LAURENTIAN BANK OF CANADA (LB.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:LB • CA51925D1069
40 CAD
-0.01 (-0.02%)
Last: Jan 30, 2026, 07:00 PM
Overall LB gets a fundamental rating of 2 out of 10. We evaluated LB against 24 industry peers in the Banks industry. LB has a bad profitability rating. Also its financial health evaluation is rather negative. LB is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- LB had positive earnings in the past year.
- 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 (0.25%) than 95.83% of its industry peers.
- LB's Return On Equity of 4.36% is on the low side compared to the rest of the industry. LB is outperformed by 95.83% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- LB's Profit Margin of 12.76% is on the low side compared to the rest of the industry. LB is outperformed by 95.83% of its industry peers.
- LB's Profit Margin has improved in the last couple of years.
- LB 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) | 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
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.
- The number of shares outstanding for LB has been increased compared to 5 years ago.
- LB has a worse debt/assets ratio than last year.
2.2 Solvency
- LB has a debt to FCF ratio of 63.04. This is a negative value and a sign of low solvency as LB would need 63.04 years to pay back of all of its debts.
- LB has a Debt to FCF ratio of 63.04. This is in the lower half of the industry: LB underperforms 70.83% of its industry peers.
- A Debt/Equity ratio of 6.78 is on the high side and indicates that LB has dependencies on debt financing.
- With a Debt to Equity ratio value of 6.78, LB is not doing good in the industry: 95.83% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.78 | ||
| Debt/FCF | 63.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.87%
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 -15.64% in the last year.
- LB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.68% yearly.
- LB shows a decrease in Revenue. In the last year, the revenue decreased by -3.39%.
- 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)-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
- Based on estimates for the next years, LB will show a small growth in Earnings Per Share. The EPS will grow by 6.28% on average per year.
- The Revenue is expected to grow by 1.90% on average over the next years.
EPS Next Y5.37%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.88%
Revenue Next 2Y1.9%
Revenue Next 3YN/A
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.25, which indicates a correct valuation of LB.
- Based on the Price/Earnings ratio, LB is valued a bit more expensive than 66.67% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.32. LB is valued rather cheaply when compared to this.
- LB is valuated correctly with a Price/Forward Earnings ratio of 12.57.
- Based on the Price/Forward Earnings ratio, LB is valued a bit more expensive than the industry average as 70.83% of the companies are valued more cheaply.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. LB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.25 | ||
| Fwd PE | 12.57 |
4.2 Price Multiples
- 66.67% of the companies in the same industry are more expensive than LB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates LB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.47
PEG (5Y)19.6
EPS Next 2Y6.28%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- LB has a Yearly Dividend Yield of 4.70%, which is a nice return.
- Compared to an average industry Dividend Yield of 3.09, LB pays a better dividend. On top of this LB pays more dividend than 95.83% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, LB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.7% |
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 recently.
Dividend Growth(5Y)-4.29%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- LB pays out 70.08% of its income as dividend. This is not a sustainable payout ratio.
DP70.08%
EPS Next 2Y6.28%
EPS Next 3YN/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.
Can you provide the valuation status for LAURENTIAN BANK OF CANADA?
ChartMill assigns a valuation rating of 3 / 10 to LAURENTIAN BANK OF CANADA (LB.CA). This can be considered as Overvalued.
Can you provide the profitability details for LAURENTIAN BANK OF CANADA?
LAURENTIAN BANK OF CANADA (LB.CA) has a profitability rating of 2 / 10.
What is the financial health of LAURENTIAN BANK OF CANADA (LB.CA) stock?
The financial health rating of LAURENTIAN BANK OF CANADA (LB.CA) is 0 / 10.
What is the expected EPS growth for LAURENTIAN BANK OF CANADA (LB.CA) stock?
The Earnings per Share (EPS) of LAURENTIAN BANK OF CANADA (LB.CA) is expected to grow by 5.37% in the next year.