LB Fundamental Analysis - LAURENTIAN BANK OF CANADA

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to LB. 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.

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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.

Of the past 5 years LB 4 years had a positive operating cash flow.

1.2 Ratios

LB has a Return On Assets of 0.27%. This is amonst the worse of the industry: LB underperforms 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

LB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, LB has more shares outstanding

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 32.36. This is a negative value and a sign of low solvency as LB would need 32.36 years to pay back of all of its debts.

LB has a Debt to FCF ratio of 32.36. This is amonst the worse of the industry: LB underperforms 84.62% of its industry peers.

LB has a Debt/Equity ratio of 6.50. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 6.50, LB is not doing good in the industry: 96.15% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	6.5
Debt/FCF	32.36
Altman-Z	N/A

ROIC/WACCN/A

WACC7.37%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

LB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.82%.

Measured over the past years, LB shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.42% on average per year.

LB shows a decrease in Revenue. In the last year, the revenue decreased by -2.48%.

Measured over the past years, LB shows a small growth in Revenue. The Revenue has been growing by 1.01% on average per year.

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 0.49% 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 0.79% yearly.

EPS Next Y-12.48%

EPS Next 2Y-1.38%

EPS Next 3Y0.49%

EPS Next 5YN/A

Revenue Next Year-2.87%

Revenue Next 2Y-0.24%

Revenue Next 3Y0.79%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.17, the valuation of LB can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of LB indicates a slightly more expensive valuation: LB is more expensive than 69.23% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.30, LB is valued rather cheaply.

LB is valuated reasonably with a Price/Forward Earnings ratio of 9.29.

Based on the Price/Forward Earnings ratio, LB is valued a bit more expensive than 73.08% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.73, LB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.17
Fwd PE	9.29

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	2.18
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-1.38%

EPS Next 3Y0.49%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.98%, LB is a good candidate for dividend investing.

LB's Dividend Yield is rather good when compared to the industry average which is at 3.58. LB pays more dividend than 96.15% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.45, LB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.98%

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

LB pays out 64.28% of its income as dividend. This is not a sustainable payout ratio.

DP64.28%

EPS Next 2Y-1.38%

EPS Next 3Y0.49%

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LAURENTIAN BANK OF CANADA

TSX:LB (9/12/2025, 7:00:00 PM)

32.33

-0.62 (-1.88%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-29 2025-08-29/bmo

Earnings (Next)12-05 2025-12-05

Inst Owners22.49%

Inst Owner ChangeN/A

Ins Owners0.16%

Ins Owner ChangeN/A

Market Cap1.43B

Analysts43.75

Price Target30.26 (-6.4%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.98%

Yearly Dividend1.95

Dividend Growth(5Y)-4.14%

DP64.28%

Div Incr Years1

Div Non Decr Years1

Ex-Date10-01 2025-10-01 (0.47)

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)1.25%

PT rev (3m)2.3%

EPS NQ rev (1m)-4.95%

EPS NQ rev (3m)-20.79%

EPS NY rev (1m)-4%

EPS NY rev (3m)-4%

Revenue NQ rev (1m)0.12%

Revenue NQ rev (3m)-4.85%

Revenue NY rev (1m)-0.1%

Revenue NY rev (3m)-0.68%

Valuation

		Industry Rank	Sector Rank
PE	10.17
Fwd PE	9.29
P/S	1.44
P/FCF	2.18
P/OCF	2.06
P/B	0.5
P/tB	0.54
EV/EBITDA	N/A

EPS(TTM)3.18

EY9.84%

EPS(NY)3.48

Fwd EY10.77%

FCF(TTM)14.8

FCFY45.78%

OCF(TTM)15.69

OCFY48.52%

SpS22.38

BVpS64.56

TBVpS60.42

PEG (NY)N/A

PEG (5Y)N/A

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

ROICexcg growth 3YN/A

ROICexcg 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

WACC7.37%

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-12.48%

EPS Next 2Y-1.38%

EPS Next 3Y0.49%

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 2Y-0.24%

Revenue Next 3Y0.79%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens