LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:LB-PR-H - CA51925D8254
24.65 CAD
+0.04 (+0.16%)
We assign a fundamental rating of 3 out of 10 to LB-PR-H. LB-PR-H was compared to 24 industry peers in the Banks industry. LB-PR-H may be in some trouble as it scores bad on both profitability and health. LB-PR-H is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- LB-PR-H had positive earnings in the past year.
- In the past year LB-PR-H had a positive cash flow from operations.
- LB-PR-H had positive earnings in 4 of the past 5 years.
- Of the past 5 years LB-PR-H 4 years had a positive operating cash flow.
1.2 Ratios
- LB-PR-H's Return On Assets of 0.25% is on the low side compared to the rest of the industry. LB-PR-H is outperformed by 91.67% of its industry peers.
- With a Return On Equity value of 4.36%, LB-PR-H is not doing good in the industry: 91.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 4.36% | ||
| ROIC | N/A |
ROA(3y)0.18%
ROA(5y)0.21%
ROE(3y)3.21%
ROE(5y)3.81%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- LB-PR-H has a worse Profit Margin (12.76%) than 91.67% of its industry peers.
- In the last couple of years the Profit Margin of LB-PR-H has grown nicely.
- LB-PR-H does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.76% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.99%
PM growth 5Y4.05%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- LB-PR-H does not have a ROIC to compare to the WACC, probably because it is not profitable.
- LB-PR-H has more shares outstanding than it did 1 year ago.
- LB-PR-H has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for LB-PR-H is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of LB-PR-H is 63.04, which is on the high side as it means it would take LB-PR-H, 63.04 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of LB-PR-H (63.04) is worse than 66.67% of its industry peers.
- A Debt/Equity ratio of 6.78 is on the high side and indicates that LB-PR-H has dependencies on debt financing.
- The Debt to Equity ratio of LB-PR-H (6.78) is worse than 91.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.78 | ||
| Debt/FCF | 63.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for LB-PR-H have decreased strongly by -15.64% in the last year.
- Measured over the past 5 years, LB-PR-H shows a small growth in Earnings Per Share. The EPS has been growing by 0.68% on average per year.
- The Revenue has decreased by -3.39% in the past year.
- LB-PR-H shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.26% yearly.
EPS 1Y (TTM)-15.64%
EPS 3Y-16.57%
EPS 5Y0.68%
EPS Q2Q%-17.98%
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y-1.66%
Revenue growth 5Y0.26%
Sales Q2Q%-2.42%
3.2 Future
- Based on estimates for the next years, LB-PR-H will show a small growth in Earnings Per Share. The EPS will grow by 6.28% on average per year.
- The Revenue is expected to grow by 1.90% on average over the next years.
EPS Next Y5.37%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.88%
Revenue Next 2Y1.9%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.16, the valuation of LB-PR-H can be described as very reasonable.
- The rest of the industry has a similar Price/Earnings ratio as LB-PR-H.
- The average S&P500 Price/Earnings ratio is at 27.21. LB-PR-H is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 7.75, the valuation of LB-PR-H can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of LB-PR-H is on the same level as its industry peers.
- LB-PR-H is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.16 | ||
| Fwd PE | 7.75 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of LB-PR-H indicates a somewhat cheap valuation: LB-PR-H is cheaper than 70.83% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.52
PEG (5Y)12.08
EPS Next 2Y6.28%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.71%, LB-PR-H is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 3.05, LB-PR-H pays a better dividend. On top of this LB-PR-H pays more dividend than 100.00% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.81, LB-PR-H pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.71% |
5.2 History
- The dividend of LB-PR-H decreases each year by -4.29%.
- LB-PR-H has been paying a dividend for at least 10 years, so it has a reliable track record.
- LB-PR-H has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-4.29%
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
- 70.08% of the earnings are spent on dividend by LB-PR-H. This is not a sustainable payout ratio.
DP70.08%
EPS Next 2Y6.28%
EPS Next 3YN/A
LAURENTIAN BANK OF CDA - LBCN 6.196 PERP / LB-PR-H.CA FAQ
What is the ChartMill fundamental rating of LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to LB-PR-H.CA.
What is the valuation status for LB-PR-H stock?
ChartMill assigns a valuation rating of 5 / 10 to LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA). This can be considered as Fairly Valued.
How profitable is LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) stock?
LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) has a profitability rating of 2 / 10.
What is the financial health of LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) stock?
The financial health rating of LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) is 0 / 10.
Is the dividend of LAURENTIAN BANK OF CDA - LBCN 6.196 PERP sustainable?
The dividend rating of LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) is 6 / 10 and the dividend payout ratio is 70.08%.