LAURENTIAN BANK OF CANADA (LB.CA) Fundamental Analysis & Valuation

TSX:LB • CA51925D1069

Current stock price

40.26 CAD
-0.02 (-0.05%)
Last:

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

2

1. LB.CA Profitability Analysis

1.1 Basic Checks

  • LB had positive earnings in the past year.
  • In the past year LB has reported a negative cash flow from operations.
  • Of the past 5 years LB 4 years were profitable.
  • LB had a positive operating cash flow in 4 of the past 5 years.
LB.CA Yearly Net Income VS EBIT VS OCF VS FCFLB.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 has a Return On Assets of 0.13%. This is amonst the worse of the industry: LB underperforms 95.83% of its industry peers.
  • LB's Return On Equity of 2.35% is on the low side compared to the rest of the industry. LB is outperformed by 95.83% 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.CA Yearly ROA, ROE, ROICLB.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

  • Looking at the Profit Margin, with a value of 6.74%, LB is doing worse than 95.83% of the companies in the same industry.
  • In the last couple of years the Profit Margin of LB has grown nicely.
  • LB 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.CA Yearly Profit, Operating, Gross MarginsLB.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.CA Health Analysis

2.1 Basic Checks

  • LB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for LB has been increased compared to 1 year ago.
  • LB has more shares outstanding than it did 5 years ago.
  • LB has a worse debt/assets ratio than last year.
LB.CA Yearly Shares OutstandingLB.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
LB.CA Yearly Total Debt VS Total AssetsLB.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 has a Debt/Equity ratio of 6.42. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of LB (6.42) is worse than 95.83% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.42
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.88%
LB.CA Yearly LT Debt VS Equity VS FCFLB.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.CA Yearly Current Assets VS Current LiabilitesLB.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.CA Growth Analysis

3.1 Past

  • The earnings per share for LB 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.
  • Measured over the past years, LB shows a small growth in Revenue. The Revenue has been growing by 0.26% on average per year.
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

  • Based on estimates for the next years, LB will show a small growth in Earnings Per Share. The EPS will grow by 3.11% on average per year.
  • LB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.88% yearly.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
LB.CA Yearly Revenue VS EstimatesLB.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.CA Yearly EPS VS EstimatesLB.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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2

4. LB.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.93 indicates a correct valuation of LB.
  • Based on the Price/Earnings ratio, LB is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of LB to the average of the S&P500 Index (27.79), we can say LB is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 12.54, the valuation of LB can be described as correct.
  • 75.00% of the companies in the same industry are cheaper than LB, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 38.88. LB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.93
Fwd PE 12.54
LB.CA Price Earnings VS Forward Price EarningsLB.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LB.CA Per share dataLB.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 an expensive valuation of the company.
PEG (NY)20.46
PEG (5Y)20.62
EPS Next 2Y3.11%
EPS Next 3YN/A

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

5

5. LB.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.69%, LB is a good candidate for dividend investing.
  • LB's Dividend Yield is rather good when compared to the industry average which is at 3.10. LB pays more dividend than 87.50% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, LB pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.69%

5.2 History

  • The dividend of LB decreases each year by -4.29%.
  • LB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of LB decreased in the last 3 years.
Dividend Growth(5Y)-4.29%
Div Incr Years0
Div Non Decr Years2
LB.CA Yearly Dividends per shareLB.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • LB pays out 136.41% of its income as dividend. This is not a sustainable payout ratio.
DP136.41%
EPS Next 2Y3.11%
EPS Next 3YN/A
LB.CA Yearly Income VS Free CF VS DividendLB.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.CA Dividend Payout.LB.CA Dividend Payout, showing the Payout Ratio.LB.CA Dividend Payout.PayoutRetained Earnings

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LB.CA Fundamentals: All Metrics, Ratios and Statistics

LAURENTIAN BANK OF CANADA

TSX:LB (4/22/2026, 7:00:00 PM)

40.26

-0.02 (-0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-27
Earnings (Next)05-29
Inst Owners22%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap1.80B
Revenue(TTM)985.59M
Net Income(TTM)66.41M
Analysts41.54
Price Target39.42 (-2.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.69%
Yearly Dividend1.99
Dividend Growth(5Y)-4.29%
DP136.41%
Div Incr Years0
Div Non Decr Years2
Ex-Date04-01
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%
PT rev (3m)-0.44%
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)-0.39%
Revenue NY rev (3m)-0.39%
Valuation
Industry RankSector Rank
PE 13.93
Fwd PE 12.54
P/S 1.83
P/FCF N/A
P/OCF N/A
P/B 0.64
P/tB 0.68
EV/EBITDA N/A
EPS(TTM)2.89
EY7.18%
EPS(NY)3.21
Fwd EY7.98%
FCF(TTM)-9.78
FCFYN/A
OCF(TTM)-8.94
OCFYN/A
SpS22.01
BVpS63.02
TBVpS59.37
PEG (NY)20.46
PEG (5Y)20.62
Graham Number64.0138 (59%)
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
WACC5.88%
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 CANADA / LB.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of LAURENTIAN BANK OF CANADA (LB.CA) stock?

ChartMill assigns a fundamental rating of 2 / 10 to LB.CA.


Can you provide the valuation status for LAURENTIAN BANK OF CANADA?

ChartMill assigns a valuation rating of 2 / 10 to LAURENTIAN BANK OF CANADA (LB.CA). This can be considered as Overvalued.


What is the profitability of LB stock?

LAURENTIAN BANK OF CANADA (LB.CA) has a profitability rating of 2 / 10.


Can you provide the expected EPS growth for LB stock?

The Earnings per Share (EPS) of LAURENTIAN BANK OF CANADA (LB.CA) is expected to grow by 0.68% in the next year.


Is the dividend of LAURENTIAN BANK OF CANADA sustainable?

The dividend rating of LAURENTIAN BANK OF CANADA (LB.CA) is 5 / 10 and the dividend payout ratio is 136.41%.