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

Canada - TSX:LB-PR-H - CA51925D8254

24.44 CAD
+0.14 (+0.58%)
Last: 9/23/2025, 7:00:00 PM
Fundamental Rating

2

Taking everything into account, LB-PR-H scores 2 out of 10 in our fundamental rating. LB-PR-H was compared to 26 industry peers in the Banks industry. Both the profitability and financial health of LB-PR-H have multiple concerns. LB-PR-H is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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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.
LB-PR-H had positive earnings in 4 of the past 5 years.
LB-PR-H had a positive operating cash flow in 4 of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.27%, LB-PR-H is doing worse than 92.31% of the companies in the same industry.
With a Return On Equity value of 4.72%, LB-PR-H is not doing good in the industry: 92.31% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.27%
ROE 4.72%
ROIC N/A
ROA(3y)0.24%
ROA(5y)0.21%
ROE(3y)4.34%
ROE(5y)3.72%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8

1.3 Margins

LB-PR-H has a worse Profit Margin (13.61%) than 92.31% of its industry peers.
The Operating Margin and Gross Margin are not available for LB-PR-H so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 13.61%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

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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.
Compared to 5 years ago, LB-PR-H has more shares outstanding
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

The Debt to FCF ratio of LB-PR-H is 32.36, which is on the high side as it means it would take LB-PR-H, 32.36 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of LB-PR-H (32.36) is worse than 80.77% of its industry peers.
LB-PR-H has a Debt/Equity ratio of 6.50. This is a high value indicating a heavy dependency on external financing.
LB-PR-H's Debt to Equity ratio of 6.50 is on the low side compared to the rest of the industry. LB-PR-H is outperformed by 92.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.5
Debt/FCF 32.36
Altman-Z N/A
ROIC/WACCN/A
WACC7.22%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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3

3. Growth

3.1 Past

The earnings per share for LB-PR-H have decreased strongly by -13.82% in the last year.
Measured over the past years, LB-PR-H shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.42% on average per year.
LB-PR-H shows a decrease in Revenue. In the last year, the revenue decreased by -2.48%.
Measured over the past years, LB-PR-H shows a small growth in Revenue. The Revenue has been growing by 1.01% on average per year.
EPS 1Y (TTM)-13.82%
EPS 3Y-7.82%
EPS 5Y-3.42%
EPS Q2Q%-11.36%
Revenue 1Y (TTM)-2.48%
Revenue growth 3Y0.52%
Revenue growth 5Y1.01%
Sales Q2Q%-3.78%

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 0.49% on average per year.
Based on estimates for the next years, LB-PR-H will show a small growth in Revenue. The Revenue will grow by 0.82% on average per year.
EPS Next Y-12.48%
EPS Next 2Y-1.38%
EPS Next 3Y0.49%
EPS Next 5YN/A
Revenue Next Year-2.87%
Revenue Next 2Y0.05%
Revenue Next 3Y0.82%
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 stable.
LB-PR-H.CA Yearly Revenue VS EstimatesLB-PR-H.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.69, which indicates a rather cheap valuation of LB-PR-H.
LB-PR-H's Price/Earnings ratio is a bit more expensive when compared to the industry. LB-PR-H is more expensive than 61.54% of the companies in the same industry.
When comparing the Price/Earnings ratio of LB-PR-H to the average of the S&P500 Index (27.41), we can say LB-PR-H is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.02, 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 indicates a slightly more expensive valuation: LB-PR-H is more expensive than 61.54% of the companies listed in the same industry.
LB-PR-H's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.
Industry RankSector Rank
PE 7.69
Fwd PE 7.02
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

Based on the Price/Free Cash Flow ratio, LB-PR-H is valued cheaper than 80.77% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.65
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.38%
EPS Next 3Y0.49%

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6

5. Dividend

5.1 Amount

LB-PR-H has a Yearly Dividend Yield of 6.32%, which is a nice return.
Compared to an average industry Dividend Yield of 4.04, 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.
LB-PR-H's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 6.32%

5.2 History

The dividend of LB-PR-H decreases each year by -4.14%.
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)-4.14%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

LB-PR-H pays out 64.28% of its income as dividend. This is not a sustainable payout ratio.
DP64.28%
EPS Next 2Y-1.38%
EPS Next 3Y0.49%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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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LAURENTIAN BANK OF CDA - LBCN 6.196 PERP

TSX:LB-PR-H (9/23/2025, 7:00:00 PM)

24.44

+0.14 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-29 2025-08-29/bmo
Earnings (Next)12-05 2025-12-05
Inst Owners22.49%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap1.08B
Analysts43.75
Price Target22.1 (-9.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.32%
Yearly Dividend1.95
Dividend Growth(5Y)-4.14%
DP64.28%
Div Incr Years1
Div Non Decr Years4
Ex-Date09-08 2025-09-08 (0.38725)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.76%
Min EPS beat(2)-0.81%
Max EPS beat(2)4.33%
EPS beat(4)1
Avg EPS beat(4)0.64%
Min EPS beat(4)-0.81%
Max EPS beat(4)4.33%
EPS beat(8)1
Avg EPS beat(8)-2.77%
EPS beat(12)4
Avg EPS beat(12)-1.4%
EPS beat(16)7
Avg EPS beat(16)0.7%
Revenue beat(2)0
Avg Revenue beat(2)-3.6%
Min Revenue beat(2)-3.76%
Max Revenue beat(2)-3.44%
Revenue beat(4)0
Avg Revenue beat(4)-2.85%
Min Revenue beat(4)-3.76%
Max Revenue beat(4)-1.48%
Revenue beat(8)0
Avg Revenue beat(8)-3.21%
Revenue beat(12)0
Avg Revenue beat(12)-3.39%
Revenue beat(16)1
Avg Revenue beat(16)-3.14%
PT rev (1m)-3.04%
PT rev (3m)1.62%
EPS NQ rev (1m)-3.3%
EPS NQ rev (3m)-19.91%
EPS NY rev (1m)0%
EPS NY rev (3m)-4%
Revenue NQ rev (1m)0.45%
Revenue NQ rev (3m)-4.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.68%
Valuation
Industry RankSector Rank
PE 7.69
Fwd PE 7.02
P/S 1.09
P/FCF 1.65
P/OCF 1.56
P/B 0.38
P/tB 0.41
EV/EBITDA N/A
EPS(TTM)3.18
EY13.01%
EPS(NY)3.48
Fwd EY14.25%
FCF(TTM)14.77
FCFY60.45%
OCF(TTM)15.66
OCFY64.07%
SpS22.34
BVpS64.44
TBVpS60.31
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.27%
ROE 4.72%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.61%
GM N/A
FCFM 66.14%
ROA(3y)0.24%
ROA(5y)0.21%
ROE(3y)4.34%
ROE(5y)3.72%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 6.5
Debt/FCF 32.36
Debt/EBITDA N/A
Cap/Depr 87.27%
Cap/Sales 3.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 486.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.22%
ROIC/WACCN/A
Cap/Depr(3y)82.94%
Cap/Depr(5y)75.57%
Cap/Sales(3y)4.5%
Cap/Sales(5y)4.36%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-13.82%
EPS 3Y-7.82%
EPS 5Y-3.42%
EPS Q2Q%-11.36%
EPS Next Y-12.48%
EPS Next 2Y-1.38%
EPS Next 3Y0.49%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.48%
Revenue growth 3Y0.52%
Revenue growth 5Y1.01%
Sales Q2Q%-3.78%
Revenue Next Year-2.87%
Revenue Next 2Y0.05%
Revenue Next 3Y0.82%
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 1Y307.42%
FCF growth 3Y19.88%
FCF growth 5YN/A
OCF growth 1Y218.27%
OCF growth 3Y13.85%
OCF growth 5YN/A