LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:LB-PR-H - CA51925D8254
24.69 CAD
+0.15 (+0.61%)
LB-PR-H gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 22 industry peers in the Banks industry. Both the profitability and financial health of LB-PR-H have multiple concerns. 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.
LB-PR-H had a positive operating cash flow in the past year.
Of the past 5 years LB-PR-H 4 years were profitable.
LB-PR-H had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.25%, LB-PR-H is doing worse than 90.91% of the companies in the same industry.
LB-PR-H has a Return On Equity of 4.36%. This is amonst the worse of the industry: LB-PR-H underperforms 90.91% of its industry peers.
| 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
The Profit Margin of LB-PR-H (12.76%) is worse than 90.91% of its industry peers.
LB-PR-H's Profit Margin has improved in the last couple of years.
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.
Compared to 1 year ago, LB-PR-H has more shares outstanding
Compared to 5 years ago, LB-PR-H has more shares outstanding
The debt/assets ratio for LB-PR-H is higher compared to a year ago.
2.2 Solvency
LB-PR-H has a debt to FCF ratio of 63.04. This is a negative value and a sign of low solvency as LB-PR-H would need 63.04 years to pay back of all of its debts.
LB-PR-H has a Debt to FCF ratio of 63.04. This is in the lower half of the industry: LB-PR-H underperforms 72.73% 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.
LB-PR-H has a Debt to Equity ratio of 6.78. This is amonst the worse of the industry: LB-PR-H underperforms 90.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.78 | ||
| Debt/FCF | 63.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
LB-PR-H shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.64%.
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.
LB-PR-H shows a decrease in Revenue. In the last year, the revenue decreased by -3.39%.
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
The Earnings Per Share is expected to grow by 6.28% on average over the next years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.18, the valuation of LB-PR-H can be described as very reasonable.
Compared to the rest of the industry, the Price/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/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.76, 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.
The average S&P500 Price/Forward Earnings ratio is at 23.13. LB-PR-H is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.18 | ||
| Fwd PE | 7.76 |
4.2 Price Multiples
68.18% of the companies in the same industry are more expensive than LB-PR-H, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.22 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
LB-PR-H's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.52
PEG (5Y)12.1
EPS Next 2Y6.28%
EPS Next 3YN/A
5. Dividend
5.1 Amount
LB-PR-H has a Yearly Dividend Yield of 4.67%, which is a nice return.
Compared to an average industry Dividend Yield of 4.14, LB-PR-H pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, LB-PR-H pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
5.2 History
The dividend of LB-PR-H decreases each year by -4.29%.
LB-PR-H has paid a dividend for at least 10 years, which is 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
LB-PR-H pays out 70.08% of its income as dividend. 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
TSX:LB-PR-H (12/31/2025, 7:00:00 PM)
24.69
+0.15 (+0.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners21.03%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap1.10B
Revenue(TTM)983.67M
Net Income(TTM)125.50M
Analysts43.75
Price Target24.25 (-1.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
Yearly Dividend1.99
Dividend Growth(5Y)-4.29%
DP70.08%
Div Incr Years1
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.59%
Min EPS beat(2)-9.5%
Max EPS beat(2)4.33%
EPS beat(4)1
Avg EPS beat(4)-1.7%
Min EPS beat(4)-9.5%
Max EPS beat(4)4.33%
EPS beat(8)1
Avg EPS beat(8)-1.95%
EPS beat(12)3
Avg EPS beat(12)-2.44%
EPS beat(16)6
Avg EPS beat(16)-0.68%
Revenue beat(2)0
Avg Revenue beat(2)-3.96%
Min Revenue beat(2)-4.48%
Max Revenue beat(2)-3.44%
Revenue beat(4)0
Avg Revenue beat(4)-3.29%
Min Revenue beat(4)-4.48%
Max Revenue beat(4)-1.48%
Revenue beat(8)0
Avg Revenue beat(8)-2.73%
Revenue beat(12)0
Avg Revenue beat(12)-3.27%
Revenue beat(16)1
Avg Revenue beat(16)-3.18%
PT rev (1m)8.06%
PT rev (3m)9.71%
EPS NQ rev (1m)-5.04%
EPS NQ rev (3m)-5.04%
EPS NY rev (1m)-7.29%
EPS NY rev (3m)-7.29%
Revenue NQ rev (1m)-1.42%
Revenue NQ rev (3m)-1.42%
Revenue NY rev (1m)-2.1%
Revenue NY rev (3m)-2.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.18 | ||
| Fwd PE | 7.76 | ||
| P/S | 1.12 | ||
| P/FCF | 3.22 | ||
| P/OCF | 2.88 | ||
| P/B | 0.38 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.02
EY12.23%
EPS(NY)3.18
Fwd EY12.89%
FCF(TTM)7.67
FCFY31.08%
OCF(TTM)8.57
OCFY34.7%
SpS22.08
BVpS64.69
TBVpS60.6
PEG (NY)1.52
PEG (5Y)12.1
Graham Number66.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 4.36% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.76% | ||
| GM | N/A | ||
| FCFM | 34.75% |
ROA(3y)0.18%
ROA(5y)0.21%
ROE(3y)3.21%
ROE(5y)3.81%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.78 | ||
| Debt/FCF | 63.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 86.15% | ||
| Cap/Sales | 4.06% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 272.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC5.57%
ROIC/WACCN/A
Cap/Depr(3y)71.61%
Cap/Depr(5y)80.26%
Cap/Sales(3y)3.82%
Cap/Sales(5y)4.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-15.64%
EPS 3Y-16.57%
EPS 5Y0.68%
EPS Q2Q%-17.98%
EPS Next Y5.37%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y-1.66%
Revenue growth 5Y0.26%
Sales Q2Q%-2.42%
Revenue Next Year0.88%
Revenue Next 2Y1.9%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y111.32%
FCF growth 3Y-25.71%
FCF growth 5Y-12.26%
OCF growth 1Y92.03%
OCF growth 3Y-24.78%
OCF growth 5Y-11.39%
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 5 / 10 and the dividend payout ratio is 70.08%.