LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) Fundamental Analysis & Valuation

TSX:LB-PR-H • CA51925D8254

Current stock price

24.95 CAD
-0.01 (-0.04%)
Last:

This LB-PR-H.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. LB-PR-H.CA Profitability Analysis

1.1 Basic Checks

  • LB-PR-H had positive earnings in the past year.
  • LB-PR-H had a negative operating cash flow in the past year.
  • Of the past 5 years LB-PR-H 4 years were profitable.
  • Of the past 5 years LB-PR-H 4 years had a positive operating cash flow.
LB-PR-H.CA Yearly Net Income VS EBIT VS OCF VS FCFLB-PR-H.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B

1.2 Ratios

  • LB-PR-H's Return On Assets of 0.13% is on the low side compared to the rest of the industry. LB-PR-H is outperformed by 91.67% of its industry peers.
  • LB-PR-H has a Return On Equity of 2.35%. This is amonst the worse of the industry: LB-PR-H underperforms 91.67% of its industry peers.
Industry RankSector Rank
ROA 0.13%
ROE 2.35%
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
LB-PR-H.CA Yearly ROA, ROE, ROICLB-PR-H.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6 8

1.3 Margins

  • LB-PR-H has a Profit Margin of 6.74%. This is amonst the worse of the industry: LB-PR-H underperforms 91.67% 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 RankSector Rank
OM N/A
PM (TTM) 6.74%
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
LB-PR-H.CA Yearly Profit, Operating, Gross MarginsLB-PR-H.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15 20

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0

2. LB-PR-H.CA Health Analysis

2.1 Basic Checks

  • LB-PR-H does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for LB-PR-H has been increased compared to 1 year ago.
  • The number of shares outstanding for LB-PR-H has been increased compared to 5 years ago.
  • Compared to 1 year ago, LB-PR-H has a worse debt to assets ratio.
LB-PR-H.CA Yearly Shares OutstandingLB-PR-H.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
LB-PR-H.CA Yearly Total Debt VS Total AssetsLB-PR-H.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • LB-PR-H has a Debt/Equity ratio of 6.42. This is a high value indicating a heavy dependency on external financing.
  • LB-PR-H's Debt to Equity ratio of 6.42 is on the low side compared to the rest of the industry. LB-PR-H is outperformed by 91.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.42
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.59%
LB-PR-H.CA Yearly LT Debt VS Equity VS FCFLB-PR-H.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LB-PR-H.CA Yearly Current Assets VS Current LiabilitesLB-PR-H.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. LB-PR-H.CA Growth Analysis

3.1 Past

  • The earnings per share for LB-PR-H have decreased strongly by -16.23% in the last year.
  • The Earnings Per Share has been growing slightly by 0.68% on average over the past years.
  • The Revenue has decreased by -2.37% 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)-16.23%
EPS 3Y-16.57%
EPS 5Y0.68%
EPS Q2Q%-16.67%
Revenue 1Y (TTM)-2.37%
Revenue growth 3Y-1.66%
Revenue growth 5Y0.26%
Sales Q2Q%1.12%

3.2 Future

  • LB-PR-H is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.11% yearly.
  • Based on estimates for the next years, LB-PR-H will show a small growth in Revenue. The Revenue will grow by 0.88% on average per year.
EPS Next Y0.68%
EPS Next 2Y3.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.49%
Revenue Next 2Y0.88%
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.
LB-PR-H.CA Yearly Revenue VS EstimatesLB-PR-H.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
LB-PR-H.CA Yearly EPS VS EstimatesLB-PR-H.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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4

4. LB-PR-H.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.63, the valuation of LB-PR-H can be described as very reasonable.
  • LB-PR-H's Price/Earnings ratio is in line with the industry average.
  • LB-PR-H is valuated cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 7.77, which indicates a rather cheap valuation of LB-PR-H.
  • 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.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.36, LB-PR-H is valued rather cheaply.
Industry RankSector Rank
PE 8.63
Fwd PE 7.77
LB-PR-H.CA Price Earnings VS Forward Price EarningsLB-PR-H.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LB-PR-H.CA Per share dataLB-PR-H.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates LB-PR-H does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)12.68
PEG (5Y)12.78
EPS Next 2Y3.11%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. LB-PR-H.CA Dividend Analysis

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 3.06, LB-PR-H pays a better dividend. On top of this LB-PR-H pays more dividend than 91.67% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, LB-PR-H pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.67%

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.
  • As LB-PR-H did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)-4.29%
Div Incr Years2
Div Non Decr Years5
LB-PR-H.CA Yearly Dividends per shareLB-PR-H.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 136.41% of the earnings are spent on dividend by LB-PR-H. This is not a sustainable payout ratio.
DP136.41%
EPS Next 2Y3.11%
EPS Next 3YN/A
LB-PR-H.CA Yearly Income VS Free CF VS DividendLB-PR-H.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B
LB-PR-H.CA Dividend Payout.LB-PR-H.CA Dividend Payout, showing the Payout Ratio.LB-PR-H.CA Dividend Payout.PayoutRetained Earnings

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LB-PR-H.CA Fundamentals: All Metrics, Ratios and Statistics

LAURENTIAN BANK OF CDA - LBCN 6.196 PERP

TSX:LB-PR-H (4/30/2026, 7:00:00 PM)

24.95

-0.01 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength48.44
Industry Growth91.79
Earnings (Last)02-27
Earnings (Next)05-29
Inst Owners22%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap1.12B
Revenue(TTM)985.59M
Net Income(TTM)66.41M
Analysts41.54
Price Target24.6 (-1.4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.67%
Yearly Dividend1.99
Dividend Growth(5Y)-4.29%
DP136.41%
Div Incr Years2
Div Non Decr Years5
Ex-Date03-09
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-11.03%
Min EPS beat(2)-12.55%
Max EPS beat(2)-9.5%
EPS beat(4)1
Avg EPS beat(4)-4.64%
Min EPS beat(4)-12.55%
Max EPS beat(4)4.33%
EPS beat(8)1
Avg EPS beat(8)-2.63%
EPS beat(12)3
Avg EPS beat(12)-3.48%
EPS beat(16)5
Avg EPS beat(16)-1.59%
Revenue beat(2)0
Avg Revenue beat(2)-2.97%
Min Revenue beat(2)-4.48%
Max Revenue beat(2)-1.47%
Revenue beat(4)0
Avg Revenue beat(4)-3.29%
Min Revenue beat(4)-4.48%
Max Revenue beat(4)-1.47%
Revenue beat(8)0
Avg Revenue beat(8)-2.73%
Revenue beat(12)0
Avg Revenue beat(12)-3.15%
Revenue beat(16)1
Avg Revenue beat(16)-3.17%
PT rev (1m)0.63%
PT rev (3m)0.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.2%
EPS NY rev (1m)-3.26%
EPS NY rev (3m)-4.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.39%
Valuation
Industry RankSector Rank
PE 8.63
Fwd PE 7.77
P/S 1.13
P/FCF N/A
P/OCF N/A
P/B 0.4
P/tB 0.42
EV/EBITDA N/A
EPS(TTM)2.89
EY11.58%
EPS(NY)3.21
Fwd EY12.87%
FCF(TTM)-9.78
FCFYN/A
OCF(TTM)-8.94
OCFYN/A
SpS22.01
BVpS63.02
TBVpS59.37
PEG (NY)12.68
PEG (5Y)12.78
Graham Number64.0138 (156.57%)
Profitability
Industry RankSector Rank
ROA 0.13%
ROE 2.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 6.74%
GM N/A
FCFM 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
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-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 6.42
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 69.59%
Cap/Sales 3.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC5.59%
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)-16.23%
EPS 3Y-16.57%
EPS 5Y0.68%
EPS Q2Q%-16.67%
EPS Next Y0.68%
EPS Next 2Y3.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.37%
Revenue growth 3Y-1.66%
Revenue growth 5Y0.26%
Sales Q2Q%1.12%
Revenue Next Year0.49%
Revenue Next 2Y0.88%
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 1Y-420.82%
FCF growth 3Y-25.71%
FCF growth 5Y-12.26%
OCF growth 1Y-736.6%
OCF growth 3Y-24.78%
OCF growth 5Y-11.39%

LAURENTIAN BANK OF CDA - LBCN 6.196 PERP / LB-PR-H.CA Fundamental Analysis 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 2 / 10 to LB-PR-H.CA.


Can you provide the valuation status for LAURENTIAN BANK OF CDA - LBCN 6.196 PERP?

ChartMill assigns a valuation rating of 4 / 10 to LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA). This can be considered as Fairly Valued.


Can you provide the profitability details for LAURENTIAN BANK OF CDA - LBCN 6.196 PERP?

LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) has a profitability rating of 2 / 10.


What is the valuation of LAURENTIAN BANK OF CDA - LBCN 6.196 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) is 8.63 and the Price/Book (PB) ratio is 0.4.


How financially healthy is LAURENTIAN BANK OF CDA - LBCN 6.196 PERP?

The financial health rating of LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) is 0 / 10.