LAURENTIAN BANK OF CANADA (LB.CA) Fundamental Analysis & Valuation
TSX:LB • CA51925D1069
Current stock price
40.3 CAD
+0.19 (+0.47%)
Last:
This LB.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. LB.CA Profitability Analysis
1.1 Basic Checks
- In the past year LB was profitable.
- In the past year LB has reported a negative cash flow from operations.
- LB had positive earnings in 4 of the past 5 years.
- Of the past 5 years LB 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of LB (0.13%) is worse than 95.83% of its industry peers.
- With a Return On Equity value of 2.35%, 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 | 0.13% | ||
| 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
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 Rank | Sector 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
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.
- 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/Equity ratio of 6.42. This is a high value indicating a heavy dependency on external financing.
- LB has a Debt to Equity ratio of 6.42. This is amonst the worse of the industry: LB underperforms 95.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.42 | ||
| Debt/FCF | N/A | ||
| 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. LB.CA Growth Analysis
3.1 Past
- LB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.23%.
- 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.
- LB shows a decrease in Revenue. In the last year, the revenue decreased by -2.37%.
- LB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.26% yearly.
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.
- Based on estimates for the next years, LB will show a small growth in Revenue. The Revenue will grow by 0.88% on average per year.
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.
- 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. LB.CA Valuation Analysis
4.1 Price/Earnings Ratio
- LB is valuated correctly with a Price/Earnings ratio of 13.94.
- LB's Price/Earnings ratio is a bit more expensive when compared to the industry. LB is more expensive than 62.50% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.87, LB is valued a bit cheaper.
- A Price/Forward Earnings ratio of 12.55 indicates a correct valuation of LB.
- Based on the Price/Forward Earnings ratio, LB is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Forward Earnings ratio of 38.51, LB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.94 | ||
| Fwd PE | 12.55 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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)20.48
PEG (5Y)20.64
EPS Next 2Y3.11%
EPS Next 3YN/A
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.69% |
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 in the last 3 years.
Dividend Growth(5Y)-4.29%
Div Incr Years0
Div Non Decr Years2
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 Fundamentals: All Metrics, Ratios and Statistics
TSX:LB (4/17/2026, 7:00:00 PM)
40.3
+0.19 (+0.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-27 2026-02-27/bmo
Earnings (Next)05-29 2026-05-29
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 (-2.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 2026-04-01 (0.47)
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.94 | ||
| Fwd PE | 12.55 | ||
| 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
EY7.17%
EPS(NY)3.21
Fwd EY7.97%
FCF(TTM)-9.8
FCFYN/A
OCF(TTM)-8.95
OCFYN/A
SpS22.04
BVpS63.12
TBVpS59.46
PEG (NY)20.48
PEG (5Y)20.64
Graham Number64.0639 (58.97%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC5.87%
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)-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%.