LAURENTIAN BANK OF CANADA (LB.CA) Stock Fundamental Analysis
TSX:LB • CA51925D1069
40.19 CAD
+0.07 (+0.17%)
Last: Feb 27, 2026, 07:00 PM
Taking everything into account, LB scores 2 out of 10 in our fundamental rating. LB was compared to 24 industry peers in the Banks industry. Both the profitability and financial health of LB have multiple concerns. 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.
- Of the past 5 years LB 4 years had a positive operating cash flow.
1.2 Ratios
- LB has a Return On Assets of 0.25%. This is amonst the worse of the industry: LB underperforms 95.83% of its industry peers.
- With a Return On Equity value of 4.36%, LB is not doing good in the industry: 95.83% of the companies in the same industry are doing better.
| 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
- With a Profit Margin value of 12.76%, LB is not doing good in the industry: 95.83% of the companies in the same industry are doing better.
- 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.
- The number of shares outstanding for LB has been increased compared to 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.
- LB has a Debt/Equity ratio of 6.78. This is a high value indicating a heavy dependency on external financing.
- LB has a worse Debt to Equity ratio (6.78) than 95.83% of its industry peers.
| 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
- LB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.64%.
- Measured over the past 5 years, LB shows a small growth in Earnings Per Share. The EPS has been growing by 0.68% on average per year.
- The Revenue has decreased by -3.39% in the past year.
- The Revenue has been growing slightly by 0.26% on average over the past years.
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.
- LB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.90% yearly.
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- LB is valuated correctly with a Price/Earnings ratio of 13.31.
- Compared to the rest of the industry, the Price/Earnings ratio of LB indicates a slightly more expensive valuation: LB is more expensive than 66.67% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of LB to the average of the S&P500 Index (27.10), we can say LB is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 12.63, the valuation of LB can be described as correct.
- LB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. LB is more expensive than 70.83% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of LB to the average of the S&P500 Index (28.06), we can say LB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.31 | ||
| Fwd PE | 12.63 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, LB is valued a bit cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.25 | ||
| EV/EBITDA | N/A |
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)2.48
PEG (5Y)19.69
EPS Next 2Y6.28%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- LB has a Yearly Dividend Yield of 6.22%, which is a nice return.
- Compared to an average industry Dividend Yield of 3.11, LB pays a better dividend. On top of this LB pays more dividend than 91.67% 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 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.22% |
5.2 History
- The dividend of LB decreases each year by -4.29%.
- 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)-4.29%
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
TSX:LB (2/27/2026, 7:00:00 PM)
40.19
+0.07 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-27 2026-02-27
Earnings (Next)05-28 2026-05-28
Inst Owners21.12%
Inst Owner ChangeN/A
Ins Owners0.23%
Ins Owner ChangeN/A
Market Cap1.80B
Revenue(TTM)983.67M
Net Income(TTM)125.50M
Analysts42.86
Price Target39.42 (-1.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.22% |
Yearly Dividend1.99
Dividend Growth(5Y)-4.29%
DP70.08%
Div Incr Years1
Div Non Decr Years1
Ex-Date01-05 2026-01-05 (0.47)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.59%
Min EPS beat(2)-9.5%
Max EPS beat(2)4.33%
EPS beat(4)1
Avg EPS beat(4)-1.7%
Min EPS beat(4)-9.5%
Max EPS beat(4)4.33%
EPS beat(8)1
Avg EPS beat(8)-1.95%
EPS beat(12)3
Avg EPS beat(12)-2.44%
EPS beat(16)6
Avg EPS beat(16)-0.68%
Revenue beat(2)0
Avg Revenue beat(2)-3.96%
Min Revenue beat(2)-4.48%
Max Revenue beat(2)-3.44%
Revenue beat(4)0
Avg Revenue beat(4)-3.29%
Min Revenue beat(4)-4.48%
Max Revenue beat(4)-1.48%
Revenue beat(8)0
Avg Revenue beat(8)-2.73%
Revenue beat(12)0
Avg Revenue beat(12)-3.27%
Revenue beat(16)1
Avg Revenue beat(16)-3.18%
PT rev (1m)0%
PT rev (3m)29.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.04%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.31 | ||
| Fwd PE | 12.63 | ||
| P/S | 1.83 | ||
| P/FCF | 5.25 | ||
| P/OCF | 4.71 | ||
| P/B | 0.62 | ||
| P/tB | 0.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.02
EY7.51%
EPS(NY)3.18
Fwd EY7.92%
FCF(TTM)7.65
FCFY19.03%
OCF(TTM)8.54
OCFY21.25%
SpS22.01
BVpS64.48
TBVpS60.41
PEG (NY)2.48
PEG (5Y)19.69
Graham Number66.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 4.36% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.76% | ||
| GM | N/A | ||
| FCFM | 34.75% |
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-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.78 | ||
| Debt/FCF | 63.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 86.15% | ||
| Cap/Sales | 4.06% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 272.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC5.87%
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)-15.64%
EPS 3Y-16.57%
EPS 5Y0.68%
EPS Q2Q%-17.98%
EPS Next Y5.37%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y-1.66%
Revenue growth 5Y0.26%
Sales Q2Q%-2.42%
Revenue Next Year0.88%
Revenue Next 2Y1.9%
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 1Y111.32%
FCF growth 3Y-25.71%
FCF growth 5Y-12.26%
OCF growth 1Y92.03%
OCF growth 3Y-24.78%
OCF growth 5Y-11.39%
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.