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

TSX:LB-PR-H • CA51925D8254

25 CAD
+0.09 (+0.36%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall LB-PR-H gets a fundamental rating of 3 out of 10. We evaluated LB-PR-H against 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.


Dividend Valuation Growth Profitability Health

2

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.
  • 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

  • Looking at the Return On Assets, with a value of 0.25%, LB-PR-H is doing worse than 91.67% of the companies in the same industry.
  • The Return On Equity of LB-PR-H (4.36%) is worse than 91.67% of its industry peers.
Industry RankSector 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
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

  • The Profit Margin of LB-PR-H (12.76%) is worse than 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) 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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

0

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.
  • The number of shares outstanding for LB-PR-H has been increased compared to 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.
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 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's Debt to FCF ratio of 63.04 is in line compared to the rest of the industry. LB-PR-H outperforms 41.67% of its industry peers.
  • LB-PR-H has a Debt/Equity ratio of 6.78. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 6.78, LB-PR-H is doing worse than 91.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 6.78
Debt/FCF 63.04
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. Growth

3.1 Past

  • The earnings per share for LB-PR-H have decreased strongly by -15.64% in the last year.
  • LB-PR-H shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.68% yearly.
  • Looking at the last year, LB-PR-H shows a decrease in Revenue. The Revenue has decreased by -3.39% in the last 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

  • The Earnings Per Share is expected to grow by 6.28% on average over the next years.
  • LB-PR-H is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.66% yearly.
EPS Next Y5.37%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.88%
Revenue Next 2Y1.66%
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.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • LB-PR-H is valuated reasonably with a Price/Earnings ratio of 8.28.
  • The rest of the industry has a similar Price/Earnings ratio as LB-PR-H.
  • LB-PR-H is valuated cheaply when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 7.86, the valuation of LB-PR-H can be described as very cheap.
  • The rest of the industry has a similar Price/Forward Earnings ratio as LB-PR-H.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, LB-PR-H is valued rather cheaply.
Industry RankSector Rank
PE 8.28
Fwd PE 7.86
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

  • 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 79.17% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.27
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 20 40 60

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)1.54
PEG (5Y)12.25
EPS Next 2Y6.28%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • LB-PR-H has a Yearly Dividend Yield of 6.22%, which is a nice return.
  • LB-PR-H's Dividend Yield is rather good when compared to the industry average which is at 3.22. LB-PR-H pays more dividend than 100.00% of the companies in the same industry.
  • LB-PR-H's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 6.22%

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
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

  • 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
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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Find the best dividend stocksShow peers with best dividend

LAURENTIAN BANK OF CDA - LBCN 6.196 PERP

TSX:LB-PR-H (2/27/2026, 7:00:00 PM)

25

+0.09 (+0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-27
Earnings (Next)05-28
Inst Owners21.12%
Inst Owner ChangeN/A
Ins Owners0.23%
Ins Owner ChangeN/A
Market Cap1.12B
Revenue(TTM)983.67M
Net Income(TTM)125.50M
Analysts42.86
Price Target24.45 (-2.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.22%
Yearly Dividend1.99
Dividend Growth(5Y)-4.29%
DP70.08%
Div Incr Years1
Div Non Decr Years4
Ex-Date03-09
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)-0.04%
PT rev (3m)8.96%
EPS NQ rev (1m)-1.76%
EPS NQ rev (3m)-6.72%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.29%
Revenue NQ rev (1m)-0.49%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.1%
Valuation
Industry RankSector Rank
PE 8.28
Fwd PE 7.86
P/S 1.14
P/FCF 3.27
P/OCF 2.93
P/B 0.39
P/tB 0.41
EV/EBITDA N/A
EPS(TTM)3.02
EY12.08%
EPS(NY)3.18
Fwd EY12.73%
FCF(TTM)7.65
FCFY30.6%
OCF(TTM)8.54
OCFY34.17%
SpS22.01
BVpS64.48
TBVpS60.41
PEG (NY)1.54
PEG (5Y)12.25
Graham Number66.19
Profitability
Industry RankSector 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 RankSector 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
WACC5.59%
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)-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 2Y1.66%
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 6 / 10 and the dividend payout ratio is 70.08%.