USLM UNITED STATES LIME & MINERALS INC

Nasdaq Mining & Quarrying of Nonmetallic Minerals (No Fuels) TX CIK: 0000082020
AI RATING
BUY
72% Confidence

Investment Thesis

USLM is a financially fortress-like business with exceptional profitability (34.8% net margin), zero debt, and fortress-like liquidity ($383M cash), generating consistent free cash flow. However, net income growth stagnation despite 17.3% revenue growth signals margin compression, and critically low returns on equity (4.6%) and assets (4.3%) indicate poor capital deployment despite massive asset base and cash reserves.

Strengths

  • + Exceptional profit margins across all levels (gross 47.5%, operating 40.7%, net 34.8%) indicating pricing power and operational efficiency
  • + Balance sheet fortress: zero debt, $383.2M cash (53% of assets), current ratio 20.73x provides financial security and flexibility
  • + EPS growing 23.2% YoY despite flat net income, indicating active share buyback program or reduced share count
  • + Positive free cash flow generation ($13.7M FCF) with 15.6% FCF margin demonstrates operational cash generation capability

Risks

  • ! Net income flat (+0.0% YoY) despite 17.3% revenue growth signals margin compression and rising operational costs outpacing sales growth
  • ! Critical concern: ROE 4.6% and ROA 4.3% are extraordinarily low for a profitable company, indicating $661.2M equity and $713.8M assets are generating minimal returns
  • ! Massive cash position ($383.2M) relative to net income ($30.6M) suggests limited growth opportunities, poor capital allocation, or inability to deploy capital efficiently
  • ! Mining industry faces commodity price cyclicality risk; margins may not be sustainable if input costs spike or product demand contracts

Key Metrics to Watch

Financial Metrics

Revenue
87.8M
Net Income
30.6M
EPS (Diluted)
$1.06
Free Cash Flow
13.7M
Total Assets
713.8M
Cash
383.2M

Profitability Ratios

Gross Margin 47.5%
Operating Margin 40.7%
Net Margin 34.8%
ROE 4.6%
ROA 4.3%
FCF Margin 15.6%

Balance Sheet & Liquidity

Current Ratio
20.73x
Quick Ratio
19.40x
Debt/Equity
0.00x
Debt/Assets
7.4%
Interest Coverage
279.55x
Long-term Debt
0.0
Disclaimer: This analysis is generated by AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: 2026-05-06T16:37:03.772097 | Data as of: 2026-03-31 | Powered by Claude AI