LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) Stock Fundamental Analysis
Canada - TSX:LB-PR-H - CA51925D8254
24.1 CAD
-0.24 (-0.99%)
Taking everything into account, LB-PR-H scores 2 out of 10 in our fundamental rating. LB-PR-H was compared to 25 industry peers in the Banks industry. LB-PR-H has a bad profitability rating. Also its financial health evaluation is rather negative. LB-PR-H is valued correctly, but it does not seem to be growing.
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.
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
With a Return On Assets value of 0.27%, LB-PR-H is not doing good in the industry: 92.00% of the companies in the same industry are doing better.
LB-PR-H has a Return On Equity of 4.73%. This is amonst the worse of the industry: LB-PR-H underperforms 92.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 4.73% | ||
| 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
1.3 Margins
With a Profit Margin value of 13.64%, LB-PR-H is not doing good in the industry: 92.00% of the companies in the same industry are doing better.
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) | 13.64% | ||
| 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
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.
2.2 Solvency
LB-PR-H has a debt to FCF ratio of 32.34. This is a negative value and a sign of low solvency as LB-PR-H would need 32.34 years to pay back of all of its debts.
The Debt to FCF ratio of LB-PR-H (32.34) is worse than 80.00% of its industry peers.
A Debt/Equity ratio of 6.50 is on the high side and indicates that LB-PR-H has dependencies on debt financing.
LB-PR-H has a worse Debt to Equity ratio (6.50) than 92.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.5 | ||
| Debt/FCF | 32.34 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.22%
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 -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.
Looking at the last year, LB-PR-H shows a decrease in Revenue. The Revenue has decreased by -2.48% in the last year.
The Revenue has been growing slightly by 1.01% on average over the past years.
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
The Earnings Per Share is expected to grow by 0.78% on average over the next years.
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-12.07%
EPS Next 2Y-2.08%
EPS Next 3Y0.78%
EPS Next 5YN/A
Revenue Next Year-2.87%
Revenue Next 2Y0.05%
Revenue Next 3Y0.82%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
LB-PR-H is valuated cheaply with a Price/Earnings ratio of 7.58.
Compared to the rest of the industry, the Price/Earnings ratio of LB-PR-H indicates a slightly more expensive valuation: LB-PR-H is more expensive than 60.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.07. LB-PR-H is valued rather cheaply when compared to this.
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 60.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.08, LB-PR-H is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.58 | ||
| Fwd PE | 7.02 |
4.2 Price Multiples
80.00% 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 | 1.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.08%
EPS Next 3Y0.78%
5. Dividend
5.1 Amount
LB-PR-H has a Yearly Dividend Yield of 5.66%, which is a nice return.
Compared to an average industry Dividend Yield of 4.43, LB-PR-H pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, LB-PR-H pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.66% |
5.2 History
The dividend of LB-PR-H decreases each year by -4.14%.
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)-4.14%
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
LB-PR-H pays out 63.81% of its income as dividend. This is not a sustainable payout ratio.
DP63.81%
EPS Next 2Y-2.08%
EPS Next 3Y0.78%
LAURENTIAN BANK OF CDA - LBCN 6.196 PERP
TSX:LB-PR-H (11/20/2025, 7:00:00 PM)
24.1
-0.24 (-0.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners22.77%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap1.07B
Revenue(TTM)989.73M
Net Income(TTM)134.96M
Analysts43.75
Price Target22.36 (-7.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.66% |
Yearly Dividend1.95
Dividend Growth(5Y)-4.14%
DP63.81%
Div Incr Years1
Div Non Decr Years4
Ex-Date
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)0.95%
PT rev (3m)-1.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.58 | ||
| Fwd PE | 7.02 | ||
| P/S | 1.08 | ||
| P/FCF | 1.64 | ||
| P/OCF | 1.55 | ||
| P/B | 0.38 | ||
| P/tB | 0.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.18
EY13.2%
EPS(NY)3.43
Fwd EY14.24%
FCF(TTM)14.7
FCFY60.99%
OCF(TTM)15.59
OCFY64.67%
SpS22.22
BVpS64.1
TBVpS59.98
PEG (NY)N/A
PEG (5Y)N/A
Graham Number67.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 4.73% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.64% | ||
| GM | N/A | ||
| FCFM | 66.17% |
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
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.5 | ||
| Debt/FCF | 32.34 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 88.65% | ||
| Cap/Sales | 3.99% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 485.23% | ||
| 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-12.07%
EPS Next 2Y-2.08%
EPS Next 3Y0.78%
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 1Y307.56%
FCF growth 3Y19.88%
FCF growth 5YN/A
OCF growth 1Y218.49%
OCF growth 3Y13.85%
OCF growth 5YN/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 2 / 10 to LB-PR-H.CA.
What is the valuation status of LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) stock?
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.
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.
Can you provide the PE and PB ratios for LB-PR-H stock?
The Price/Earnings (PE) ratio for LAURENTIAN BANK OF CDA - LBCN 6.196 PERP (LB-PR-H.CA) is 7.58 and the Price/Book (PB) ratio is 0.38.
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 63.81%.