Luther Burbank's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Luther Burbank (LBC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Luther Burbank vs Its Competitors
- TTM: Trailing 12-month revenue of 119M vs 761M combined for tracked competitors (13.5% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-41.0% annualized vs trailing 12 months), vs decelerating (-20.4%) for its tracked peer group.
- Growth: Luther Burbank generated -61.1% revenue growth year over year in Q3 2023, vs -18.8% for its tracked competitors combined.
- Profitability: Its 10.8% net margin compares with 33.1% for the peer group.
- Peer revenue share: Luther Burbank accounted for 10.4% of combined revenue among its tracked peer group, down from 19.5% a year earlier.
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
LBC Sales vs. its Competitors, Q3 2023
Luther Burbank reported revenue contraction of 61.11 % year on year in Q3 2023, below its competitors' combined revenue change of -18.79 %.
With a net margin of 10.84 %, Luther Burbank reported lower profitability than its competitors (33.13 %).
Luther Burbank generated 10.40 % of the combined sales of its peer group, down from 19.51 % a year earlier.
Luther Burbank vs. its Competitors, Q3 2023
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Luther Burbank reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Luther Burbank and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Luther Burbank Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Luther Burbank's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs -61.1% for Luther Burbank. Luther Burbank's share of combined industry revenue moved from 0.03% to 0.01%, a loss of 0.02 percentage points.
Luther Burbank's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Luther Burbank Corp | Yes | No | No | Yes |
| Competitors combined (1) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
LBC Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Wafd Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Luther Burbank's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of Luther Burbank Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Luther Burbank Corp | 465.95 | 119.20 |
| Wafd Inc | 2,158.47 | 761.06 |
| SUBTOTAL | 2,624.41 | 880.27 |
Sources: Luther Burbank Corp's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Luther Burbank Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Luther Burbank's Competitors Named by the Company
Competitive relationships identified from Luther Burbank reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| U.S. Department of Treasury | Company report | 85% |
| Wafd Inc | Company report | 85% |
| Bank Of Marin Bancorp | Company report | 85% |
| Cvb Financial Corp | Company report | 85% |
| Heritage Commerce Corp | Company report | 85% |
| New Peoples Bankshares Inc | Company report | 85% |
| Pacific Premier Bancorp Inc | Company report | 85% |
| Western Alliance Bancorporation | Company report | 85% |
| Cu Bancorp | Company report | 85% |
| American River Bankshares | Company report | 85% |
| California Bancorp | Company report | 85% |
| First Foundation inc | Company report | 85% |
| First Western Financial Inc | Company report | 85% |
| Pcb Bancorp | Company report | 85% |
| Svb Financial Group | Company report | 85% |
| Baycom Corp | Company report | 85% |
| 1st Century Bancshares, Inc. | Company report | 85% |
| Bank Of Commerce Holdings | Company report | 85% |
| Community West Bancshares | Company report | 85% |
| Heartland Financial Usa Inc | Company report | 85% |
| Op Bancorp | Company report | 85% |
| Rbb Bancorp | Company report | 85% |
| Fcb Financial Holdings, Inc. | Company report | 85% |
| Banner Corporation | Company report | 85% |
| Cathay General Bancorp | Company report | 85% |
| Five Star Bancorp | Company report | 85% |
| Northern California Bancorp Inc | Company report | 85% |
| Pacific Capital Bancorp | Company report | 85% |
| Trico Bancshares | Company report | 85% |
| Cnb Corp | Company report | 85% |
| Heritage Oaks Bancorp | Company report | 85% |
| Sierra Bancorp | Company report | 85% |
| East West Bancorp inc | Company report | 85% |
| Mechanics Bancorp | Company report | 85% |
| Oak Valley Bancorp | Company report | 85% |
| River Financial Corporation | Company report | 85% |
| Avidbank Holdings Inc | Company report | 85% |
| First Choice Bancorp | Company report | 85% |
Company report basis, confidence, active dates and source counts for Luther Burbank's named competitors require a Commercial License.
Methodology: relationships are extracted from Luther Burbank reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
Luther Burbank's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Luther Burbank Corp | 466 | - | - |
| Wafd Inc | 2,158 | 903,874 | 304,597 |
| PEERS TOTAL | 2,158 | 903,874 | 304,597 |
Luther Burbank's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 13.1x | - | - |
| EV / EBITDA | 3.9x | - | - |
| P/B | 0.7x | - | - |
| Return on Equity | 5.19 % | industry aggregate | -8.11 % |
| Return on Invested Capital | 0.58 % | 4.16 % (avg) | -3.58 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Luther Burbank's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|
| Revenue Growth | - | - | 40.24 % | -2.94 % |
| Operating Margin | - | - | - | - |
| Return on Invested Capital | - | 2.71 % | 7.57 % | 1.36 % |
| P/E | - | 13.1x | 8.3x | 7.5x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Luther Burbank's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.68 % vs industry average 2.34 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Luther Burbank's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Luther Burbank's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Luther Burbank's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Return on equity 8.1 points below the industry aggregate.
- Latest-quarter revenue run-rate is decelerating (-41.0% annualized vs trailing 12 months).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 11.9% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-20.4% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Luther Burbank's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Luther Burbank Corp | - | 1.11 | 0.09 |
| Wafd Inc | 0.03 | 0.04 | 0.83 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Luther Burbank's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Luther Burbank Corp | Q3 2023 | -61.1 % | -90.9 % |
| Wafd Inc | Q2 2026 | +5.6 % | +6.7 % |
| PEERS TOTAL | -7.6 % | -18.0 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Luther Burbank's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Luther Burbank Corp | Q3 2023 | +500.2 % | -45.4 % |
| Wafd Inc | Q2 2026 | - | +40.2 % |
Luther Burbank's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Luther Burbank Corp | 0.44% | 0.44% | 5.19% |
| Wafd Inc | 0.94% | 2.35% | 8.49% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Luther Burbank's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Luther Burbank Corp | 12.87 | 3.91 |
| Wafd Inc | 9.22 | 2.84 |
| PEERS AVERAGE | 8.97 | 2.98 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.