.76%
9.92%
16.65%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15
15
16
18
62
2025
16
18
21
- -
73
2026
20
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.04
1.06
1.11
1.25
4.46
2025
1.17
1.45
2.02
- -
6.2
2026
1.55
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.55
2025
- -
- -
- -
- -
1.81
2026
- -
- -
- -
- -
- -
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Business
Lyons Bancorp Inc. is a financial holding company for The Lyons National Bank, a community-focused commercial bank serving individuals and small businesses primarily in Wayne, Onondaga, Ontario, Seneca, Monroe, Yates and Cayuga counties in central New York. The bank offers personal banking products including checking, savings, retirement, money market, HSA, club accounts and certificates of deposit; personal lending such as home improvement, recreational, personal, home equity loans and variable home equity lines of credit; business banking encompassing business checking, savings, retirement and account services; commercial and residential real estate loans for 1-4 family properties; agricultural real estate, commercial, agricultural and consumer installment loans; and financial services comprising retirement strategies, investment management, education savings, life insurance, long-term care insurance, employer and employee benefits. Lyons Bancorp, formed in August 1987 and headquartered at 35 William Street in Lyons, New York, traces its banking roots to 1852 through predecessor institutions that merged in 1933; its common stock trades over-the-counter under the ticker LYBC. In November 2025, the company announced a quarterly cash dividend of $0.43 per share payable January 2026, a special one-time dividend of $0.10 per share payable December 2025 and a share buyback plan authorizing up to $5 million in repurchases through December 2026, funded by internally generated capital to support shareholder value and long-term growth.