LAURENTIAN BANK OF CANADA (LB.CA) Stock Fundamental Analysis
Canada - TSX:LB - CA51925D1069 - Common Stock
33.3 CAD
+0.7 (+2.15%)
Taking everything into account, LB scores 2 out of 10 in our fundamental rating. LB was compared to 26 industry peers in the Banks industry. Both the profitability and financial health of LB have multiple concerns. LB has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year LB was profitable.
LB had a positive operating cash flow in the past year.
Of the past 5 years LB 4 years were profitable.
LB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
LB has a worse Return On Assets (0.27%) than 96.15% of its industry peers.
The Return On Equity of LB (4.72%) is worse than 96.15% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
LB has a worse Profit Margin (13.61%) than 96.15% of its industry peers.
The Operating Margin and Gross Margin are not available for LB so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
LB does not have a ROIC to compare to the WACC, probably because it is not profitable.
LB has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, LB has more shares outstanding
LB has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of LB is 32.36, which is on the high side as it means it would take LB, 32.36 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 32.36, LB is doing worse than 84.62% of the companies in the same industry.
A Debt/Equity ratio of 6.50 is on the high side and indicates that LB has dependencies on debt financing.
LB has a worse Debt to Equity ratio (6.50) than 96.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.5 | ||
| Debt/FCF | 32.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.36%
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 have decreased strongly by -13.82% in the last year.
The Earnings Per Share has been decreasing by -3.42% on average over the past years.
Looking at the last year, LB shows a decrease in Revenue. The Revenue has decreased by -2.48% in the last year.
LB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.01% yearly.
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.
LB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.82% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.47, the valuation of LB can be described as reasonable.
LB's Price/Earnings ratio is a bit more expensive when compared to the industry. LB is more expensive than 69.23% of the companies in the same industry.
LB is valuated cheaply when we compare the Price/Earnings ratio to 26.10, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.70, the valuation of LB can be described as reasonable.
Based on the Price/Forward Earnings ratio, LB is valued a bit more expensive than 73.08% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.52. LB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.47 | ||
| Fwd PE | 9.7 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, LB is valued a bit cheaper than 76.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.27 | ||
| 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 has a Yearly Dividend Yield of 5.77%, which is a nice return.
Compared to an average industry Dividend Yield of 3.83, LB pays a better dividend. On top of this LB pays more dividend than 96.15% of the companies listed in the same industry.
LB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.77% |
5.2 History
The dividend of LB decreases each year by -4.14%.
LB has paid a dividend for at least 10 years, which is a reliable track record.
LB has decreased its dividend recently.
Dividend Growth(5Y)-4.14%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
64.28% of the earnings are spent on dividend by LB. This is not a sustainable payout ratio.
DP64.28%
EPS Next 2Y-2.08%
EPS Next 3Y0.78%
TSX:LB (10/31/2025, 7:00:00 PM)
33.3
+0.7 (+2.15%)
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 Cap1.48B
Revenue(TTM)989.73M
Net Income(TTM)134.68M
Analysts43.75
Price Target30.6 (-8.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.77% |
Yearly Dividend1.95
Dividend Growth(5Y)-4.14%
DP64.28%
Div Incr Years1
Div Non Decr Years1
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%
PT rev (3m)2.01%
EPS NQ rev (1m)-0.08%
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)-0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.47 | ||
| Fwd PE | 9.7 | ||
| P/S | 1.5 | ||
| P/FCF | 2.27 | ||
| P/OCF | 2.14 | ||
| P/B | 0.52 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.18
EY9.55%
EPS(NY)3.43
Fwd EY10.31%
FCF(TTM)14.69
FCFY44.13%
OCF(TTM)15.58
OCFY46.77%
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 | 4.72% | ||
| 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
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 | 32.36 | ||
| 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
WACC7.36%
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 1Y307.42%
FCF growth 3Y19.88%
FCF growth 5YN/A
OCF growth 1Y218.27%
OCF growth 3Y13.85%
OCF growth 5YN/A
LAURENTIAN BANK OF CANADA / LB.CA 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.
What is the valuation status for LB stock?
ChartMill assigns a valuation rating of 4 / 10 to LAURENTIAN BANK OF CANADA (LB.CA). This can be considered as Fairly Valued.
What is the profitability of LB stock?
LAURENTIAN BANK OF CANADA (LB.CA) has a profitability rating of 2 / 10.
How financially healthy is LAURENTIAN BANK OF CANADA?
The financial health rating of LAURENTIAN BANK OF CANADA (LB.CA) is 0 / 10.
Can you provide the dividend sustainability for LB stock?
The dividend rating of LAURENTIAN BANK OF CANADA (LB.CA) is 5 / 10 and the dividend payout ratio is 64.28%.